First Financial Bankshares (STU:FI6) Scaled Net Operating Assets: 0.07 (As of Mar. 2026)


STU:FI6 First Financial Bankshares Inc STU:FI6
73 GF Score
Price €30.20
GF Value €35.14
Valuation Modestly Undervalued
! 2 Warning Signs
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What is First Financial Bankshares Scaled Net Operating Assets?

First Financial Bankshares STU:FI6 73 Scaled Net Operating Assets is 0.07 as of Mar. 2026. GuruFocus rates STU:FI6 with a GF Score™ of 73/100 and a GF Value™ of €35.14 (Modestly Undervalued). The stock has 2 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

First Financial Bankshares's operating assets for the quarter that ended in Mar. 2026 was €12,513.7 Mil. First Financial Bankshares's operating liabilities for the quarter that ended in Mar. 2026 was €11,610.7 Mil. First Financial Bankshares's Total Assets for the quarter that ended in Dec. 2025 was €13,191.3 Mil. Therefore, First Financial Bankshares's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.07.

STU:FI6
73GF Score
First Financial Bankshares Inc STU:FI6
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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First Financial Bankshares Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

First Financial Bankshares's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(12272.034-11535.921)/13350.344
=0.06

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=13191.291 - 919.257
=12272.034

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=11553.902 - 17.981 - 0
=11535.921

First Financial Bankshares's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(12513.695-11610.669)/13191.291
=0.07

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=13310.313 - 796.618
=12513.695

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=11628.882 - 18.213 - 0
=11610.669

* 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.

What does a Scaled Net Operating Assets of 0.07 mean?
First Financial Bankshares (STU:FI6) has a Scaled Net Operating Assets of 0.07 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on First Financial Bankshares and its competitors.
Is First Financial Bankshares' Scaled Net Operating Assets too high?
First Financial Bankshares' current Scaled Net Operating Assets is 0.07. 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' Scaled Net Operating Assets compare to FINN and TFSL?
First Financial Bankshares' Scaled Net Operating Assets of 0.07 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on First Financial Bankshares and its competitors. First Financial Bankshares's current Scaled Net Operating Assets is 0.07. 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 Scaled Net Operating Assets is 0.07. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For First Financial Bankshares (STU:FI6), the current Scaled Net Operating Assets is 0.07 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:

  • Scaled Net Operating Assets: 0.07
  • GF Value™: €35.14 vs. price of €30.20 (14.1% below fair value)
  • GF Score™: 73/100 with 2 warning signs

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

Other Exchanges FFIN:USA
Address 400 Pine Street, Abilene, TX, USA, 79601
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

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€30.20
Price
€35.14
GF Value