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FIRST FINL BANKSHARES INC (FFIN) Stock Fundamental Analysis

NASDAQ:FFIN - Nasdaq - US32020R1095 - Common Stock - Currency: USD

36.73  -0.71 (-1.9%)

After market: 36.73 0 (0%)

Fundamental Rating

4

FFIN gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 397 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.


Dividend Valuation Growth Profitability Health

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5

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.
FFIN had a positive operating cash flow in each of the past 5 years.
FFIN Yearly Net Income VS EBIT VS OCF VS FCFFFIN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

1.2 Ratios

The Return On Assets of FFIN (1.62%) is better than 92.95% of its industry peers.
FFIN has a Return On Equity of 13.78%. This is amongst the best in the industry. FFIN outperforms 89.42% of its industry peers.
Industry RankSector Rank
ROA 1.62%
ROE 13.78%
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
FFIN Yearly ROA, ROE, ROICFFIN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

The Profit Margin of FFIN (40.60%) is better than 96.22% 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 RankSector Rank
OM N/A
PM (TTM) 40.6%
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
FFIN Yearly Profit, Operating, Gross MarginsFFIN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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4

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.
Compared to 5 years ago, FFIN has more shares outstanding
FFIN has a better debt/assets ratio than last year.
FFIN Yearly Shares OutstandingFFIN Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M
FFIN Yearly Total Debt VS Total AssetsFFIN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

The Debt to FCF ratio of FFIN is 0.28, which is an excellent value as it means it would take FFIN, only 0.28 years of fcf income to pay off all of its debts.
FFIN has a better Debt to FCF ratio (0.28) than 85.64% of its industry peers.
A Debt/Equity ratio of 0.05 indicates that FFIN is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.05, FFIN belongs to the best of the industry, outperforming 80.86% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.28
Altman-Z N/A
ROIC/WACCN/A
WACC11.61%
FFIN Yearly LT Debt VS Equity VS FCFFFIN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FFIN Yearly Current Assets VS Current LiabilitesFFIN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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6

3. Growth

3.1 Past

FFIN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.71%, which is quite good.
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 14.69% 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)15.71%
EPS 3Y-0.63%
EPS 5Y5.13%
EPS Q2Q%16.22%
Revenue 1Y (TTM)14.69%
Revenue growth 3Y2.42%
Revenue growth 5Y6.74%
Sales Q2Q%17.74%

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 10.57% on average per year.
FFIN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.47% yearly.
EPS Next Y17.14%
EPS Next 2Y10.57%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.22%
Revenue Next 2Y9.47%
Revenue Next 3YN/A
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.
FFIN Yearly Revenue VS EstimatesFFIN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M
FFIN Yearly EPS VS EstimatesFFIN Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

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1

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 22.67, which indicates a rather expensive current valuation of FFIN.
Based on the Price/Earnings ratio, FFIN is valued expensively inside the industry as 80.86% of the companies are valued cheaper.
FFIN is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.30, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 19.26 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 78.09% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.76, FFIN is valued at the same level.
Industry RankSector Rank
PE 22.67
Fwd PE 19.26
FFIN Price Earnings VS Forward Price EarningsFFIN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

69.27% of the companies in the same industry are cheaper than FFIN, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 17.76
EV/EBITDA N/A
FFIN Per share dataFFIN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

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)1.32
PEG (5Y)4.42
EPS Next 2Y10.57%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.03%, FFIN has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.30, FFIN is paying slightly less dividend.
FFIN's Dividend Yield is comparable with the S&P500 average which is at 2.37.
Industry RankSector Rank
Dividend Yield 2.03%

5.2 History

On average, the dividend of FFIN grows each year by 9.74%, which is quite nice.
FFIN has been paying a dividend for at least 10 years, so it has 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
FFIN Yearly Dividends per shareFFIN Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

44.48% of the earnings are spent on dividend by FFIN. 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.
DP44.48%
EPS Next 2Y10.57%
EPS Next 3YN/A
FFIN Yearly Income VS Free CF VS DividendFFIN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
FFIN Dividend Payout.FFIN Dividend Payout, showing the Payout Ratio.FFIN Dividend Payout.PayoutRetained Earnings

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FIRST FINL BANKSHARES INC

NASDAQ:FFIN (7/11/2025, 8:10:41 PM)

After market: 36.73 0 (0%)

36.73

-0.71 (-1.9%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-17 2025-04-17/amc
Earnings (Next)07-17 2025-07-17/amc
Inst Owners77.24%
Inst Owner Change-0.01%
Ins Owners3.82%
Ins Owner Change1.23%
Market Cap5.25B
Analysts48.89
Price Target37.49 (2.07%)
Short Float %5.52%
Short Ratio14.5
Dividend
Industry RankSector Rank
Dividend Yield 2.03%
Yearly Dividend0.72
Dividend Growth(5Y)9.74%
DP44.48%
Div Incr Years14
Div Non Decr Years25
Ex-Date06-16 2025-06-16 (0.19)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.12%
Min EPS beat(2)-1.16%
Max EPS beat(2)5.39%
EPS beat(4)2
Avg EPS beat(4)0.89%
Min EPS beat(4)-1.46%
Max EPS beat(4)5.39%
EPS beat(8)3
Avg EPS beat(8)-0.81%
EPS beat(12)4
Avg EPS beat(12)-1.19%
EPS beat(16)7
Avg EPS beat(16)-0.44%
Revenue beat(2)0
Avg Revenue beat(2)-1.29%
Min Revenue beat(2)-2.3%
Max Revenue beat(2)-0.28%
Revenue beat(4)0
Avg Revenue beat(4)-1.6%
Min Revenue beat(4)-2.66%
Max Revenue beat(4)-0.28%
Revenue beat(8)0
Avg Revenue beat(8)-3.44%
Revenue beat(12)0
Avg Revenue beat(12)-3.79%
Revenue beat(16)1
Avg Revenue beat(16)-3.55%
PT rev (1m)0%
PT rev (3m)-9.82%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.8%
EPS NY rev (1m)0%
EPS NY rev (3m)1.78%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.96%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.23%
Valuation
Industry RankSector Rank
PE 22.67
Fwd PE 19.26
P/S 9.22
P/FCF 17.76
P/OCF 16.9
P/B 3.13
P/tB 4.99
EV/EBITDA N/A
EPS(TTM)1.62
EY4.41%
EPS(NY)1.91
Fwd EY5.19%
FCF(TTM)2.07
FCFY5.63%
OCF(TTM)2.17
OCFY5.92%
SpS3.99
BVpS11.75
TBVpS7.36
PEG (NY)1.32
PEG (5Y)4.42
Profitability
Industry RankSector Rank
ROA 1.62%
ROE 13.78%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 40.6%
GM N/A
FCFM 51.9%
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 RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.28
Debt/EBITDA N/A
Cap/Depr 108.88%
Cap/Sales 2.62%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 127.84%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC11.61%
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)15.71%
EPS 3Y-0.63%
EPS 5Y5.13%
EPS Q2Q%16.22%
EPS Next Y17.14%
EPS Next 2Y10.57%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)14.69%
Revenue growth 3Y2.42%
Revenue growth 5Y6.74%
Sales Q2Q%17.74%
Revenue Next Year13.22%
Revenue Next 2Y9.47%
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-5.82%
FCF growth 3Y-4.28%
FCF growth 5Y8.61%
OCF growth 1Y-6.69%
OCF growth 3Y-4.29%
OCF growth 5Y8.86%