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FIRST FINL BANKSHARES INC (FFIN) Stock Fundamental Analysis

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

34.38  +0.33 (+0.97%)

After market: 34.38 0 (0%)

Fundamental Rating

5

Taking everything into account, FFIN scores 5 out of 10 in our fundamental rating. FFIN was compared to 392 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. FFIN is quite expensive at the moment. It does show a decent growth rate.


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.
Each year in the past 5 years FFIN has 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

FFIN's Return On Assets of 1.62% is amongst the best of the industry. FFIN outperforms 92.86% of its industry peers.
FFIN's Return On Equity of 13.78% is amongst the best of the industry. FFIN outperforms 89.54% 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

FFIN's Profit Margin of 40.60% is amongst the best of the industry. FFIN outperforms 96.17% of its industry peers.
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 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

FFIN has a debt to FCF ratio of 0.28. This is a very positive value and a sign of high solvency as it would only need 0.28 years to pay back of all of its debts.
FFIN has a better Debt to FCF ratio (0.28) than 84.95% of its industry peers.
FFIN has a Debt/Equity ratio of 0.05. This is a healthy value indicating a solid balance between debt and equity.
FFIN has a Debt to Equity ratio of 0.05. This is amongst the best in the industry. FFIN outperforms 80.87% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.28
Altman-Z N/A
ROIC/WACCN/A
WACC11.59%
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

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.
FFIN shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 17.07%.
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

FFIN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.57% yearly.
FFIN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.10% yearly.
EPS Next Y17.14%
EPS Next 2Y10.57%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year14.43%
Revenue Next 2Y10.1%
Revenue Next 3YN/A
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.
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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2

4. Valuation

4.1 Price/Earnings Ratio

FFIN is valuated rather expensively with a Price/Earnings ratio of 19.99.
80.61% 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 27.24, FFIN is valued a bit cheaper.
The Price/Forward Earnings ratio is 18.03, which indicates a rather expensive current valuation of FFIN.
78.32% of the companies in the same industry are cheaper than FFIN, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.42, FFIN is valued rather cheaply.
Industry RankSector Rank
PE 19.99
Fwd PE 18.03
FFIN Price Earnings VS Forward Price EarningsFFIN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, FFIN is valued a bit more expensive than the industry average as 67.35% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 16.62
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

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.17
PEG (5Y)3.9
EPS Next 2Y10.57%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.20%, FFIN has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.51, FFIN is paying slightly less dividend.
FFIN's Dividend Yield is comparable with the S&P500 average which is at 2.40.
Industry RankSector Rank
Dividend Yield 2.2%

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
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 44.48% 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.
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 (8/4/2025, 6:39:14 PM)

After market: 34.38 0 (0%)

34.38

+0.33 (+0.97%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-17 2025-07-17/amc
Earnings (Next)10-15 2025-10-15/amc
Inst Owners77.24%
Inst Owner Change0.18%
Ins Owners3.82%
Ins Owner Change1.99%
Market Cap4.92B
Analysts48.89
Price Target37.49 (9.05%)
Short Float %5.28%
Short Ratio13.19
Dividend
Industry RankSector Rank
Dividend Yield 2.2%
Yearly Dividend0.72
Dividend Growth(5Y)9.74%
DP44.48%
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)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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)1.49%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)1.07%
Revenue NY rev (3m)1.07%
Valuation
Industry RankSector Rank
PE 19.99
Fwd PE 18.03
P/S 8.63
P/FCF 16.62
P/OCF 15.82
P/B 2.93
P/tB 4.67
EV/EBITDA N/A
EPS(TTM)1.72
EY5%
EPS(NY)1.91
Fwd EY5.55%
FCF(TTM)2.07
FCFY6.02%
OCF(TTM)2.17
OCFY6.32%
SpS3.99
BVpS11.75
TBVpS7.36
PEG (NY)1.17
PEG (5Y)3.9
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
WACC11.59%
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 Y17.14%
EPS Next 2Y10.57%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)17.07%
Revenue growth 3Y2.42%
Revenue growth 5Y6.74%
Sales Q2Q%16.4%
Revenue Next Year14.43%
Revenue Next 2Y10.1%
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%