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First Financial BanksharesSTU:FI6 -3.14%73 PEG Ratio is 12.98 as of Jul. 19, 2026, which is 407% above its 10-year median of 2.56. GuruFocus rates STU:FI6 with a GF Score™ of 73/100 and a GF Value™ of €35.24 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,231 Banks companies, First Financial Bankshares ranks worse than 95.29% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for First Financial Bankshares's PEG Ratio or its related term are showing as below:
STU:FI6'
s PEG Ratio Range Over the Past 10 Years
Min: 1.59 Med: 2.56 Max: 119.84
Current: 12.8
During the past 13 years, First Financial Bankshares's highest PEG Ratio was 119.84. The lowest was 1.59. And the median was 2.56.
STU:FI6's PEG Ratio is ranked worse than 95.29% of 1231
companies
in the Banks industry
Industry Median: 1.55
vs STU:FI6: 12.80
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
First Financial Bankshares (STU:FI6) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
First Financial Bankshares PEG Ratio Related Terms
First Financial Bankshares PEG Ratio 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.
For the Banks - Regional subindustry, First Financial Bankshares's PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, First Financial Bankshares's PEG Ratio distribution charts can be found below:
* The bar in red indicates where First Financial Bankshares's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
First Financial Bankshares (STU:FI6) has a PEG Ratio of 12.98 as of Jul. 19, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on First Financial Bankshares and its competitors. This is 407% above median its historical median of 2.56. Over the past decade, First Financial Bankshares' PEG Ratio has ranged from 1.59 to 119.84. According to the industry distribution chart, First Financial Bankshares ranks #1173 out of 1231 companies in the Banks industry, placing it in the top 95.3%.
Is First Financial Bankshares' PEG Ratio too high?
First Financial Bankshares' current PEG Ratio of 12.98 is 407% above median its 10-year median of 2.56. Over the past 10 years, this metric has ranged from a low of 1.59 to a high of 119.84. The Banks industry median PEG Ratio is 1.55. First Financial Bankshares' value of 12.98 is 737.4% above this industry median. Based on the distribution chart, First Financial Bankshares ranks #1173 out of 1231 companies in the Banks industry, which is in the bottom quartile relative to peers. 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' PEG Ratio compare to FINN and TFSL?
According to the Banks industry distribution chart, First Financial Bankshares ranks #1173 out of 1231 companies for PEG Ratio. This places First Financial Bankshares in the lower half of its industry. The industry median PEG Ratio is 1.55. First Financial Bankshares' value of 12.98 is 737.4% above this benchmark. Historically, First Financial Bankshares' own PEG Ratio has ranged from 1.59 to 119.84 over the past decade. While the company's 10-year median is 2.56 vs. the industry median of 1.55, 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.55, based on 1,231 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Financial Bankshares's current PEG Ratio of 12.98 is 737.4% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on First Financial Bankshares and its competitors. For the Banks industry, the median PEG Ratio is 1.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Financial Bankshares's current PEG Ratio is 12.98, which is 407% above median its own 10-year median of 2.56. 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 €35.24, compared to a current price of €30.80 — trading 12.6% below its estimated fair value. The current PEG Ratio is 12.98, which is 407% above median its 10-year median of 2.56 and 737.4% above the Banks industry median of 1.55. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For First Financial Bankshares (STU:FI6), the current PEG Ratio is 12.98 as of Jul. 19, 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 €30.80 is trading 12.6% below its estimated GF Value™ of €35.24.
GuruFocus considers First Financial Bankshares to be Modestly Undervalued.
Key valuation signals for STU:FI6:
PEG Ratio: 12.98 (407% above median its 10-year median of 2.56)
GF Value™: €35.24 vs. price of €30.80 (12.6% below fair value)
Industry Position: 737.4% above the Banks median (#1173 of 1231)
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.
73GF Score
Get the complete analysis for STU:FI6
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