First Financial Bankshares, Inc. (FFIN)
Valor JustoFundamental
55
Preço
$32.22
Capitalização de Mercado
$4.55B
Parte 1 · Quanto vale a empresa
Visão Geral
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 setembro 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.
Balanço & Liquidez
Receita
$666M
Últimos 12 meses (até 30/06/2026)
Resultado Líquido
$269M
Últimos 12 meses (até 30/06/2026)
Fluxo de Caixa Livre
$286M
Capital Próprio Total
$1.92B
Passivo Total
$13.53B
Rácio de Liquidez
-
Cobertura de Juros
0.62
Dívida/EBITDA
-
Resultados Por Ação
Receita & Resultado Líquido
Fluxo de Caixa Livre
Decomposição dos Resultados
Demonstração histórica
Margens ao longo do tempo
A dívida ao longo do tempo
Grelha do crescimento
Crescimento — Receitas
Estimativa de Valor Justo
Valor Justo
$27.98
Preço Atual
$32.22
Margem de Segurança
-15.1%
Intervalo de Valor Justo
$21.40 - $34.57
Dispersão entre os métodos de avaliação utilizados, não um intervalo de confiança calibrado estatisticamente.
Métodos de Estimativa
Métricas de Avaliação
Rácio P/E
16.98
ROE
13.2%
Rácio P/B
2.28
P/FCF
13.99
Margem Bruta
-
ROIC
-
Radar de Rentabilidade
Criação de Valor (Vantagem Competitiva)
ROIC
-
WACC
9.0%
ROIC − WACC
-
Critérios de Análise Fundamental
Aprovado (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
Reprovado (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%
Indisponível (5)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
Piotroski F-Score
Saúde financeira sólida
Qualidade dos Resultados
Alta qualidade: resultados respaldados por caixa
Diluição de Ações
A recomprar ações. Favorável ao acionista
Participações institucionais
Governação
Equipa Executiva
| Nome | Cargo | Idade |
|---|---|---|
| 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 | - |
Risco de Auditoria
4
Risco do Conselho
4
Risco de Remuneração
2
Risco dos Direitos dos Acionistas
3
Parte 2 · O preço e o momento de entrar
Esta parte não serve para saber se a empresa vale: serve para escolher quando comprá-la, depois que os fundamentos te convenceram. Dentro: análise técnica, potencial, quedas históricas, exposição gama.
Documentos
- Ver documento
Relatório anual (10-K)
Uma visão anual do negócio, dos resultados financeiros e dos riscos da empresa.
Arquivado em 2026-02-25
- Ver documento
Relatório trimestral (10-Q)
Uma atualização sobre o desempenho financeiro dos últimos três meses.
Arquivado em 2026-08-04
- Ver documento
Relatório de fato relevante (8-K)
Um aviso sobre um fato relevante, como uma mudança na liderança ou um grande anúncio.
Arquivado em 2026-07-31
via SEC EDGAR
Histórico de Resultados
via SEC EDGAR
Latest News
Recent headlines for FFIN, sourced from Markets Gazette.