Obermatt

First Financial Bankshares

NSQ:FFIN · US32020R1095
BanksSmall

360

63
Profit price15
Cash yield55
Price/Sales1
EV / Gross Profit24
Price/Book3
Returns on capital
Profit margins
Cash Conversion65
Accruals5
Sales growth28
Profit growth83
Reinvestment74
Price momentum1
Debt load56
Debt serviceability12
Liquidity100
Analyst ratings1
Opinion Changes50
Price Target Upside28
Market mood95
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

First Financial Bankshares clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 1/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded1956
Websiteffin.com
ISINUS32020R1095
Last UpdateApr 2, 2026
Themes
BankingCreditFinancial Services

Description

First Financial Bankshares, Inc., through its subsidiaries, provides banking services in the United States. The company is a financial holding company registered under the Bank Holding Company Act of 1956, as amended, or BHCA. As such, the company i…

Analysis

Beloved champion

First Financial Bankshares, Inc. sits in the top corner of our grid: excellent business, premium price; every investor already knows the story.

Valuation data is not available for this company.

Growth is solid; the safety picture is sturdy. The company scores 10/20 on our value-creation score: creating some value. Analyst sentiment is cautious.

Flags to be aware of: Some accounting patterns deserve a closer look. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
21
2023202420252026

All-time high

90

Feb 2024

All-time low

4

Feb 2026

Average rank

29

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
1
1
1
1
Price/Earnings
8
3
1
1
Price/Book
3
1
1
1
Dividend Yield
55
16
22
23
Value (overall)
1
1
1
1

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →