# First Financial Bankshares Inc. (FFIN) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Banks. Price $31.04, market value $4.5 billion.

## Valuation
- **P/E (trailing): 15.4×** (5-yr avg 21.6×, 3-yr avg 19.9×). First Financial Bankshares Inc. trades at 15.4× trailing earnings, well below its own five-year average of 21.6×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 14.6×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 1.08**. A PEG of 1.08 is in the range usually read as fairly priced for its growth.
- **Price / book: 2.4×**. The shares trade at 2.4× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 7.3%** (5-yr avg 6.2%). Free cash flow equals 7.3% of the market value, in line with its five-year average of 6.2%. Above 5% is generally attractive.
- **Earnings yield: 6.5%**. The inverse of the P/E: 6.5% of the price is earned each year.

## Profitability
- **Return on equity: 13.2%**. 13.2% on shareholders' equity is solid.

## Growth
- **EPS growth (1 yr): 13.5%** (3-yr 2.6%/yr, 5-yr 4.5%/yr). Earnings per share rose 13.5%.
- **Free-cash-flow growth (3 yr): -2.5%/yr**. Free cash flow has compounded at -2.5% a year over three years, lagging earnings: check whether profits are turning into cash.

## Dividends
- **Dividend yield: 2.83%** ($0.82 per share, trailing). First Financial Bankshares Inc. yields 2.83%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 42%** (33% of free cash flow). 42% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 14**. 14 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 8.0%/yr** (1-yr 4.2%). The dividend has grown 8.0% a year over five years.

## Analyst view
- **Analyst consensus: hold** (7 analysts). 7 analysts cover First Financial Bankshares Inc.; the consensus is hold, with an average price target of $34.71 (+12% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 2.3%** (YTD 5.3%, 3-mo -12.6%). The shares are up 2.3% over twelve months including dividends.
- **From 52-week high: -15.0%** (10.4% above the low). Trading 15% below its 52-week high.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 50**. An RSI of 50 is neutral.
- **Beta (1 yr): 0.49** (volatility 23%). Beta of 0.49 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=FFIN · Page: https://foliofundamentals.com/stocks/ffin

Not investment advice.