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FIRST FINL BANKSHARES INC (FFIN) Stock Fundamental Analysis

USA - NASDAQ:FFIN - US32020R1095 - Common Stock

31.12 USD
-0.73 (-2.29%)
Last: 10/24/2025, 8:23:56 PM
31.12 USD
0 (0%)
After Hours: 10/24/2025, 8:23:56 PM
Fundamental Rating

5

Taking everything into account, FFIN scores 5 out of 10 in our fundamental rating. FFIN was compared to 391 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

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

1.2 Ratios

With an excellent Return On Assets value of 1.71%, FFIN belongs to the best of the industry, outperforming 93.61% 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 91.82% 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

Looking at the Profit Margin, with a value of 41.48%, FFIN belongs to the top of the industry, outperforming 96.16% of the companies in the same industry.
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) 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.
The number of shares outstanding for FFIN has been increased compared to 5 years ago.
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 0.24, 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 84.65% 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.
The Debt to Equity ratio of FFIN (0.04) is better than 82.10% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.24
Altman-Z N/A
ROIC/WACCN/A
WACC11.66%
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.
The Earnings Per Share has been growing slightly by 5.13% on average over the past years.
The Revenue has grown by 17.07% 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 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

The Earnings Per Share is expected to grow by 11.11% on average over the next years. This is quite good.
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.
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 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

FFIN is valuated rather expensively with a Price/Earnings ratio of 18.09.
78.26% 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 26.91, FFIN is valued a bit cheaper.
A Price/Forward Earnings ratio of 15.85 indicates a correct valuation of FFIN.
75.70% of the companies in the same industry are cheaper than FFIN, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.92. FFIN is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 18.09
Fwd PE 15.85
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

61.89% of the companies in the same industry are cheaper than FFIN, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 15.32
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.89
PEG (5Y)3.53
EPS Next 2Y12.19%
EPS Next 3Y11.11%

5

5. Dividend

5.1 Amount

FFIN has a Yearly Dividend Yield of 2.39%.
Compared to an average industry Dividend Yield of 3.53, FFIN is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.32, 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 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

41.92% of the earnings are spent on dividend by FFIN. This is a bit on the high side, but may be sustainable.
FFIN's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept 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 (10/24/2025, 8:23:56 PM)

After market: 31.12 0 (0%)

31.12

-0.73 (-2.29%)

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-0.01%
Ins Owners3.84%
Ins Owner Change1.97%
Market Cap4.45B
Revenue(TTM)592.19M
Net Income(TTM)245.63M
Analysts50
Price Target39.78 (27.83%)
Short Float %5.34%
Short Ratio13.99
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)2.45%
EPS NY rev (1m)0%
EPS NY rev (3m)2.47%
Revenue NQ rev (1m)-0.2%
Revenue NQ rev (3m)1.06%
Revenue NY rev (1m)-0.21%
Revenue NY rev (3m)0.85%
Valuation
Industry RankSector Rank
PE 18.09
Fwd PE 15.85
P/S 7.52
P/FCF 15.32
P/OCF 14.68
P/B 2.56
P/tB 4.01
EV/EBITDA N/A
EPS(TTM)1.72
EY5.53%
EPS(NY)1.96
Fwd EY6.31%
FCF(TTM)2.03
FCFY6.53%
OCF(TTM)2.12
OCFY6.81%
SpS4.14
BVpS12.14
TBVpS7.76
PEG (NY)0.89
PEG (5Y)3.53
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
WACC11.66%
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.