First Financial BanksharesSTU:FI6 70 Pretax Margin % is 53.71% as of Mar. 2026, which is 6% above its 10-year median of 50.68. 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 1,530 Banks companies, First Financial Bankshares ranks better than 83.46% on this metric.
The historical rank and industry rank for First Financial Bankshares's Pretax Margin % or its related term are showing as below:
STU:FI6'
s Pretax Margin % Range Over the Past 10 Years
Min: 44.75 Med: 50.68 Max: 54.44
Current: 50.73
STU:FI6's Pretax Margin % is ranked better than 83.46% of 1530
companies
in the Banks industry
Industry Median: 34.655
vs STU:FI6: 50.73
First Financial Bankshares (STU:FI6) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
First Financial Bankshares Pretax Margin % Related Terms
First Financial Bankshares Pretax 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: Pretax Margin % Comparison
For the Banks - Regional subindustry, First Financial Bankshares's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Financial Bankshares's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where First Financial Bankshares's Pretax 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 Pretax Margin % of 53.71% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on First Financial Bankshares and its competitors. This is near median its historical median of 50.68. Over the past decade, First Financial Bankshares' Pretax Margin % has ranged from 44.75 to 54.44. According to the industry distribution chart, First Financial Bankshares ranks #253 out of 1530 companies in the Banks industry, placing it in the top 16.5%.
Is First Financial Bankshares' Pretax Margin % too high?
First Financial Bankshares' current Pretax Margin % of 53.71% is near median its 10-year median of 50.68. Over the past 10 years, this metric has ranged from a low of 44.75 to a high of 54.44. The Banks industry median Pretax Margin % is 34.66. First Financial Bankshares' value of 53.71% is 55% above this industry median. Based on the distribution chart, First Financial Bankshares ranks #253 out of 1530 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 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does First Financial Bankshares' Pretax Margin % compare to FINN and TFSL?
According to the Banks industry distribution chart, First Financial Bankshares ranks #253 out of 1530 companies for Pretax Margin %. This places First Financial Bankshares in the top 17% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.66. First Financial Bankshares' value of 53.71% is 55% above this benchmark. Historically, First Financial Bankshares' own Pretax Margin % has ranged from 44.75 to 54.44 over the past decade. While the company's 10-year median is 50.68 vs. the industry median of 34.66, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.66, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Financial Bankshares's current Pretax Margin % of 53.71% is 55% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on First Financial Bankshares and its competitors. For the Banks industry, the median Pretax Margin % is 34.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Financial Bankshares's current Pretax Margin % is 53.71%, which is near median its own 10-year median of 50.68. 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 Pretax Margin % is 53.71%, which is near median its 10-year median of 50.68 and 55% above the Banks industry median of 34.66. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For First Financial Bankshares (STU:FI6), the current Pretax Margin % is 53.71% 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 14.1% below its estimated GF Value™ of €35.14.
GuruFocus considers First Financial Bankshares to be Modestly Undervalued.
Key valuation signals for STU:FI6:
Pretax Margin %: 53.71% (near median its 10-year median of 50.68)
GF Value™: €35.14 vs. price of €30.20 (14.1% below fair value)
Industry Position: 55% above the Banks median (#253 of 1530)
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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