The historical rank and industry rank for First Financial Bankshares's ROE % or its related term are showing as below:
STU:FI6'
s ROE % Range Over the Past 10 Years
Min: 12.75 Med: 14.39 Max: 15.5
Current: 14.48
During the past 13 years, First Financial Bankshares's highest ROE % was 15.50%. The lowest was 12.75%. And the median was 14.39%.
STU:FI6's ROE % is ranked better than 77.97% of 1525
companies
in the Banks industry
Industry Median: 10.22
vs STU:FI6: 14.48
First Financial Bankshares (STU:FI6) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, First Financial Bankshares's ROE % distribution charts can be found below:
* The bar in red indicates where First Financial Bankshares's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
First Financial Bankshares (STU:FI6) has a ROE % of 14.92% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on First Financial Bankshares and its competitors. This is near median its historical median of 14.39. Over the past decade, First Financial Bankshares' ROE % has ranged from 12.75 to 15.50. According to the industry distribution chart, First Financial Bankshares ranks #336 out of 1525 companies in the Banks industry, placing it in the top 22%.
Is First Financial Bankshares' ROE % too high?
First Financial Bankshares' current ROE % of 14.92% is near median its 10-year median of 14.39. Over the past 10 years, this metric has ranged from a low of 12.75 to a high of 15.50. The Banks industry median ROE % is 10.22. First Financial Bankshares' value of 14.92% is 46% above this industry median. Based on the distribution chart, First Financial Bankshares ranks #336 out of 1525 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' ROE % compare to FINN and TFSL?
According to the Banks industry distribution chart, First Financial Bankshares ranks #336 out of 1525 companies for ROE %. This places First Financial Bankshares in the top 22% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. First Financial Bankshares' value of 14.92% is 46% above this benchmark. Historically, First Financial Bankshares' own ROE % has ranged from 12.75 to 15.50 over the past decade. While the company's 10-year median is 14.39 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Financial Bankshares's current ROE % of 14.92% is 46% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on First Financial Bankshares and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Financial Bankshares's current ROE % is 14.92%, which is near median its own 10-year median of 14.39. 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 ROE % is 14.92%, which is near median its 10-year median of 14.39 and 46% above the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For First Financial Bankshares (STU:FI6), the current ROE % is 14.92% 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:
ROE %: 14.92% (near median its 10-year median of 14.39)
GF Value™: €35.33 vs. price of €31.00 (12.3% below fair value)
Industry Position: 46% above the Banks median (#336 of 1525)
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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