Stock FFIN FIRST FINANCIAL BANKSHARES, INC.
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Financials First Financial Bankshares, Inc.

Equities

FFIN

US32020R1095

Banks

Market Closed - Nasdaq
Other stock markets
 04:00:00 2024-04-26 pm EDT 		5-day change 1st Jan Change
30.36 USD -0.16% Intraday chart for First Financial Bankshares, Inc. +1.17% +0.20%
Apr. 23 Transcript : First Financial Bankshares, Inc. - Shareholder/Analyst Call
Apr. 22 Truist Trims Price Target on First Financial Bankshares to $32 From $34, Keeps Hold Rating MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 4,736 5,107 7,196 4,875 4,296 4,306 -
Enterprise Value (EV) 1 4,736 5,107 7,196 4,875 4,296 4,306 4,306
P/E ratio 29 x 25.5 x 32 x 21 x 21.8 x 20.6 x 19.6 x
Yield 1.34% 1.41% 1.14% 1.92% 2.34% 2.44% 2.54%
Capitalization / Revenue 11.9 x 10.2 x 14.1 x 9.06 x 8.53 x 7.98 x 7.48 x
EV / Revenue 11.9 x 10.2 x 14.1 x 9.06 x 8.53 x 7.98 x 7.48 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 3.89 x 3.07 x 4.12 x 3.88 x 2.89 x 2.74 x 2.51 x
Nbr of stocks (in thousands) 134,916 141,179 141,535 141,709 141,783 141,822 -
Reference price 2 35.10 36.18 50.84 34.40 30.30 30.36 30.36
Announcement Date 1/23/20 1/28/21 1/27/22 1/19/23 1/25/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 397.5 501.1 511.3 538 503.4 539.4 575.5
EBITDA - - - - - - -
EBIT 1 207.8 278 270.8 298.3 265.5 278.4 302.2
Operating Margin 52.27% 55.48% 52.97% 55.44% 52.74% 51.61% 52.51%
Earnings before Tax (EBT) 1 198 242.4 272 280.9 243.3 260.2 275.4
Net income 1 164.8 202 227.6 234.5 199 211.4 221.9
Net margin 41.46% 40.32% 44.5% 43.58% 39.53% 39.18% 38.55%
EPS 2 1.210 1.420 1.590 1.640 1.390 1.474 1.550
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 0.4700 0.5100 0.5800 0.6600 0.7100 0.7420 0.7720
Announcement Date 1/23/20 1/28/21 1/27/22 1/19/23 1/25/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 137.2 129.6 129.2 137.8 134 130.5 124.3 128.8 125 122.1 129.6 133.3 135.9 138 137.9
EBITDA - - - - - - - - - - - - - - -
EBIT 1 74.24 68.04 71.1 79.46 74.53 74.78 67.04 68.2 62.68 58.66 65.68 68.09 69.87 71.32 69.73
Operating Margin 54.13% 52.5% 55.02% 57.67% 55.63% 57.29% 53.93% 52.97% 50.13% 48.03% 50.67% 51.08% 51.42% 51.67% 50.55%
Earnings before Tax (EBT) 1 70.57 65.98 66.31 72.42 71.44 70.71 64.26 62.63 60.4 56.01 64.88 64.47 65.09 65.95 63.45
Net income 1 58.93 55.34 55.97 60.49 59.34 58.67 52.57 50.87 49.56 45.98 53.4 51.96 52.44 53.12 51.95
Net margin 42.96% 42.7% 43.32% 43.9% 44.29% 44.94% 42.29% 39.51% 39.63% 37.65% 41.19% 38.98% 38.59% 38.48% 37.67%
EPS 2 0.4100 0.3900 0.3900 0.4200 0.4100 0.4100 0.3700 0.3600 0.3500 0.3200 0.2800 0.3620 0.3660 0.3700 0.3675
Dividend per Share 2 0.1500 0.1500 0.1500 0.1700 0.1700 0.1700 0.1700 0.1800 0.1800 0.1800 0.1800 0.1860 0.1880 0.1880 0.1950
Announcement Date 10/21/21 1/27/22 4/21/22 7/21/22 10/20/22 1/19/23 4/20/23 7/20/23 10/19/23 1/25/24 4/18/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 14.4% 12.9% 13.3% 16.7% 15% 13.8% 13.3%
ROA (Net income/ Total Assets) 2.08% 1.98% 1.89% 1.76% 1.55% 1.59% 1.62%
Assets 1 7,924 10,204 12,040 13,322 12,837 13,293 13,714
Book Value Per Share 2 9.030 11.80 12.30 8.870 10.50 11.10 12.10
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/23/20 1/28/21 1/27/22 1/19/23 1/25/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for First Financial Bankshares, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
C
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
5
Last Close Price
30.36 USD
Average target price
31.4 USD
Spread / Average Target
+3.43%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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