First Financial Bankshares, Inc. (FFIN)
Valor JustoFundamental
55
Precio
$32.22
Capitalización Bursátil
$4.55B
Parte 1 · Cuánto vale la empresa
Resumen
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.
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Direct competitors
Who this company fights with for the same customers
Generated on 18 de septiembre de 2026 with claude-haiku-4-5 — shared with all users
Another Texas-only multi-market community banking group competing for the same small-business and consumer accounts in secondary Texas cities rather than in the big-city corporate market.
Competes for Texas business deposits and commercial credit in the Dallas/Fort Worth, Houston and Austin markets where First Financial has been expanding.
Both run a community-bank model built on branch deposits and relationship lending to small businesses and households across the same Texas markets, from Houston and Bryan/College Station to West Texas.
Frost competes for the same Texas commercial deposits and middle-market loans, and its trust and wealth-management arm goes after the same clients as First Financial Trust & Asset Management.
A Texas bank of comparable size whose branches in East Texas, Dallas/Fort Worth and Houston overlap directly with First Financial's regions for retail deposits and local commercial real-estate lending.
Balance y Liquidez
Ingresos
$666M
Últimos 12 meses (hasta 30/6/2026)
Beneficio Neto
$269M
Últimos 12 meses (hasta 30/6/2026)
Flujo de Caja Libre
$286M
Patrimonio Neto Total
$1.92B
Pasivo Total
$13.53B
Ratio de Liquidez
-
Cobertura de Intereses
0.62
Deuda/EBITDA
-
Beneficio Por Acción
Ingresos y Beneficio Neto
Flujo de Caja Libre
Desglose de Ingresos
Estado histórico
Márgenes en el tiempo
La deuda en el tiempo
Cuadro de crecimiento
Crecimiento — Ingresos
Estimación de Valor Justo
Valor Justo
$27.98
Precio Actual
$32.22
Margen de Seguridad
-15.1%
Rango de Valor Justo
$21.40 - $34.57
Dispersión entre los métodos de valoración utilizados, no un intervalo de confianza calibrado estadísticamente.
Métodos de Estimación
Métricas de Valoración
Ratio P/E
16.98
ROE
13.2%
Ratio P/B
2.28
P/FCF
13.99
Margen Bruto
-
ROIC
-
Radar de Rentabilidad
Creación de Valor (Ventaja Competitiva)
ROIC
-
WACC
9.0%
ROIC − WACC
-
Criterios de Análisis Fundamental
Superado (12)
- P/FCF 13.99
- P/B Ratio 2.28
- Operating Margin 49.3%
- Positive Free Cash Flow
- CapEx intensity
- Low reliance on intangibles
- ROE 14.3%
- Revenue Growth 5Y 12.0%
- Analyst Consensus 50% Buy
- Earnings Quality (OCF/NI) 1.29
- Share Dilution -0.0%
- Piotroski F-Score 7/9
Fallido (11)
- EPS shows upward trend
- EPS CAGR -2.12%
- Price CAGR 3.51%
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- Price below Graham Number
- DCF valuation (Overvalued)
- Earnings Surprise avg -4.7%
- PEG Ratio 3.63
- Net Margin Trend 40.4% vs 41.5%
No disponible (5)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
Piotroski F-Score
Solidez financiera fuerte
Calidad de los Beneficios
Alta calidad: beneficios respaldados por efectivo
Dilución de Acciones
Recomprando acciones. Favorable para el accionista
Participaciones institucionales
Gobernanza
Equipo Directivo
| Nombre | Cargo | Edad |
|---|---|---|
| Mr. F. Scott Dueser | Executive Chairman | 72 |
| Mr. David W. Bailey | CEO & President | 41 |
| Ms. Michelle S. Hickox CPA | Executive VP, CFO, Secretary & Treasurer | 57 |
| Mr. Ronald D. Butler II | Executive VP & Chief Administrative Officer | 64 |
| Mr. Timothy Luke Longhofer | Executive VP & Chief Credit Officer | 42 |
| Mr. Timothy Brown | Executive VP & Chief Information Officer | 59 |
| Mr. J. Kyle McVey C.P.A. | Executive VP, Chief Accounting Officer & Investor Relations Director | 38 |
| Mr. Mike Parker | Executive VP & Chief Compliance Officer | - |
| Mr. Brian D. Goodrich | Executive VP & General Counsel | 52 |
| Ms. Violet Watson Griggs | Senior Vice President of Marketing | - |
Riesgo de Auditoría
4
Riesgo del Consejo
4
Riesgo de Compensación
2
Riesgo de Derechos del Accionista
3
Parte 2 · El precio y el momento de entrar
Esta parte no sirve para saber si la empresa vale: sirve para elegir cuándo comprarla, una vez que los fundamentales te han convencido. Dentro: análisis técnico, potencial, caídas históricas, exposición gamma.
Documentos
- Ver documento
Informe anual (10-K)
Un resumen anual del negocio, los resultados financieros y los riesgos de la empresa.
Presentado el 2026-02-25
- Ver documento
Informe trimestral (10-Q)
Una actualización del desempeño financiero de los últimos tres meses.
Presentado el 2026-08-04
- Ver documento
Informe de hecho relevante (8-K)
Un aviso sobre un hecho relevante, como un cambio de dirección o un anuncio importante.
Presentado el 2026-07-31
via SEC EDGAR
Historial de Resultados
via SEC EDGAR
Latest News
Recent headlines for FFIN, sourced from Markets Gazette.