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Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. First Financial Bankshares's current 3-Year Share Buyback Ratio was -0.10%.
The historical rank and industry rank for First Financial Bankshares's 3-Year Share Buyback Ratio or its related term are showing as below:
FFIN'
s 3-Year Share Buyback Ratio Range Over the Past 10 Years
Min: -4.9 Med: -0.45 Max: 0.3
Current: -0.1
During the past 13 years, First Financial Bankshares's highest 3-Year Share Buyback Ratio was 0.30%. The lowest was -4.90%. And the median was -0.45%.
FFIN's 3-Year Share Buyback Ratio is ranked better than 56.91% of 1042
companies
in the Banks industry
Industry Median: -0.2
vs FFIN: -0.10
First Financial Bankshares (NAS:FFIN) 3-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
First Financial Bankshares 3-Year Share Buyback Ratio Related Terms
FFIN vs TFSL, SFBS, FINN: 3-Year Share Buyback Ratio Comparison
For the Banks - Regional subindustry, First Financial Bankshares's 3-Year Share Buyback Ratio, along with its competitors' market caps and 3-Year Share Buyback 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 3-Year Share Buyback Ratio vs Banks Industry
For the Banks industry and Financial Services sector, First Financial Bankshares's 3-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where First Financial Bankshares's 3-Year Share Buyback Ratio falls into.
First Financial Bankshares 3-Year Share Buyback Ratio Calculation
This is the annualized percentage change in shares outstanding from three years ago to the current year. The annualized percentage change is calculated with expontential compound based on the latest four years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Share Buyback Ratio of -0.10 mean?
First Financial Bankshares (FFIN) has a 3-Year Share Buyback Ratio of -0.10 as of Jun. 2026. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for First Financial Bankshares and its competitors. According to the industry distribution chart, First Financial Bankshares ranks #449 out of 1042 companies in the Banks industry, placing it in the top 43.1%.
Is First Financial Bankshares' 3-Year Share Buyback Ratio too high?
First Financial Bankshares' current 3-Year Share Buyback Ratio is -0.10. Based on the distribution chart, First Financial Bankshares ranks #449 out of 1042 companies in the Banks industry, which is above the industry midpoint. Overall, First Financial Bankshares has a GF Score™ of 64/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does First Financial Bankshares' 3-Year Share Buyback Ratio compare to TFSL and SFBS?
According to the Banks industry distribution chart, First Financial Bankshares ranks #449 out of 1042 companies for 3-Year Share Buyback Ratio. This puts First Financial Bankshares in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Share Buyback Ratio for a Banks company?
A good 3-Year Share Buyback Ratio depends on the Banks industry context. However, 3-Year Share Buyback Ratio 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 3-Year Share Buyback Ratio mean?
A high 3-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for First Financial Bankshares and its competitors. First Financial Bankshares's current 3-Year Share Buyback Ratio is -0.10. 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 (FFIN) is currently considered Modestly Undervalued. The stock's GF Value™ is $40.73, compared to a current price of $34.13 — trading 16.2% below its estimated fair value. The current 3-Year Share Buyback Ratio is -0.10. First Financial Bankshares' overall GF Score™ is 64/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Share Buyback Ratio calculated?
3-Year Share Buyback Ratio is calculated from a company's financial statements. For First Financial Bankshares (FFIN), the current 3-Year Share Buyback Ratio is -0.10 as of Jun. 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 (FFIN) Overvalued in 2026?
Based on GuruFocus' analysis, First Financial Bankshares stock appears to be undervalued.
The current stock price of $34.13 is trading 16.2% below its estimated GF Value™ of $40.73.
GuruFocus considers First Financial Bankshares to be Modestly Undervalued.
Key valuation signals for FFIN:
3-Year Share Buyback Ratio: -0.10
GF Value™: $40.73 vs. price of $34.13 (16.2% below fair value)
No single metric tells the full story. See the FFIN 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.
64GF Score
Get the complete analysis for FFIN
3-Year Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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