# First Financial Bankshares Inc. (FFIN) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $33.44, market value $4.8 billion.

## Valuation
- **P/E (trailing): 17.9×** (5-yr avg 21.6×, 3-yr avg 19.9×). First Financial Bankshares Inc. trades at 17.9× trailing earnings, close to its own five-year average of 21.6×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 15.6×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 1.16**. A PEG of 1.16 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: 6.8%** (5-yr avg 6.2%). Free cash flow equals 6.8% of the market value, in line with its five-year average of 6.2%. Above 5% is generally attractive.
- **Earnings yield: 5.6%**. The inverse of the P/E: 5.6% 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: 2.63%** ($0.79 per share, trailing). First Financial Bankshares Inc. yields 2.63%, 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** (6 analysts). 6 analysts cover First Financial Bankshares Inc.; the consensus is hold, with an average price target of $36.67 (+10% 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): -8.0%** (YTD 13.4%, 3-mo 3.6%). The shares are down 8.0% over twelve months including dividends.
- **From 52-week high: -8.9%** (18.9% above the low). Trading 9% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 43**. An RSI of 43 is neutral.
- **Beta (1 yr): 0.61** (volatility 24%). Beta of 0.61 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.