US stock · Financial Services sector · Banks—Regional
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First Financial Bankshares, Inc.

FFINNASDAQ

47.19

USD
+0.62
(+1.33%)
Market Closed
29.31P/E
27Forward P/E
1.41P/E to S&P500
6.727BMarket CAP
1.33%Div Yield

First Financial Bankshares, Inc.

NASDAQ:FFIN

RECENT
PRICE

47.19

P/E
RATIO

29.31

(PEG:2.31)

P/E RATIO
RELATIVE
TO S&P

1.41

DIV
YLD

1.68%

High:
Low:

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Legends

Stock price

0.89 Beta (1.0 Market)

0

0

0

0

0

0

0

0

0

-

% total return 08/22:

Stock

S&P

1y.

0

0

3y.

0

0

5y.

0

0

0

Percent shares traded:

0

0

0

2006

2007

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

2018

2019

2020

2021

TTM

Fiscal year

1.21

0.37

0.36

0.19

1.28

0.40

0.37

0.20

1.39

0.43

(0.18)

0.22

1.42

0.43

1.32

0.23

1.48

0.48

0.48

0.23

1.62

0.54

0.64

0.23

1.63

0.59

0.61

0.31

1.79

0.62

0.77

0.19

1.98

0.70

0.89

0.27

2.19

0.77

0.71

0.30

2.30

0.79

1.06

0.34

2.41

0.91

1.33

0.37

2.70

1.11

1.27

0.40

2.85

1.22

1.44

0.45

3.36

1.42

1.37

0.50

3.52

1.60

2.35

0.56

3.62

1.61

2.50

0.77

Revenue per share

Earnings per share

Free Cash Flow per sh

Dividends per share

0.06

2.42

0.07

2.69

0.09

2.96

0.05

3.33

0.09

3.53

0.12

4.04

0.13

4.42

0.09

4.62

0.14

5.32

0.13

6.20

0.15

6.35

0.11

6.98

0.13

7.79

0.06

9.05

0.12

11.82

0.14

12.39

0.08

11.07

CAPEX per share

Book Value per share

124

125

125

125

125

126

126

127

128

130

132

132

135

136

142

142

143

Comm.Shares outs.(m)

17.1

0.9

3.0%

16.8

1.0

3.0%

17.9

0.8

2.9%

19.0

0.3

2.8%

17.5

0.8

2.7%

14.9

0.9

2.9%

15.0

1.0

3.5%

21.9

1.3

1.4%

21.6

1.2

1.8%

19.8

1.0

1.9%

21.2

1.0

2.0%

23.5

1.0

1.7%

24.2

1.0

1.5%

26.0

1.1

1.4%

21.3

0.6

1.6%

29.6

1.0

1.2%

29.3

1.4

1.7%

Avg. annual P/E ratio

P/E relative to S&P500

Avg. annual div. yield

Capital Structure (30/6/22 | Q2)

Total liabilities
$11,931 m.

Total assets
$13,260 m.

Long-term debt
$768 m.

Cash and equiv.
$466 m.

Goodwill $313 m.

Retained earnings $1,052 m.

Common stock 143 m. shares

Market Capitalisation
$6,727 m. (as of 17/8/22)

203

- -

206

- -

228

- -

253

- -

284

- -

304

- -

319

- -

364

- -

387

- -

478

- -

500

- -

517

0.1%

Revenue (m)

Operating margin

7

68

8

74

9

79

9

90

11

100

12

105

13

120

13

151

12

165

13

202

13

228

13

231

Depreciation (m)

Net profit (m)

25.8%

33.6%

25.3%

36.1%

24.6%

34.6%

24.5%

35.4%

23.8%

35.4%

22.9%

34.5%

18.2%

37.7%

15.5%

41.3%

16.8%

42.6%

16.6%

42.3%

16.3%

45.6%

16.2%

44.7%

Income tax rate

Net profit margin

1,919

- -

509

2,266

- -

557

2,507

- -

588

2,864

- -

682

3,671

299

805

3,683

75

838

3,902

331

923

4,265

55

1,053

4,544

381

1,227

6,051

430

1,678

6,063

21

1,759

6,681

768

1,329

Working capital (m)

