32.59 USD
-0.06 (-0.18%)
We assign a fundamental rating of 5 out of 10 to FFIN. FFIN was compared to 383 industry peers in the Banks industry. FFIN has only an average score on both its financial health and profitability. FFIN is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
- In the past year FFIN was profitable.
- FFIN had a positive operating cash flow in the past year.
- FFIN had positive earnings in each of the past 5 years.
- Each year in the past 5 years FFIN had a positive operating cash flow.
1.2 Ratios
- FFIN has a better Return On Assets (1.63%) than 91.91% of its industry peers.
- Looking at the Return On Equity, with a value of 13.25%, FFIN belongs to the top of the industry, outperforming 88.51% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.63% | ||
| ROE | 13.25% | ||
| 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 has a better Profit Margin (39.51%) than 94.78% of its industry peers.
- In the last couple of years the Profit Margin of FFIN has remained more or less at the same level.
- The Operating Margin and Gross Margin are not available for FFIN so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 39.51% | ||
| 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.
- 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.
- Looking at the Debt to FCF ratio, with a value of 0.24, FFIN belongs to the top of the industry, outperforming 85.64% 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.
- Looking at the Debt to Equity ratio, with a value of 0.04, FFIN belongs to the top of the industry, outperforming 83.03% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.24 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.65%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- FFIN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.55%, which is quite good.
- The Earnings Per Share has been growing slightly by 5.13% on average over the past years.
- The Revenue has grown by 17.37% in the past year. This is quite good.
- Measured over the past years, FFIN shows a small growth in Revenue. The Revenue has been growing by 6.74% on average per year.
EPS 1Y (TTM)16.55%
EPS 3Y-0.63%
EPS 5Y5.13%
EPS Q2Q%-7.69%
Revenue 1Y (TTM)17.37%
Revenue growth 3Y2.42%
Revenue growth 5Y6.74%
Sales Q2Q%6.77%
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 10.69% yearly.
- The Revenue is expected to grow by 9.26% on average over the next years. This is quite good.
EPS Next Y13.69%
EPS Next 2Y12.79%
EPS Next 3Y10.69%
EPS Next 5YN/A
Revenue Next Year14.97%
Revenue Next 2Y10.78%
Revenue Next 3Y9.26%
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- 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
- A Price/Earnings ratio of 19.28 indicates a rather expensive valuation of FFIN.
- Based on the Price/Earnings ratio, FFIN is valued a bit more expensive than the industry average as 79.90% of the companies are valued more cheaply.
- The average S&P500 Price/Earnings ratio is at 27.54. FFIN is valued slightly cheaper when compared to this.
- With a Price/Forward Earnings ratio of 16.42, FFIN is valued correctly.
- 75.20% of the companies in the same industry are cheaper than FFIN, based on the Price/Forward Earnings ratio.
- FFIN's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.28 | ||
| Fwd PE | 16.42 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of FFIN indicates a slightly more expensive valuation: FFIN is more expensive than 65.27% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.73 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.41
PEG (5Y)3.76
EPS Next 2Y12.79%
EPS Next 3Y10.69%
5. Dividend
5.1 Amount
- FFIN has a Yearly Dividend Yield of 2.37%. Purely for dividend investing, there may be better candidates out there.
- FFIN's Dividend Yield is comparable with the industry average which is at 2.90.
- FFIN's Dividend Yield is a higher than the S&P500 average which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.37% |
5.2 History
- The dividend of FFIN is nicely growing with an annual growth rate of 9.74%!
- 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
- FFIN pays out 43.07% of its income as dividend. This is a bit on the high side, but may be sustainable.
- The dividend of FFIN is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP43.07%
EPS Next 2Y12.79%
EPS Next 3Y10.69%
NASDAQ:FFIN (1/16/2026, 10:35:29 AM)
32.59
-0.06 (-0.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-23 2025-10-23/amc
Earnings (Next)01-22 2026-01-22/amc
Inst Owners66.85%
Inst Owner Change0.45%
Ins Owners3.84%
Ins Owner Change1.39%
Market Cap4.67B
Revenue(TTM)613.98M
Net Income(TTM)242.59M
Analysts74.55
Price Target36.72 (12.67%)
Short Float %5.47%
Short Ratio10.43
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.37% |
Yearly Dividend0.72
Dividend Growth(5Y)9.74%
DP43.07%
Div Incr Years14
Div Non Decr Years25
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-10.23%
Min EPS beat(2)-24.78%
Max EPS beat(2)4.31%
EPS beat(4)2
Avg EPS beat(4)-4.06%
Min EPS beat(4)-24.78%
Max EPS beat(4)5.39%
EPS beat(8)4
Avg EPS beat(8)-2.41%
EPS beat(12)4
Avg EPS beat(12)-2.91%
EPS beat(16)6
Avg EPS beat(16)-2.04%
Revenue beat(2)0
Avg Revenue beat(2)-5.64%
Min Revenue beat(2)-9.44%
Max Revenue beat(2)-1.83%
Revenue beat(4)0
Avg Revenue beat(4)-3.46%
Min Revenue beat(4)-9.44%
Max Revenue beat(4)-0.28%
Revenue beat(8)0
Avg Revenue beat(8)-3.55%
Revenue beat(12)0
Avg Revenue beat(12)-4.21%
Revenue beat(16)0
Avg Revenue beat(16)-4%
PT rev (1m)0%
PT rev (3m)-7.69%
EPS NQ rev (1m)-0.42%
EPS NQ rev (3m)0.8%
EPS NY rev (1m)-1.47%
EPS NY rev (3m)-5.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.06%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.69%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.28 | ||
| Fwd PE | 16.42 | ||
| P/S | 7.6 | ||
| P/FCF | 15.73 | ||
| P/OCF | 15.1 | ||
| P/B | 2.55 | ||
| P/tB | 3.88 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.69
EY5.19%
EPS(NY)1.98
Fwd EY6.09%
FCF(TTM)2.07
FCFY6.36%
OCF(TTM)2.16
OCFY6.62%
SpS4.29
BVpS12.78
TBVpS8.4
PEG (NY)1.41
PEG (5Y)3.76
Graham Number22.04
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.63% | ||
| ROE | 13.25% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 39.51% | ||
| GM | N/A | ||
| FCFM | 48.34% |
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-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.24 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 88.54% | ||
| Cap/Sales | 2% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 122.34% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC11.65%
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)16.55%
EPS 3Y-0.63%
EPS 5Y5.13%
EPS Q2Q%-7.69%
EPS Next Y13.69%
EPS Next 2Y12.79%
EPS Next 3Y10.69%
EPS Next 5YN/A
Revenue 1Y (TTM)17.37%
Revenue growth 3Y2.42%
Revenue growth 5Y6.74%
Sales Q2Q%6.77%
Revenue Next Year14.97%
Revenue Next 2Y10.78%
Revenue Next 3Y9.26%
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 1Y6.6%
FCF growth 3Y-4.28%
FCF growth 5Y8.61%
OCF growth 1Y4.54%
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 for 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 earnings growth outlook for FIRST FINL BANKSHARES INC?
The Earnings per Share (EPS) of FIRST FINL BANKSHARES INC (FFIN) is expected to grow by 13.69% in the next year.
Is the dividend of FIRST FINL BANKSHARES INC sustainable?
The dividend rating of FIRST FINL BANKSHARES INC (FFIN) is 6 / 10 and the dividend payout ratio is 43.07%.