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FIRST FINL BANKSHARES INC (FFIN) Stock Fundamental Analysis

USA - NASDAQ:FFIN - US32020R1095 - Common Stock

30.64 USD
-0.7 (-2.23%)
Last: 10/29/2025, 8:00:00 PM
30.64 USD
0 (0%)
After Hours: 10/29/2025, 8:00:00 PM
Fundamental Rating

5

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.


Dividend Valuation Growth Profitability Health

5

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.
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

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 RankSector 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
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

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 RankSector 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
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

4

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.
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 0.24, 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 RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.24
Altman-Z N/A
ROIC/WACCN/A
WACC11.67%
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

6

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.
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 2027 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 2027 0.5 1 1.5 2

2

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 RankSector Rank
PE 17.81
Fwd PE 15.6
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

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 RankSector Rank
P/FCF 15.08
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 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

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 RankSector 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
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

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%
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

FIRST FINL BANKSHARES INC

NASDAQ:FFIN (10/29/2025, 8:00:00 PM)

After market: 30.64 0 (0%)

30.64

-0.7 (-2.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-16 2025-10-16/amc
Earnings (Next)01-21 2026-01-21/amc
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 RankSector Rank
Dividend Yield 2.39%
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)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 RankSector 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 RankSector 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 RankSector 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.