32.75 USD
-0.95 (-2.82%)
32.75 USD
0 (0%)
FFIN gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. FFIN has an average financial health and profitability rating. FFIN is valued expensive and it does not seem to be growing.
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.
- Of the past 5 years FFIN 4 years were profitable.
- Of the past 5 years FFIN 4 years had a positive operating cash flow.
1.2 Ratios
- FFIN's Return On Assets of 1.63% is amongst the best of the industry. FFIN outperforms 91.91% of its industry peers.
- With an excellent Return On Equity value of 13.25%, FFIN belongs to the best of the industry, outperforming 88.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.63% | ||
| ROE | 13.25% | ||
| 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 better Profit Margin (39.51%) than 94.78% 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) | 39.51% | ||
| 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.
- FFIN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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.
- Looking at the Debt to FCF ratio, with a value of 0.24, FFIN belongs to the top of the industry, outperforming 85.64% 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 has a Debt to Equity ratio of 0.04. This is amongst the best in the industry. FFIN outperforms 83.03% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.24 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.74%
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 nice 13.46% over the past year.
- The Earnings Per Share has been growing slightly by 4.50% on average over the past years.
EPS 1Y (TTM)13.46%
EPS 3Y2.78%
EPS 5Y4.5%
EPS Q2Q%18.6%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%14.51%
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 9.33% yearly.
- FFIN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.50% yearly.
EPS Next Y12.13%
EPS Next 2Y9.33%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.75%
Revenue Next 2Y6.5%
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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 18.50, the valuation of FFIN can be described as rather expensive.
- 79.11% of the companies in the same industry are cheaper than FFIN, based on the Price/Earnings ratio.
- When comparing the Price/Earnings ratio of FFIN to the average of the S&P500 Index (27.21), we can say FFIN is valued slightly cheaper.
- With a Price/Forward Earnings ratio of 16.50, FFIN is valued correctly.
- FFIN's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. FFIN is more expensive than 74.93% of the companies in the same industry.
- FFIN is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.26, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.5 | ||
| Fwd PE | 16.5 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, FFIN is valued a bit more expensive than 65.54% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.8 | ||
| EV/EBITDA | N/A |
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)1.53
PEG (5Y)4.11
EPS Next 2Y9.33%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- FFIN has a Yearly Dividend Yield of 2.25%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.84, FFIN is paying slightly less dividend.
- FFIN's Dividend Yield is a higher than the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.25% |
5.2 History
- The dividend of FFIN is nicely growing with an annual growth rate of 9.74%!
- 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
5.3 Sustainability
- FFIN pays out 43.07% of its income as dividend. This is a bit on the high side, but may be sustainable.
- FFIN's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP43.07%
EPS Next 2Y9.33%
EPS Next 3YN/A
FIRST FINL BANKSHARES INC / FFIN 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 4 / 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 12.13% in the next year.
Is the dividend of FIRST FINL BANKSHARES INC sustainable?
The dividend rating of FIRST FINL BANKSHARES INC (FFIN) is 5 / 10 and the dividend payout ratio is 43.07%.