FFIN
First Financial Bankshares, Inc.
Financial Services · Banks - Regional · NMS
$32.47
Close 2026-05-28
✗ ETHICAL FAIL

UNKNOWN MOAT
HIGH
Data Confidence: 100%
Full financial profile available
Market Cap
$4.7B
Trailing P/E
17.65
Forward P/E
15.19
Rev Growth
+13.1%
Profit Margin
42.4%
ROE
14.6%
Analyst Target
$34.00
Recommendation
NONE
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.

Ethical Screen
Business ActivityFAIL
Debt RatioN/A
Cash RatioN/A
Receivables RatioN/A
Revenue RatioN/A
OverallFAIL
Score Ethical: 50.0
Score Valuation: 61.0
Score Quality: 72.2
Score Combined: 53.8

Full Analysis

Opportunity scores, earnings history, insider transactions, institutional holders, analyst consensus, and more.

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Opportunity Scores
Valuation100.0
Quality84.8
Cash Flow50.0
Moat40.0
Balance Sheet50.0
Debt Purity50.0
Liquid Purity50.0
Rev Purity50.0
Compliance100.0
Tier: SILVER · Score: 55.1 · Rank: #855
Insider Transactions
No insider transaction data.
Top Institutional Holders
No institutional holder data.
Additional Fundamentals
Enterprise Value
$4.4B
Price/Book
2.39
Beta
0.843
Analysts
4
Total Revenue (TTM)
$622.1M
Total Debt
$90.3M
Earnings Growth
+16.4%
Dividend Yield
271.0%
Short Ratio
11.39
Short % Float
0.1%
Employees
1,500

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Trade Consideration
The Opportunity
Score 53.8 (P82 — top 17.9% of scored tickers). Unknown Moat. Ethical FAIL. 4 analysts at None.
Price: $32.47 | Target: $33.75 (+4%)
Score
54
Moat
Unknown
Conviction
Standard
Upside
+4%
The Fundamentals
Revenue Growth+13.1%
Profit Margin42.4%
ROE14.6%
Forward P/E15.2
Market Cap$4.7B
Position Sizing Scenarios
Stop: $27.60 (-15%) | Entry: $32.47
SharesCostProfit to TargetR:R
To Consensus ($33.75, 4 analysts)
10$324.70+$12.80 (4%)0.3R
50$1,623.50+$64.00 (4%)0.3R
100$3,247.00+$128.00 (4%)0.3R
Risk Factors
  • Elevated short interest (11.39 days to cover)
The Verdict
First Financial Bankshares, Inc. holds a unknown competitive moat.
Quantitative Grade

A single score combining all analytical layers below. A is strongest, D is weakest.

C
Quant Score
48.6
Risk Grade
LOW_RISK
Layers
7
Quality: HMM_CRISIS
Risk Profile

How much could this ticker lose on a bad day? These metrics measure worst-case scenarios from historical data.

VaR 95%
-2.6%
worst expected daily loss, 19 in 20 days
CVaR 95%
-4.0%
avg loss on the worst 5% of days
Annual Volatility
Sortino Ratio
0.40
above 1.0 is good
Max Drawdown
-31.4%
Worst Day
Forward Outlook

Based on 10,000 simulated price paths, here is the probability of where this ticker could be in 30, 60, and 90 days.

30d Prob Up
90d Prob Up
Median Return 30d
Liquidity Score
80
Liquidity Grade
HIGHLY LIQUID
Trend & Momentum

What direction is this ticker actually moving, filtered through noise? Is it speeding up or slowing down?

Kalman Trend
Trend Strength
Momentum Signal
HMM Regime
RSI Signal
Technical Signals

Classic chart signals that institutional traders monitor. Golden Cross is bullish, Death Cross is bearish.

MA Crossover
BELOW_200
Bollinger Position
NEAR_UPPER
Beta
Relative Volume
0.9x
Short Interest
Financial Health

Is this company financially sound? The Z-Score measures bankruptcy risk. The F-Score measures fundamental strength.

Altman Z-Score
below 1.81 = distress zone
Piotroski F-Score
Earnings Beat Rate
Earnings Consistency
Correlations

These tickers tend to move together (positive) or in opposite directions (negative). Useful for portfolio diversification.

Most Correlated
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Inverse Correlated
TickerCorrelation
SUKOON.AE-0.174
CINECO.BH-0.172
4385.T-0.163
4083.SR-0.145
4325.SR-0.141
Seasonality

Does this ticker have consistent patterns on certain days or months? Historical tendencies, not guarantees.

Best Day
Tuesday
Worst Day
Friday
Best Month
Jul
Worst Month
Dec
Fri-Mon Effect
-0.2018159609943154
Momentum Rankings

How does this ticker's recent performance compare to the entire universe? Ranked across 1, 3, 6, and 12-month returns.

1M Return
+0.1%
3M Return
-1.6%
6M Return
+7.0%
12M Return
-5.2%
Momentum Rank
#2651
Momentum Signal
FLAT

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