profit from every $100 of sales.
$0$100
First Financial Bankshares
$30.28+0.07% today
-2.2% in 1 year
1-year low $28.591-year high $36.50
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $17.09 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What First Financial Bankshares sold, what it kept, and what it did with the cash.
Sales went from $520 million in 2022 to $617 million in 2025, with $254 million of profit last year.
SalesProfit
First Financial Bankshares handed back 37% of the cash it generated last year.
$106M
Free cash flow 2025$286M
Bought back its own shares$0
Paid as dividends$106M
Cash vs. debt$1.1B vs. $21M
First Financial Bankshares vs. similar companies
First Financial Bankshares grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| First Financial Bankshares | 17.1× · Fair price | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads First Financial Bankshares's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 520 | 478 | 537 | 617 | |
| – | – | – | – | |
| – | – | – | – | |
| 325 | 400 | – | – | |
| 234 | 199 | 224 | 254 | |
| 1.64 | 1.39 | 1.56 | 1.77 | |
| – | – | – | – | |
| – | – | – | – | |
| 45.1% | 41.6% | 41.6% | 41.1% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 12,974 | 13,106 | 13,979 | 15,446 |
| Cash | 331 | 537 | 763 | 1,076 |
| Total debt | 21 | 21 | 121 | 21 |
| Total liabilities | 11,708 | 11,607 | 12,373 | 13,529 |
| 1,266 | 1,499 | 1,607 | 1,917 | |
| 143 | 143 | 143 | 143 | |
| 19.2% | 20.1% | – | – | |
| 18.5% | 13.3% | 13.9% | 13.2% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 324 | 285 | 310 | 299 | |
| 16 | 17 | 17 | 13 | |
| 308 | 268 | 293 | 286 | |
| Dividends paid | 91 | 100 | 103 | 106 |
| 9 | 3 | 0 | 0 | |
| 4 | 4 | 5 | 7 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 17.1×
- 14.9×
- 6.64
- 2.3×
- 7.0×
- 5.8%
- 2.4%
Profitability
- 41.1%
- 12.5%
- 11.5%
- 14.2%
- 1.7%
Growth
- +5.9%
- +2.6%
- +8.0%
- +0.1%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 17%of 852
Top 21%of 733
Bottom 35%of 863
Bottom 41%of 860
Top 47%of 920
What analysts expect
- Average price target
- $39.25
- Range
- $39.00 – $40.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 16, 2026 | 0.50 | 0.47 | +6.4% |
| Jan 22, 2026 | 0.51 | 0.48 | +6.3% |
| Oct 23, 2025 | 0.36 | 0.43 | −15.9% |
| Jul 17, 2025 | 0.47 | 0.45 | +4.4% |
| Apr 17, 2025 | 0.43 | 0.43 | +0.6% |
| Jan 23, 2025 | 0.43 | 0.40 | +7.5% |
| Oct 17, 2024 | 0.39 | 0.39 | +0.0% |
| Jul 18, 2024 | 0.37 | 0.36 | +2.8% |
2.4%of the share price, paid each year
On $1,000 invested$24a year at today's yield, before tax
+8.0%2020 to 2025
Raised10 yearsin a row, in our data
Paid per share, each year
$0.31 in 2015 → $0.75 in 2025
How safe it looks
41.8% of its profit
Room to growStretchedMore than it earns: 37.1%
News
Budget airlines are going upscale with first-class seats and faster wifiMarketWatch · Nov 13, 2026I am turning 18 next month and want to start investing. What do I do first?MarketWatch · Nov 13, 2026Trump administration is hiring debt collectors to go after defaulted student-loan borrowers for first time in 6 yearsMarketWatch · Nov 13, 2026Better U.S. Bank ETF: State Street's KBE vs. First Trust's FTXOYahoo Finance · Nov 13, 2026I’m 17 and will be a first-generation college student. Is law school worth being $200,000 in debt?MarketWatch · Nov 12, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
4/7Passes 4 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
62Pass
Benjamin Graham
57No pass
Philip Fisher
67Pass
Peter Lynch
26No pass
Joel Greenblatt
24No pass
Charlie Munger
66Pass
Terry Smith
61Pass
Questions about First Financial Bankshares
Is First Financial Bankshares a good stock to buy?
A strong, very profitable business at a fair price. 4 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the First Financial Bankshares AI analysis
What does First Financial Bankshares do?
First Financial Bankshares, Inc., through its subsidiaries, provides commercial banking products and services in Texas. It is in Banks - Regional, based in Abilene, TX, United States, with 1,500 employees.
Does First Financial Bankshares pay a dividend?
Yes. At today's price the dividend is 2.4% a year, about 42% of its yearly profit. In 2025 it paid out $106 million in dividends.
Is First Financial Bankshares stock halal?
No. First Financial Bankshares does not pass our halal screen: its main business, banking, is not permitted. How we check
How has First Financial Bankshares stock done over the past year?
Down 2.2% over the past twelve months, to $30.28. It traded between $28.59 and $36.50 and is 17.0% below its high.
Who are First Financial Bankshares's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with First Financial Bankshares's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.