First Financial Bankshares (FRA:FI6) Altman Z-Score

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:FI6 First Financial Bankshares Inc FRA:FI6
70 GF Score
Price €29.80
GF Value €35.26
Valuation Modestly Undervalued
! 2 Warning Signs
View Full Analysis

What is First Financial Bankshares Altman Z-Score?

The Altman Z-Score is a model designed to predict the likelihood of a company going bankrupt within the next two years. Created by American finance professor Edward Altman in 1968, the model is specifically designed for publicly traded manufacturing companies with assets greater than $1 million.

Altman Z-Score does not apply to banks and insurance companies.

FRA:FI6
70GF Score
First Financial Bankshares Inc FRA:FI6
Altman Z-Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is First Financial Bankshares (FRA:FI6) Overvalued in 2026?

Based on GuruFocus' analysis, First Financial Bankshares stock appears to be undervalued. The current stock price of €29.80 is trading 15.5% below its estimated GF Value™ of €35.26. GuruFocus considers First Financial Bankshares to be Modestly Undervalued.

Key valuation signals for FRA:FI6:

  • Altman Z-Score:
  • GF Value™: €35.26 vs. price of €29.80 (15.5% below fair value)
  • GF Score™: 70/100 with 2 warning signs

No single metric tells the full story. See the FRA: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:USAFI6:Germany
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.
70GF Score

Get the complete analysis for FRA:FI6

Altman Z-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€29.80
Price
€35.26
GF Value