FFIN Fundamental Analysis - FIRST FINL BANKSHARES INC

Fundamental Rating

Overall FFIN gets a fundamental rating of 4 out of 10. We evaluated FFIN against 395 industry peers in the Banks industry. FFIN has only an average score on both its financial health and profitability. While showing a medium growth rate, FFIN is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

FFIN had positive earnings in the past year.

In the past year FFIN had a positive cash flow from operations.

Each year in the past 5 years FFIN has been profitable.

Each year in the past 5 years FFIN had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 1.71%, FFIN belongs to the top of the industry, outperforming 92.91% of the companies in the same industry.

Looking at the Return On Equity, with a value of 14.14%, FFIN belongs to the top of the industry, outperforming 91.14% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.71%
ROE	14.14%
ROIC	N/A

ROA(3y)1.64%

ROA(5y)1.7%

ROE(3y)15.24%

ROE(5y)14.14%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

FFIN's Profit Margin of 41.48% is amongst the best of the industry. FFIN outperforms 96.20% of its industry peers.

In the last couple of years the Profit Margin of FFIN has remained more or less at the same level.

FFIN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	41.48%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-2.95%

PM growth 5Y-0.43%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

FFIN does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, FFIN has about the same amount of shares outstanding.

FFIN has more shares outstanding than it did 5 years ago.

Compared to 1 year ago, FFIN has an improved debt to assets ratio.

2.2 Solvency

FFIN has a debt to FCF ratio of 0.24. This is a very positive value and a sign of high solvency as it would only need 0.24 years to pay back of all of its debts.

FFIN has a better Debt to FCF ratio (0.24) than 85.57% of its industry peers.

FFIN has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.

FFIN has a better Debt to Equity ratio (0.04) than 82.28% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.04
Debt/FCF	0.24
Altman-Z	N/A

ROIC/WACCN/A

WACC11.37%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 21.99% over the past year.

The Earnings Per Share has been growing slightly by 5.13% on average over the past years.

Looking at the last year, FFIN shows a quite strong growth in Revenue. The Revenue has grown by 17.07% in the last year.

The Revenue has been growing slightly by 6.74% on average over the past years.

EPS 1Y (TTM)21.99%

EPS 3Y-0.63%

EPS 5Y5.13%

EPS Q2Q%27.03%

Revenue 1Y (TTM)17.07%

Revenue growth 3Y2.42%

Revenue growth 5Y6.74%

Sales Q2Q%16.4%

3.2 Future

FFIN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.77% yearly.

The Revenue is expected to grow by 10.10% on average over the next years. This is quite good.

EPS Next Y20.03%

EPS Next 2Y11.77%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year14.43%

Revenue Next 2Y10.1%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 21.35 indicates a rather expensive valuation of FFIN.

Compared to the rest of the industry, the Price/Earnings ratio of FFIN indicates a rather expensive valuation: FFIN more expensive than 81.27% of the companies listed in the same industry.

FFIN's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.06.

A Price/Forward Earnings ratio of 18.85 indicates a rather expensive valuation of FFIN.

Based on the Price/Forward Earnings ratio, FFIN is valued a bit more expensive than the industry average as 77.72% of the companies are valued more cheaply.

The average S&P500 Price/Forward Earnings ratio is at 22.69. FFIN is around the same levels.

		Industry Rank	Sector Rank
PE	21.35
Fwd PE	18.85

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, FFIN is valued a bit more expensive than the industry average as 65.82% of the companies are valued more cheaply.

		Industry Rank	Sector Rank
P/FCF	18.08
EV/EBITDA	N/A

4.3 Compensation for Growth

FFIN's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.07

PEG (5Y)4.17

EPS Next 2Y11.77%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

FFIN has a Yearly Dividend Yield of 2.04%.

Compared to an average industry Dividend Yield of 3.18, FFIN is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.32, FFIN has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.04%

5.2 History

On average, the dividend of FFIN grows each year by 9.74%, which is quite nice.

FFIN has paid a dividend for at least 10 years, which is a reliable track record.

FFIN has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)9.74%

Div Incr Years14

Div Non Decr Years25

5.3 Sustainability

FFIN pays out 41.92% of its income as dividend. This is a bit on the high side, but may be sustainable.

