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First Financial BanksharesFFIN +0.40%65 5-Year Yield-on-Cost % is 3.28 as of Aug. 16, 2026, which is 34% above its 10-year median of 2.44. GuruFocus rates FFIN with a GF Score™ of 65/100 and a GF Value™ of $40.64 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,256 Banks companies, First Financial Bankshares ranks worse than 59.32% on this metric.
First Financial Bankshares (NAS:FFIN) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
First Financial Bankshares 5-Year Yield-on-Cost % Related Terms
FFIN vs TFSL, SFBS, FINN: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, First Financial Bankshares's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, First Financial Bankshares's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where First Financial Bankshares's 5-Year Yield-on-Cost % falls into.
First Financial Bankshares 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
First Financial Bankshares (FFIN) has a 5-Year Yield-on-Cost % of 3.28 as of Aug. 16, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on First Financial Bankshares and its competitors. This is 34% above median its historical median of 2.44. Over the past decade, First Financial Bankshares' 5-Year Yield-on-Cost % has ranged from 1.46 to 4.43. According to the industry distribution chart, First Financial Bankshares ranks #745 out of 1256 companies in the Banks industry, placing it in the top 59.3%.
Is First Financial Bankshares' 5-Year Yield-on-Cost % too high?
First Financial Bankshares' current 5-Year Yield-on-Cost % of 3.28 is 34% above median its 10-year median of 2.44. Over the past 10 years, this metric has ranged from a low of 1.46 to a high of 4.43. The Banks industry median 5-Year Yield-on-Cost % is 3.81. First Financial Bankshares' value of 3.28 is 13.9% below this industry median. Based on the distribution chart, First Financial Bankshares ranks #745 out of 1256 companies in the Banks industry, which is below the industry midpoint. Overall, First Financial Bankshares has a GF Score™ of 65/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does First Financial Bankshares' 5-Year Yield-on-Cost % compare to TFSL and SFBS?
According to the Banks industry distribution chart, First Financial Bankshares ranks #745 out of 1256 companies for 5-Year Yield-on-Cost %. This places First Financial Bankshares in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.81. First Financial Bankshares' value of 3.28 is 13.9% below this benchmark. Historically, First Financial Bankshares' own 5-Year Yield-on-Cost % has ranged from 1.46 to 4.43 over the past decade. While the company's 10-year median is 2.44 vs. the industry median of 3.81, First Financial Bankshares has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.81, based on 1,256 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Financial Bankshares's current 5-Year Yield-on-Cost % of 3.28 is 13.9% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on First Financial Bankshares and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Financial Bankshares's current 5-Year Yield-on-Cost % is 3.28, which is 34% above median its own 10-year median of 2.44. 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 $40.64, compared to a current price of $35.28 — trading 13.2% below its estimated fair value. The current 5-Year Yield-on-Cost % is 3.28, which is 34% above median its 10-year median of 2.44 and 13.9% below the Banks industry median of 3.81. First Financial Bankshares' overall GF Score™ is 65/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For First Financial Bankshares (FFIN), the current 5-Year Yield-on-Cost % is 3.28 as of Aug. 16, 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 $35.28 is trading 13.2% below its estimated GF Value™ of $40.64.
GuruFocus considers First Financial Bankshares to be Modestly Undervalued.
Key valuation signals for FFIN:
5-Year Yield-on-Cost %: 3.28 (34% above median its 10-year median of 2.44)
GF Value™: $40.64 vs. price of $35.28 (13.2% below fair value)
Industry Position: 13.9% below the Banks median (#745 of 1256)
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.
65GF Score
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