Long-term debt (m)

Equity (m)

1.9%

2.4%

13.4%

1.8%

2.3%

13.3%

1.7%

2.1%

13.4%

1.7%

2.1%

13.1%

1.6%

2.0%

12.5%

1.6%

2.1%

12.5%

1.8%

2.2%

13.0%

2.2%

2.5%

14.3%

2.3%

2.8%

13.4%

2.0%

2.4%

12.0%

1.8%

2.1%

12.9%

1.8%

2.1%

17.4%

ROIC

Return on capital

Return on equity

Working Capital

2019

2020

2021

Cash assets

3,693

4,142

3,942

Receivables

- -

- -

- -

Inventory

- -

- -

- -

Other

851

929

(1,039)

Current assets

4,544

6,051

6,063

Acc. Payable

- -

- -

- -

Debt due

- -

- -

- -

Other

- -

- -

- -

Current liab.

- -

- -

- -

57.1%

35.4%

47.8%

49.3%

68.9%

22.9%

61.4%

29.1%

61.4%

40.6%

57.1%

31.1%

59.3%

26.1%

64.2%

29.2%

63.0%

29.0%

65.2%

40.3%

65.0%

23.9%

52.4%

32.9%

Plowback ratio

Div.&Repurch. to FCF

First Financial Bankshares, Inc. (US) started trading on November 1, 1993 (cik: 0000036029), operates in the Financial Services sector (Banks—Regional industry), has 1,400 full-time employees, and is led by Mr. F. Scott Dueser. First Financial Bankshares, Inc., through its subsidiaries, provides commercial banking products and services in Texas. The company accepts checking, savings and money market accounts, and time deposits; commercial and industrial, municipal, agricultural, construction and development, farm, non-owner occupied and owner-occupied commercial real estate, residential, and consumer auto and non-auto loans to businesses, professional individuals, and farm and ranch operations. It also provides drive-in and night deposit, remote deposit capture, internet and mobile banking, payroll cards, transmitting funds, and other customary commercial banking services, as well as automated teller machines and safe deposit facilities. In addition, the company offers personal trust services, including wealth management, administration of estates, testamentary trusts, revocable and irrevocable trusts, and agency accounts; and securities brokerage services, as well as administer retirements and employee benefits accounts, such as 401(k) profit-sharing plans and IRAs. Further, the company provides asset management and technology services. As of December 31, 2021, it had 78 financial centers across Texas. First Financial Bankshares, Inc. was founded in 1890 and is headquartered in Abilene, Texas.

Annual rates

(avg rate of change)

Past
5 y.

Past
10 y.

Revenues

12.08%

10.50%

Cash flow

20.68%

20.62%

Earnings

17.44%

13.44%

Dividends

12.98%

10.36%

Book value

18.06%

14.01%

Insider trading

Type

Shares

Date

Roewe Randall Allen

Exempt

300

08/12/22

Roewe Randall Allen

Exempt

300

08/12/22

Roewe Randall Allen

Exempt

1,600

08/02/22

Roewe Randall Allen

Exempt

1,600

08/02/22

Dueser F Scott

InKind

1,569

06/26/22

Fiscal Year Ends

Quarterly Revenue (m)

Full fiscal year

I

II

III

IV

2020

106

123

125

123

478

2021

121

122

130

126

500

2022

127

133

- -

- -

- -

Fiscal Year Ends

Earnings per share

Full fiscal year

I

II

III

IV

2020

0.26

0.38

0.37

0.41

1.42

2021

0.40

0.40

0.41

0.39

1.60

2022

0.39

0.42

- -

- -

- -

Fiscal Year Ends

Quarterly dividends paid

Full fiscal year

I

II

III

IV

2020

0.11

0.12

0.13

0.13

0.50

2021

0.13

0.13

0.15

0.15

0.56

2022

0.15

0.32

- -

- -

- -