FFIN's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP41.92%

EPS Next 2Y11.77%

EPS Next 3YN/A

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FIRST FINL BANKSHARES INC

NASDAQ:FFIN (9/5/2025, 8:12:48 PM)

After market: 36.73 0 (0%)

36.73

-0.51 (-1.37%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-17 2025-07-17/amc

Earnings (Next)10-15 2025-10-15/amc

Inst Owners77.53%

Inst Owner Change-15.66%

Ins Owners3.83%

Ins Owner Change2.27%

Market Cap5.26B

Analysts48.89

Price Target39.78 (8.3%)

Short Float %5.15%

Short Ratio12.13

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.04%

Yearly Dividend0.72

Dividend Growth(5Y)9.74%

DP41.92%

Div Incr Years14

Div Non Decr Years25

Ex-Date09-15 2025-09-15 (0.19)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)1.58%

Min EPS beat(2)-1.16%

Max EPS beat(2)4.31%

EPS beat(4)2

Avg EPS beat(4)1.77%

Min EPS beat(4)-1.46%

Max EPS beat(4)5.39%

EPS beat(8)4

Avg EPS beat(8)0.04%

EPS beat(12)4

Avg EPS beat(12)-1.07%

EPS beat(16)7

Avg EPS beat(16)-0.2%

Revenue beat(2)0

Avg Revenue beat(2)-2.07%

Min Revenue beat(2)-2.3%

Max Revenue beat(2)-1.83%

Revenue beat(4)0

Avg Revenue beat(4)-1.77%

Min Revenue beat(4)-2.66%

Max Revenue beat(4)-0.28%

Revenue beat(8)0

Avg Revenue beat(8)-3.18%

Revenue beat(12)0

Avg Revenue beat(12)-3.77%

Revenue beat(16)1

Avg Revenue beat(16)-3.37%

PT rev (1m)6.12%

PT rev (3m)6.12%

EPS NQ rev (1m)0%

EPS NQ rev (3m)4.75%

EPS NY rev (1m)2.47%

EPS NY rev (3m)2.47%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)3.65%

Revenue NY rev (1m)0%

Revenue NY rev (3m)1.07%

Valuation

		Industry Rank	Sector Rank
PE	21.35
Fwd PE	18.85
P/S	8.88
P/FCF	18.08
P/OCF	17.33
P/B	3.03
P/tB	4.73
EV/EBITDA	N/A

EPS(TTM)1.72

EY4.68%

EPS(NY)1.95

Fwd EY5.31%

FCF(TTM)2.03

FCFY5.53%

OCF(TTM)2.12

OCFY5.77%

SpS4.14

BVpS12.14

TBVpS7.76

PEG (NY)1.07

PEG (5Y)4.17

Profitability

		Industry Rank	Sector Rank
ROA	1.71%
ROE	14.14%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	41.48%
GM	N/A
FCFM	49.1%

ROA(3y)1.64%

ROA(5y)1.7%

ROE(3y)15.24%

ROE(5y)14.14%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-2.95%

PM growth 5Y-0.43%

GM growth 3YN/A

GM growth 5YN/A

F-Score8

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.04
Debt/FCF	0.24
Debt/EBITDA	N/A
Cap/Depr	93.14%
Cap/Sales	2.11%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	118.38%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC11.37%

ROIC/WACCN/A

Cap/Depr(3y)128.37%

Cap/Depr(5y)132.12%

Cap/Sales(3y)3.17%

Cap/Sales(5y)3.32%

Profit Quality(3y)132.31%

Profit Quality(5y)127.96%

High Growth Momentum

Growth

EPS 1Y (TTM)21.99%

EPS 3Y-0.63%

EPS 5Y5.13%

EPS Q2Q%27.03%

EPS Next Y20.03%

EPS Next 2Y11.77%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)17.07%

Revenue growth 3Y2.42%

Revenue growth 5Y6.74%

Sales Q2Q%16.4%

Revenue Next Year14.43%

Revenue Next 2Y10.1%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-2.75%

FCF growth 3Y-4.28%

FCF growth 5Y8.61%

OCF growth 1Y-4.81%

OCF growth 3Y-4.29%

OCF growth 5Y8.86%

FIRST FINL BANKSHARES INC (FFIN) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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