FIRST FINL BANKSHARES INC (FFIN) Stock Fundamental Analysis
USA - NASDAQ:FFIN - US32020R1095 - Common Stock
31.12 USD
-0.73 (-2.29%)
31.12 USD
0 (0%)
Taking everything into account, FFIN scores 5 out of 10 in our fundamental rating. FFIN was compared to 391 industry peers in the Banks industry. Both the profitability and the financial health of FFIN get a neutral evaluation. Nothing too spectacular is happening here. While showing a medium growth rate, FFIN is valued expensive at the moment.
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.
In the past 5 years FFIN has always been profitable.
Each year in the past 5 years FFIN had a positive operating cash flow.
1.2 Ratios
With an excellent Return On Assets value of 1.71%, FFIN belongs to the best of the industry, outperforming 93.61% of the companies in the same industry.
FFIN has a Return On Equity of 14.14%. This is amongst the best in the industry. FFIN outperforms 91.82% of its industry peers.
| 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
Looking at the Profit Margin, with a value of 41.48%, FFIN belongs to the top of the industry, outperforming 96.16% of the companies in the same industry.
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
2. Health
2.1 Basic Checks
FFIN does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FFIN remains at a similar level compared to 1 year ago.
The number of shares outstanding for FFIN has been increased compared to 5 years ago.
FFIN has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of FFIN is 0.24, which is an excellent value as it means it would take FFIN, only 0.24 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.24, FFIN belongs to the top of the industry, outperforming 84.65% of the companies in the same industry.
FFIN has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of FFIN (0.04) is better than 82.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.24 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.66%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
The Revenue has grown by 17.07% in the past year. This is quite good.
FFIN shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.74% yearly.
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
The Earnings Per Share is expected to grow by 11.11% on average over the next years. This is quite good.
FFIN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.00% yearly.
EPS Next Y20.22%
EPS Next 2Y12.19%
EPS Next 3Y11.11%
EPS Next 5YN/A
Revenue Next Year14.19%
Revenue Next 2Y10.45%
Revenue Next 3Y10%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
FFIN is valuated rather expensively with a Price/Earnings ratio of 18.09.
78.26% of the companies in the same industry are cheaper than FFIN, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.91, FFIN is valued a bit cheaper.
A Price/Forward Earnings ratio of 15.85 indicates a correct valuation of FFIN.
75.70% of the companies in the same industry are cheaper than FFIN, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.92. FFIN is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.09 | ||
| Fwd PE | 15.85 |
4.2 Price Multiples
61.89% of the companies in the same industry are cheaper than FFIN, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.32 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.89
PEG (5Y)3.53
EPS Next 2Y12.19%
EPS Next 3Y11.11%
5. Dividend
5.1 Amount
FFIN has a Yearly Dividend Yield of 2.39%.
Compared to an average industry Dividend Yield of 3.53, 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 | 2.39% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)9.74%
Div Incr Years14
Div Non Decr Years25
5.3 Sustainability
41.92% of the earnings are spent on dividend by FFIN. This is a bit on the high side, but may be sustainable.
FFIN's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP41.92%
EPS Next 2Y12.19%
EPS Next 3Y11.11%
31.12
-0.73 (-2.29%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners66.42%
Inst Owner Change-0.01%
Ins Owners3.84%
Ins Owner Change1.97%
Market Cap4.45B
Revenue(TTM)592.19M
Net Income(TTM)245.63M
Analysts50
Price Target39.78 (27.83%)
Short Float %5.34%
Short Ratio13.99
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.39% |
Yearly Dividend0.72
Dividend Growth(5Y)9.74%
DP41.92%
Div Incr Years14
Div Non Decr Years25
Ex-Date
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)0%
PT rev (3m)6.12%
EPS NQ rev (1m)0.04%
EPS NQ rev (3m)2.45%
EPS NY rev (1m)0%
EPS NY rev (3m)2.47%
Revenue NQ rev (1m)-0.2%
Revenue NQ rev (3m)1.06%
Revenue NY rev (1m)-0.21%
Revenue NY rev (3m)0.85%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.09 | ||
| Fwd PE | 15.85 | ||
| P/S | 7.52 | ||
| P/FCF | 15.32 | ||
| P/OCF | 14.68 | ||
| P/B | 2.56 | ||
| P/tB | 4.01 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.72
EY5.53%
EPS(NY)1.96
Fwd EY6.31%
FCF(TTM)2.03
FCFY6.53%
OCF(TTM)2.12
OCFY6.81%
SpS4.14
BVpS12.14
TBVpS7.76
PEG (NY)0.89
PEG (5Y)3.53
Graham Number21.68
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
ROICexgc growth 3YN/A
ROICexgc 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
WACC11.66%
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 Y20.22%
EPS Next 2Y12.19%
EPS Next 3Y11.11%
EPS Next 5YN/A
Revenue 1Y (TTM)17.07%
Revenue growth 3Y2.42%
Revenue growth 5Y6.74%
Sales Q2Q%16.4%
Revenue Next Year14.19%
Revenue Next 2Y10.45%
Revenue Next 3Y10%
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 FAQ
Can you provide the ChartMill fundamental rating for FIRST FINL BANKSHARES INC?
ChartMill assigns a fundamental rating of 5 / 10 to FFIN.
What is the valuation status of FIRST FINL BANKSHARES INC (FFIN) stock?
ChartMill assigns a valuation rating of 2 / 10 to FIRST FINL BANKSHARES INC (FFIN). This can be considered as Overvalued.
Can you provide the profitability details for FIRST FINL BANKSHARES INC?
FIRST FINL BANKSHARES INC (FFIN) has a profitability rating of 5 / 10.
What is the financial health of FIRST FINL BANKSHARES INC (FFIN) stock?
The financial health rating of FIRST FINL BANKSHARES INC (FFIN) is 4 / 10.
Can you provide the expected EPS growth for FFIN stock?
The Earnings per Share (EPS) of FIRST FINL BANKSHARES INC (FFIN) is expected to grow by 20.22% in the next year.