FIRST FINL BANKSHARES INC (FFIN) Stock Fundamental Analysis
USA - NASDAQ:FFIN - US32020R1095 - Common Stock
30.64 USD
-0.7 (-2.23%)
30.64 USD
0 (0%)
FFIN gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 390 industry peers in the Banks industry. FFIN has an average financial health and profitability rating. FFIN is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year FFIN was profitable.
In the past year FFIN had a positive cash flow from operations.
FFIN had positive earnings in each of the past 5 years.
In the past 5 years FFIN always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.71%, FFIN belongs to the top of the industry, outperforming 93.59% 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 91.79% 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
FFIN has a Profit Margin of 41.48%. This is amongst the best in the industry. FFIN outperforms 96.15% of its industry peers.
FFIN's Profit Margin has been stable in the last couple of years.
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) | 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.
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
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.
With an excellent Debt to FCF ratio value of 0.24, FFIN belongs to the best of the industry, outperforming 84.62% of the companies in the same industry.
A Debt/Equity ratio of 0.04 indicates that FFIN is not too dependend on debt financing.
FFIN's Debt to Equity ratio of 0.04 is amongst the best of the industry. FFIN outperforms 82.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.24 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.67%
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.
Measured over the past 5 years, FFIN shows a small growth in Earnings Per Share. The EPS has been growing by 5.13% on average per year.
The Revenue has grown by 17.07% in the past year. This is quite good.
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
Based on estimates for the next years, FFIN will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.11% on average per year.
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 17.81, FFIN is valued on the expensive side.
Based on the Price/Earnings ratio, FFIN is valued a bit more expensive than the industry average as 77.95% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 26.76, FFIN is valued a bit cheaper.
With a Price/Forward Earnings ratio of 15.60, FFIN is valued correctly.
Based on the Price/Forward Earnings ratio, FFIN is valued a bit more expensive than the industry average as 75.38% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 22.63. FFIN is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.81 | ||
| Fwd PE | 15.6 |
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 60.77% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.08 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
FFIN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.88
PEG (5Y)3.48
EPS Next 2Y12.19%
EPS Next 3Y11.11%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.39%, FFIN has a reasonable but not impressive dividend return.
FFIN's Dividend Yield is slightly below the industry average, which is at 3.50.
Compared to an average S&P500 Dividend Yield of 2.31, 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 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.
The dividend of FFIN is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP41.92%
EPS Next 2Y12.19%
EPS Next 3Y11.11%
30.64
-0.7 (-2.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners66.42%
Inst Owner Change-0.07%
Ins Owners3.84%
Ins Owner Change1.97%
Market Cap4.38B
Revenue(TTM)592.19M
Net Income(TTM)245.63M
Analysts50
Price Target39.78 (29.83%)
Short Float %5.56%
Short Ratio14.58
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)0.04%
EPS NY rev (1m)0.16%
EPS NY rev (3m)2.63%
Revenue NQ rev (1m)-0.2%
Revenue NQ rev (3m)-0.2%
Revenue NY rev (1m)-0.21%
Revenue NY rev (3m)0.85%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.81 | ||
| Fwd PE | 15.6 | ||
| P/S | 7.4 | ||
| P/FCF | 15.08 | ||
| P/OCF | 14.46 | ||
| P/B | 2.52 | ||
| P/tB | 3.95 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.72
EY5.61%
EPS(NY)1.96
Fwd EY6.41%
FCF(TTM)2.03
FCFY6.63%
OCF(TTM)2.12
OCFY6.92%
SpS4.14
BVpS12.14
TBVpS7.76
PEG (NY)0.88
PEG (5Y)3.48
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
WACC11.67%
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.