FIRST FINL BANKSHARES INC (FFIN) Fundamental Analysis & Valuation

NASDAQ:FFIN • US32020R1095

Current stock price

28.95 USD
+0.3 (+1.05%)
At close:
28.95 USD
0 (0%)
After Hours:

This FFIN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. FFIN Profitability Analysis

1.1 Basic Checks

  • In the past year FFIN was profitable.
  • FFIN had a positive operating cash flow in the past year.
  • In the past 5 years FFIN has always been profitable.
  • Each year in the past 5 years FFIN had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

1.2 Ratios

  • FFIN has a Return On Assets of 1.64%. This is amongst the best in the industry. FFIN outperforms 90.81% of its industry peers.
  • Looking at the Return On Equity, with a value of 13.23%, FFIN belongs to the top of the industry, outperforming 87.14% of the companies in the same industry.
Industry RankSector Rank
ROA 1.64%
ROE 13.23%
ROIC N/A
ROA(3y)1.59%
ROA(5y)1.66%
ROE(3y)13.47%
ROE(5y)14.38%
ROIC(3y)N/A
ROIC(5y)N/A
FFIN Yearly ROA, ROE, ROICFFIN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • FFIN has a Profit Margin of 40.15%. This is amongst the best in the industry. FFIN outperforms 95.01% 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) 40.15%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3%
PM growth 5Y-0.54%
GM growth 3YN/A
GM growth 5YN/A
FFIN Yearly Profit, Operating, Gross MarginsFFIN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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4

2. FFIN Health Analysis

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.
  • FFIN has a better debt/assets ratio than last year.
FFIN Yearly Shares OutstandingFFIN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M
FFIN Yearly Total Debt VS Total AssetsFFIN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

2.2 Solvency

  • The Debt to FCF ratio of FFIN is 0.30, which is an excellent value as it means it would take FFIN, only 0.30 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.30, FFIN belongs to the top of the industry, outperforming 85.83% 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.
  • With an excellent Debt to Equity ratio value of 0.04, FFIN belongs to the best of the industry, outperforming 81.36% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.3
Altman-Z N/A
ROIC/WACCN/A
WACC12.62%
FFIN Yearly LT Debt VS Equity VS FCFFFIN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. FFIN Growth Analysis

3.1 Past

  • FFIN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.46%, which is quite good.
  • FFIN shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.50% yearly.
  • The Revenue has grown by 14.68% in the past year. This is quite good.
  • FFIN shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.22% yearly.
EPS 1Y (TTM)13.46%
EPS 3Y2.78%
EPS 5Y4.5%
EPS Q2Q%18.6%
Revenue 1Y (TTM)14.68%
Revenue growth 3Y5.81%
Revenue growth 5Y5.22%
Sales Q2Q%11.98%

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 10.11% on average per year.
  • FFIN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.47% yearly.
EPS Next Y14.14%
EPS Next 2Y10.11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.34%
Revenue Next 2Y7.47%
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.
  • 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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2

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2

4. FFIN Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 16.36, which indicates a correct valuation of FFIN.
  • Based on the Price/Earnings ratio, FFIN is valued a bit more expensive than 79.53% of the companies in the same industry.
  • FFIN's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.23.
  • A Price/Forward Earnings ratio of 14.33 indicates a correct valuation of FFIN.
  • 75.33% 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 23.28, FFIN is valued a bit cheaper.
Industry RankSector Rank
PE 16.36
Fwd PE 14.33
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

  • 62.73% of the companies in the same industry are cheaper than FFIN, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 14.5
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)1.16
PEG (5Y)3.63
EPS Next 2Y10.11%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. FFIN Dividend Analysis

5.1 Amount

  • FFIN has a Yearly Dividend Yield of 2.65%.
  • FFIN's Dividend Yield is comparable with the industry average which is at 2.80.
  • Compared to an average S&P500 Dividend Yield of 1.89, FFIN pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.65%

5.2 History

  • The dividend of FFIN is nicely growing with an annual growth rate of 7.78%!
  • 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)7.78%
Div Incr Years14
Div Non Decr Years25
FFIN Yearly Dividends per shareFFIN Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • FFIN pays out 41.80% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of FFIN is growing, but earnings are growing more, so the dividend growth is sustainable.
DP41.8%
EPS Next 2Y10.11%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M
FFIN Dividend Payout.FFIN Dividend Payout, showing the Payout Ratio.FFIN Dividend Payout.PayoutRetained Earnings

