First Financial Bankshares, Inc. (FFIN)
合理估值基本面
55
价格
$31.61
市值
$4.55B
第一部分 · 这家公司值多少
概览
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 2026年9月18日 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.
资产负债表与流动性
营收
$666M
最近12个月（截至2026/6/30）
净利润
$269M
最近12个月（截至2026/6/30）
自由现金流
$286M
股东权益合计
$1.92B
负债合计
$13.53B
流动比率
-
利息覆盖率
0.62
债务/EBITDA
-
每股收益
营收与净利润
自由现金流
收入构成
历史财务表
利润率变化
债务变化
增长一览表
增长 — 营业收入
公允价值估算
公允价值
$27.98
当前价格
$31.61
安全边际
-13.0%
公允价值区间
$21.40 - $34.57
所用估值方法之间的离散区间，并非经过统计校准的置信区间。
估算方法
估值指标
市盈率（P/E）
16.97
ROE
13.2%
市净率（P/B）
2.28
P/FCF
13.99
毛利率
-
ROIC
-
盈利能力雷达图
价值创造（经济护城河）
ROIC
-
WACC
9.0%
ROIC − WACC
-
基本面分析标准
通过（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
未通过（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%
不可用（5）
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
Piotroski F-评分
财务状况强健
盈利质量
高质量：盈利有现金流支撑
股权稀释
正在回购股份，对股东友好
机构持股
公司治理
管理团队
| 姓名 | 职位 | 年龄 |
|---|---|---|
| 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 | - |
审计风险
4
董事会风险
4
薪酬风险
2
股东权利风险
3
第二部分 · 价格与买入时机
这一部分不判断公司是否值得拥有：它帮助你在基本面说服你之后，选择何时买入。包含：技术分析、潜力、历史回撤、Gamma 敞口。
损益历史
via SEC EDGAR
Latest News
Recent headlines for FFIN, sourced from Markets Gazette.