First Financial BanksharesSTU:FI6 +2.65%71 Net Margin % is 43.75% as of Mar. 2026, which is 5% above its 10-year median of 41.62. GuruFocus rates STU:FI6 with a GF Score™ of 71/100 and a GF Value™ of €35.33 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,528 Banks companies, First Financial Bankshares ranks better than 86.71% on this metric.
The historical rank and industry rank for First Financial Bankshares's Net Margin % or its related term are showing as below:
STU:FI6'
s Net Margin % Range Over the Past 10 Years
Min: 34.49 Med: 41.62 Max: 45.55
Current: 41.52
STU:FI6's Net Margin % is ranked better than 86.71% of 1528
companies
in the Banks industry
Industry Median: 26.845
vs STU:FI6: 41.52
First Financial Bankshares (STU:FI6) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
First Financial Bankshares Net Margin % Related Terms
First Financial Bankshares Net Margin % Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
STU:FI6 vs FINN, TFSL, IBOC: Net Margin % Comparison
For the Banks - Regional subindustry, First Financial Bankshares's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Financial Bankshares Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Financial Bankshares's Net Margin % distribution charts can be found below:
* The bar in red indicates where First Financial Bankshares's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First Financial Bankshares (STU:FI6) has a Net Margin % of 43.75% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on First Financial Bankshares and its competitors. This is near median its historical median of 41.62. Over the past decade, First Financial Bankshares' Net Margin % has ranged from 34.49 to 45.55. According to the industry distribution chart, First Financial Bankshares ranks #203 out of 1528 companies in the Banks industry, placing it in the top 13.3%.
Is First Financial Bankshares' Net Margin % too high?
First Financial Bankshares' current Net Margin % of 43.75% is near median its 10-year median of 41.62. Over the past 10 years, this metric has ranged from a low of 34.49 to a high of 45.55. The Banks industry median Net Margin % is 26.85. First Financial Bankshares' value of 43.75% is 63% above this industry median. Based on the distribution chart, First Financial Bankshares ranks #203 out of 1528 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, First Financial Bankshares has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does First Financial Bankshares' Net Margin % compare to FINN and TFSL?
According to the Banks industry distribution chart, First Financial Bankshares ranks #203 out of 1528 companies for Net Margin %. This places First Financial Bankshares in the top 13% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.85. First Financial Bankshares' value of 43.75% is 63% above this benchmark. Historically, First Financial Bankshares' own Net Margin % has ranged from 34.49 to 45.55 over the past decade. While the company's 10-year median is 41.62 vs. the industry median of 26.85, First Financial Bankshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Financial Bankshares's current Net Margin % of 43.75% is 63% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on First Financial Bankshares and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Financial Bankshares's current Net Margin % is 43.75%, which is near median its own 10-year median of 41.62. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Financial Bankshares stock overvalued right now?
Based on GuruFocus' analysis, First Financial Bankshares (STU:FI6) is currently considered Modestly Undervalued. The stock's GF Value™ is €35.33, compared to a current price of €31.00 — trading 12.3% below its estimated fair value. The current Net Margin % is 43.75%, which is near median its 10-year median of 41.62 and 63% above the Banks industry median of 26.85. First Financial Bankshares' overall GF Score™ is 71/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For First Financial Bankshares (STU:FI6), the current Net Margin % is 43.75% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First Financial Bankshares (STU:FI6) Overvalued in 2026?
Based on GuruFocus' analysis, First Financial Bankshares stock appears to be undervalued.
The current stock price of €31.00 is trading 12.3% below its estimated GF Value™ of €35.33.
GuruFocus considers First Financial Bankshares to be Modestly Undervalued.
Key valuation signals for STU:FI6:
Net Margin %: 43.75% (near median its 10-year median of 41.62)
GF Value™: €35.33 vs. price of €31.00 (12.3% below fair value)
Industry Position: 63% above the Banks median (#203 of 1528)
No single metric tells the full story. See the STU:FI6 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Financial Bankshares Inc is a financial and bank holding company. The company operates one line of business (community banking) located in a single geographic area (Texas). The company conducts a full-service commercial banking business through its subsidiaries. The loan portfolio segments of the company include Commercial and Industrial, Municipal, Agricultural, Construction and Development, Farm, Non-Owner Occupied and Owner Occupied Commercial Real Estate, Residential, Consumer Auto and Consumer Non-Auto.
71GF Score
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