First Financial BanksharesSTU:FI6 70 OCF Yield % is 6.55 as of Jul. 12, 2026, which is 15% above its 10-year median of 5.71. GuruFocus rates STU:FI6 with a GF Score™ of 70/100 and a GF Value™ of €35.14 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,504 Banks companies, First Financial Bankshares ranks worse than 61.97% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
First Financial Bankshares OCF Yield % Explanation
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
First Financial Bankshares OCF Yield % Related Terms
First Financial Bankshares OCF Yield % 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: OCF Yield % Comparison
For the Banks - Regional subindustry, First Financial Bankshares's OCF Yield %, along with its competitors' market caps and OCF Yield % 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 OCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, First Financial Bankshares's OCF Yield % distribution charts can be found below:
* The bar in red indicates where First Financial Bankshares's OCF Yield % 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 OCF Yield % of 6.55 as of Jul. 12, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on First Financial Bankshares and its competitors. This is 15% above median its historical median of 5.71. Over the past decade, First Financial Bankshares' OCF Yield % has ranged from 2.90 to 9.05. According to the industry distribution chart, First Financial Bankshares ranks #932 out of 1504 companies in the Banks industry, placing it in the top 62%.
Is First Financial Bankshares' OCF Yield % too high?
First Financial Bankshares' current OCF Yield % of 6.55 is 15% above median its 10-year median of 5.71. Over the past 10 years, this metric has ranged from a low of 2.90 to a high of 9.05. The Banks industry median OCF Yield % is 9.23. First Financial Bankshares' value of 6.55 is 29% below this industry median. Based on the distribution chart, First Financial Bankshares ranks #932 out of 1504 companies in the Banks industry, which is below the industry midpoint. Overall, First Financial Bankshares has a GF Score™ of 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does First Financial Bankshares' OCF Yield % compare to FINN and TFSL?
According to the Banks industry distribution chart, First Financial Bankshares ranks #932 out of 1504 companies for OCF Yield %. This places First Financial Bankshares in the lower half of its industry. The industry median OCF Yield % is 9.23. First Financial Bankshares' value of 6.55 is 29% below this benchmark. Historically, First Financial Bankshares' own OCF Yield % has ranged from 2.90 to 9.05 over the past decade. While the company's 10-year median is 5.71 vs. the industry median of 9.23, First Financial Bankshares has consistently been below 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 OCF Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.23, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Financial Bankshares's current OCF Yield % of 6.55 is 29% below 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on First Financial Bankshares and its competitors. For the Banks industry, the median OCF Yield % is 9.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Financial Bankshares's current OCF Yield % is 6.55, which is 15% above median its own 10-year median of 5.71. 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 €35.14, compared to a current price of €30.20 — trading 14.1% below its estimated fair value. The current OCF Yield % is 6.55, which is 15% above median its 10-year median of 5.71 and 29% below the Banks industry median of 9.23. First Financial Bankshares' overall GF Score™ is 70/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For First Financial Bankshares (STU:FI6), the current OCF Yield % is 6.55 as of Jul. 12, 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 €30.20 is trading 14.1% below its estimated GF Value™ of €35.14.
GuruFocus considers First Financial Bankshares to be Modestly Undervalued.
Key valuation signals for STU:FI6:
OCF Yield %: 6.55 (15% above median its 10-year median of 5.71)
GF Value™: €35.14 vs. price of €30.20 (14.1% below fair value)
Industry Position: 29% below the Banks median (#932 of 1504)
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.
70GF Score
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