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FFIN Fundamentals: All Metrics, Ratios and Statistics

FIRST FINL BANKSHARES INC

NASDAQ:FFIN (3/20/2026, 8:00:00 PM)

After market: 28.95 0 (0%)

28.95

+0.3 (+1.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-16
Inst Owners67.8%
Inst Owner Change26.48%
Ins Owners3.85%
Ins Owner Change1.45%
Market Cap4.15B
Revenue(TTM)631.60M
Net Income(TTM)253.58M
Analysts74.55
Price Target37.13 (28.26%)
Short Float %5.67%
Short Ratio9.18
Dividend
Industry RankSector Rank
Dividend Yield 2.65%
Yearly Dividend0.74
Dividend Growth(5Y)7.78%
DP41.8%
Div Incr Years14
Div Non Decr Years25
Ex-Date03-13
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-10.09%
Min EPS beat(2)-24.78%
Max EPS beat(2)4.6%
EPS beat(4)2
Avg EPS beat(4)-4.26%
Min EPS beat(4)-24.78%
Max EPS beat(4)4.6%
EPS beat(8)5
Avg EPS beat(8)-0.94%
EPS beat(12)5
Avg EPS beat(12)-2.35%
EPS beat(16)7
Avg EPS beat(16)-1.71%
Revenue beat(2)0
Avg Revenue beat(2)-5.99%
Min Revenue beat(2)-9.44%
Max Revenue beat(2)-2.54%
Revenue beat(4)0
Avg Revenue beat(4)-4.03%
Min Revenue beat(4)-9.44%
Max Revenue beat(4)-1.83%
Revenue beat(8)0
Avg Revenue beat(8)-3.07%
Revenue beat(12)0
Avg Revenue beat(12)-4.03%
Revenue beat(16)0
Avg Revenue beat(16)-3.87%
PT rev (1m)-0.95%
PT rev (3m)1.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.19%
EPS NY rev (1m)-0.01%
EPS NY rev (3m)1.79%
Revenue NQ rev (1m)0.09%
Revenue NQ rev (3m)1.18%
Revenue NY rev (1m)0.23%
Revenue NY rev (3m)1.5%
Valuation
Industry RankSector Rank
PE 16.36
Fwd PE 14.33
P/S 6.57
P/FCF 14.5
P/OCF 13.85
P/B 2.16
P/tB 3.21
EV/EBITDA N/A
EPS(TTM)1.77
EY6.11%
EPS(NY)2.02
Fwd EY6.98%
FCF(TTM)2
FCFY6.9%
OCF(TTM)2.09
OCFY7.22%
SpS4.41
BVpS13.39
TBVpS9.01
PEG (NY)1.16
PEG (5Y)3.63
Graham Number23.09
Profitability
Industry RankSector Rank
ROA 1.64%
ROE 13.23%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 40.15%
GM N/A
FCFM 45.28%
ROA(3y)1.59%
ROA(5y)1.66%
ROE(3y)13.47%
ROE(5y)14.38%
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-3%
PM growth 5Y-0.54%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.3
Debt/EBITDA N/A
Cap/Depr 98.45%
Cap/Sales 2.13%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 112.79%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC12.62%
ROIC/WACCN/A
Cap/Depr(3y)120.04%
Cap/Depr(5y)126.03%
Cap/Sales(3y)2.89%
Cap/Sales(5y)3.08%
Profit Quality(3y)126.11%
Profit Quality(5y)131.29%
High Growth Momentum
Growth
EPS 1Y (TTM)13.46%
EPS 3Y2.78%
EPS 5Y4.5%
EPS Q2Q%18.6%
EPS Next Y14.14%
EPS Next 2Y10.11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)14.68%
Revenue growth 3Y5.81%
Revenue growth 5Y5.22%
Sales Q2Q%11.98%
Revenue Next Year8.34%
Revenue Next 2Y7.47%
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-2.36%
FCF growth 3Y-2.45%
FCF growth 5Y8.05%
OCF growth 1Y-3.29%
OCF growth 3Y-2.58%
OCF growth 5Y7.28%

FIRST FINL BANKSHARES INC / FFIN Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for FIRST FINL BANKSHARES INC?

ChartMill assigns a fundamental rating of 4 / 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 14.14% in the next year.


Is the dividend of FIRST FINL BANKSHARES INC sustainable?

The dividend rating of FIRST FINL BANKSHARES INC (FFIN) is 7 / 10 and the dividend payout ratio is 41.8%.