First Financial Bankshares (STU:FI6) Dividend Payout Ratio: 0.38 (As of Mar. 2026) — Near Median

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First Financial Bankshares Inc STU:FI6

73 GF Score

Price €30.20

GF Value €35.18

Valuation Modestly Undervalued

2 Warning Signs

View Full Analysis

What is First Financial Bankshares Dividend Payout Ratio?

First Financial Bankshares STU:FI6 -0.66% 73 Dividend Payout Ratio is 0.38 as of Mar. 2026, which is 7% below its 10-year median of 0.41. GuruFocus rates STU:FI6 with a GF Score™ of 73/100 and a GF Value™ of €35.18 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,175 Banks companies, First Financial Bankshares ranks worse than 64.34% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. First Financial Bankshares's Dividend Payout Ratio for the months ended in Mar. 2026 was 0.38.

The historical rank and industry rank for First Financial Bankshares's Dividend Payout Ratio or its related term are showing as below:

STU:FI6' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.36 Med: 0.41 Max: 0.51
Current: 0.41

During the past 13 years, the highest Dividend Payout Ratio of First Financial Bankshares was 0.51. The lowest was 0.36. And the median was 0.41.

STU:FI6's Dividend Payout Ratio is ranked worse than
64.34% of 1175 companies
in the Banks industry
Industry Median: 0.32 vs STU:FI6: 0.41

As of today (2026-07-15), the Dividend Yield % of First Financial Bankshares is 2.24%.

During the past 13 years, the highest Trailing Annual Dividend Yield of First Financial Bankshares was 3.03%. The lowest was 1.00%. And the median was 1.67%.

First Financial Bankshares's Dividends per Share for the months ended in Mar. 2026 was €0.16.

During the past 12 months, First Financial Bankshares's average Dividends Per Share Growth Rate was 5.60% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 4.40% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 7.90% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 9.90% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of First Financial Bankshares was 21.30% per year. The lowest was 2.10% per year. And the median was 10.75% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

First Financial Bankshares (STU:FI6) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

First Financial Bankshares Dividend Payout Ratio Related Terms

First Financial Bankshares Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for First Financial Bankshares's Dividend Payout Ratio can be seen below:

* 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 Dividend Payout Ratio Chart

First Financial Bankshares Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

Dividend Payout Ratio

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0.00

0.39

0.46

0.42

First Financial Bankshares Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
Dividend Payout Ratio	Get a 7-Day Free Trial															0.42	0.41	0.53	0.37	0.38

STU:FI6 vs FINN, TFSL, IBOC: Dividend Payout Ratio Comparison

For the Banks - Regional subindustry, First Financial Bankshares's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, First Financial Bankshares's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where First Financial Bankshares's Dividend Payout Ratio falls into.

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73GF Score

First Financial Bankshares Inc STU:FI6

Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.

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First Financial Bankshares Dividend Payout Ratio Calculation

First Financial Bankshares's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio	=	Dividends per Share (A: Dec. 2025 )	/	EPS without NRI (A: Dec. 2025 )
	=	0.64	/	1.511
	=	0.42

First Financial Bankshares's Dividend Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Dividend Payout Ratio	=	Dividends per Share (Q: Mar. 2026 )	/	EPS without NRI (Q: Mar. 2026 )
	=	0.164	/	0.433
	=	0.38

Frequently Asked Questions Learn more about Dividend Payout Ratio →

What does a Dividend Payout Ratio of 0.38 mean?

First Financial Bankshares (STU:FI6) has a Dividend Payout Ratio of 0.38 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on First Financial Bankshares and its competitors. This is near median its historical median of 0.41. Over the past decade, First Financial Bankshares' Dividend Payout Ratio has ranged from 0.36 to 0.51. According to the industry distribution chart, First Financial Bankshares ranks #756 out of 1175 companies in the Banks industry, placing it in the top 64.3%.

Is First Financial Bankshares' Dividend Payout Ratio too high?

First Financial Bankshares' current Dividend Payout Ratio of 0.38 is near median its 10-year median of 0.41. Over the past 10 years, this metric has ranged from a low of 0.36 to a high of 0.51. The Banks industry median Dividend Payout Ratio is 0.32. First Financial Bankshares' value of 0.38 is 18.8% above this industry median. Based on the distribution chart, First Financial Bankshares ranks #756 out of 1175 companies in the Banks industry, which is below the industry midpoint. Overall, First Financial Bankshares has a GF Score™ of 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.

How does First Financial Bankshares' Dividend Payout Ratio compare to FINN and TFSL?

According to the Banks industry distribution chart, First Financial Bankshares ranks #756 out of 1175 companies for Dividend Payout Ratio. This places First Financial Bankshares in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. First Financial Bankshares' value of 0.38 is 18.8% above this benchmark. Historically, First Financial Bankshares' own Dividend Payout Ratio has ranged from 0.36 to 0.51 over the past decade. While the company's 10-year median is 0.41 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?

The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,175 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Financial Bankshares's current Dividend Payout Ratio of 0.38 is 18.8% 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 Dividend Payout Ratio mean?

A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on First Financial Bankshares and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Financial Bankshares's current Dividend Payout Ratio is 0.38, which is near median its own 10-year median of 0.41. 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 €35.18, compared to a current price of €30.20 — trading 14.2% below its estimated fair value. The current Dividend Payout Ratio is 0.38, which is near median its 10-year median of 0.41 and 18.8% above the Banks industry median of 0.32. First Financial Bankshares' overall GF Score™ is 73/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is Dividend Payout Ratio calculated?

Dividend Payout Ratio is calculated from a company's financial statements. For First Financial Bankshares (STU:FI6), the current Dividend Payout Ratio is 0.38 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 €30.20 is trading 14.2% below its estimated GF Value™ of €35.18. GuruFocus considers First Financial Bankshares to be Modestly Undervalued.

Key valuation signals for STU:FI6:

Dividend Payout Ratio: 0.38 (near median its 10-year median of 0.41)
GF Value™: €35.18 vs. price of €30.20 (14.2% below fair value)
GF Score™: 73/100 with 2 warning signs
Industry Position: 18.8% above the Banks median (#756 of 1175)

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 Business Description

Industry Financial Services Banks

Comparable Companies FINN TFSL IBOC SFBS EBC FULT AX TCBI OZK UCB SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Other Exchanges FFIN:USA

Address 400 Pine Street, Abilene, TX, USA, 79601

Website https://www.ffin.com

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.

73GF Score

Get the complete analysis for STU:FI6

Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€30.20

Price

€35.18

GF Value

View STU:FI6 Analysis

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