FFIN | Ticker Profile - Titan Protect

FFIN

First Financial Bankshares, Inc.

Financial Services · Banks - Regional · NMS

$32.48

Data: 2026-05-28

✗ ETHICAL FAIL

Unknown MOAT

HIGH

Data Confidence: 100.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$4.7B

Total market value of the company

Trailing P/E

17.65

Reasonably valued

Forward P/E

15.19

Based on estimated future earnings — lower means cheaper

Rev Growth

+13.1%

Year-over-year revenue change

Profit Margin

42.4%

How much profit the company keeps from each dollar of revenue

ROE

14.6%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$34.00

+5% from current price — median analyst estimate

Recommendation

NONE

Consensus view from 4 analysts covering this stock

About First Financial Bankshares, Inc.

First Financial Bankshares, Inc., through its subsidiaries, provides banking services in the United States. The company offers general commercial banking services, including checking, savings and time deposits, loans, automated teller machines, drive-in and night deposit services, safe deposit facilities, remote deposit capture, internet banking, mobile banking, payroll cards, funds transfer, and other customary commercial banking service, as well as securities brokerage services. It also provides personal trust services, such as wealth management; administration of estates, oil and gas management; farm and ranch; property management; testamentary trusts; revocable and irrevocable trusts; and agency accounts. In addition, the company offers commercial and industrial; municipal; agricultural; construction and development; farm; residential; consumer auto and non-auto; and non-owner occupied and owner occupied commercial real estate loans. Further, it provides advice and specialized services related to lending, investing, purchasing, advertising, public relations, and technology services. First Financial Bankshares, Inc. was founded in 1890 and is headquartered in Abilene, Texas.

https://www.ffin.com

Country: United States Employees: 1,500 Industry: Banks - Regional

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% N/A

Debt must be below 33% of total assets

Cash Ratio

0.0% N/A

Interest-bearing cash below 33% of assets

Receivables

0.0% N/A

Receivables below 49% of assets

Revenue Purity

0.0% N/A

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

MARKDOWN

Price trending down — defensive positioning

Sharpe Ratio

0.409

Positive but modest risk-adjusted returns

Kelly Fraction

0.0249

Modest edge detected — smaller position warranted

Calmar Ratio

0.255

Drawdown risk outweighs the returns — higher risk profile

Annual Return

8.0%

Historical annualised return based on price data

Max Drawdown

-31.4%

Largest peak-to-trough decline — the worst it has been

HMM State

CRISIS

Elevated risk detected — extreme caution warranted

Days in State

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

0.84

Less volatile than the market — more defensive

52W High

$38.74

16% below the year high

52W Low

$28.12

16% above the year low

Avg Volume

771,111

Average daily shares traded — higher means easier to buy and sell

Short Ratio

11.4

Days it would take all short sellers to cover — higher means more crowded

Short % Float

7.7%

Moderate short interest

Div Yield

271.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$1.84

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

0.0%

Revenue left after cost of goods — higher means pricing power

Operating Margin

57.1%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$622M

Total revenue over the last 12 months

Net Income

$264M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$34.00

Target Median

$34.00

Target Low

$33.00

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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