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

FFINNASDAQ

39.93

USD
+0.66
(+1.68%)
Market Closed
25.27P/E
24Forward P/E
1.31P/E to S&P500
5.699BMarket CAP
1.53%Div Yield
Upcoming Earnings
20 Jul-25 Jul
Shares Short
6/15/22
8.83M
Short % of Float
7.89%
Short % of Shares Outs.
6.19%
% Held by Insiders
4.18%
% Held by Institutions
61.06%
Beta
0.87
PEG Ratio
2.48
52w. high/low
55.00/37.47
Avg. Daily Volume
0.48M
Return %
Stock
S&P 500
1 year
(18.18)
(11.88)
3 years
36.37
28.07
5 years
91.05
57.17
Scale: |
High
Low
5.35
4.28
8.47
4.39
7.32
4.68
7.24
5.78
7.55
5.07
8.86
6.39
14.65
8.52
14.59
11.74
16.45
10.85
21.49
10.92
22.87
17.10
31.78
20.72
35.30
25.99
35.88
20.05
54.66
34.64
53.44
37.47
Currency: USD
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
TTM
Revenue per share
1.21
1.28
1.39
1.42
1.48
1.62
1.63
1.79
1.98
2.19
2.30
2.41
2.70
2.85
3.36
3.52
3.55
Earnings per share
0.37
0.40
0.43
0.43
0.48
0.54
0.59
0.62
0.70
0.77
0.79
0.91
1.11
1.22
1.42
1.60
1.59
FCF per share
0.36
0.37
(0.18)
1.32
0.48
0.64
0.61
0.77
0.89
0.71
1.06
1.33
1.27
1.44
1.37
2.35
2.28
Dividends per share
0.19
0.20
0.22
0.23
0.23
0.23
0.31
0.19
0.27
0.30
0.34
0.37
0.40
0.45
0.50
0.56
0.58
CAPEX per share
0.06
0.07
0.09
0.05
0.09
0.12
0.13
0.09
0.14
0.13
0.15
0.11
0.13
0.06
0.12
0.14
0.13
Book Value per sh.
2.42
2.69
2.96
3.33
3.53
4.04
4.42
4.62
5.32
6.20
6.35
6.98
7.79
9.05
11.82
12.39
11.77
Comm.Shares outs.
124
125
125
125
125
126
126
127
128
130
132
132
135
136
142
142
142
Avg. annual P/E ratio
12.1
12.2
13.5
14.7
13.9
12.2
12.6
18.9
19.0
17.8
19.4
21.9
22.9
25.0
20.8
29.3
25.3
P/E to S&P500
0.7
0.7
0.6
0.2
0.7
0.7
0.8
1.1
1.0
0.9
0.9
0.9
0.9
1.0
0.5
1.0
1.3
Avg. annual div. yield
4.3%
4.1%
3.8%
3.6%
3.4%
3.5%
4.1%
1.6%
2.0%
2.2%
2.2%
1.9%
1.6%
1.5%
1.7%
1.2%
1.3%
Revenue (m)
151
159
173
178
186
203
206
228
253
284
304
319
364
387
478
500
506
Operating margin
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation (m)
8
7
8
8
7
7
8
9
9
11
12
13
13
12
13
13
13
Net profit (m)
46
49
53
54
60
68
74
79
90
100
105
120
151
165
202
228
227
Income tax rate
29.6%
29.2%
28.0%
25.6%
25.6%
25.8%
25.3%
24.6%
24.5%
23.8%
22.9%
18.2%
15.5%
16.8%
16.6%
16.3%
16.2%
Net profit margin
30.6%
31.1%
30.7%
30.3%
32.1%
33.6%
36.1%
34.6%
35.4%
35.4%
34.5%
37.7%
41.3%
42.6%
42.3%
45.6%
44.8%
Working capital (m)
1,450
1,649
1,529
1,720
1,909
1,919
2,266
2,507
2,864
3,671
3,683
3,902
4,265
4,544
6,051
6,063
- -
Long-term debt (m)
- -
- -
- -
- -
- -
- -
- -
- -
- -
299
75
331
55
381
430
21
21
Equity (m)
301
335
369
416
442
509
557
588
682
805
838
923
1,053
1,227
1,678
1,759
1,489
ROIC
3.0%
3.1%
2.6%
2.1%
1.9%
1.9%
1.8%
1.7%
1.7%
1.6%
1.6%
1.8%
2.2%
2.3%
2.0%
1.8%
1.7%
Return on capital
4.0%
4.2%
3.4%
2.7%
2.5%
2.4%
2.3%
2.1%
2.1%
2.0%
2.1%
2.2%
2.5%
2.8%
2.4%
2.1%
2.1%
Return on equity
15.3%
14.8%
14.4%
12.9%
13.5%
13.4%
13.3%
13.4%
13.1%
12.5%
12.5%
13.0%
14.3%
13.4%
12.0%
12.9%
15.2%
Plowback ratio
47.8%
49.6%
48.4%
47.4%
52.5%
57.1%
47.8%
68.9%
61.4%
61.4%
57.1%
59.3%
64.2%
63.0%
65.2%
65.0%
63.5%
Div.&Repurch./FCF
53.6%
53.7%
(120.4)%
16.7%
45.5%
35.4%
49.3%
22.9%
29.1%
40.6%
31.1%
26.1%
29.2%
29.0%
40.3%
23.9%
25.5%
Capital Structure
6 May · 2022 | Q1
All numbers in millions
Total liabilities
$ 11,825
Total assets
$ 13,314
Long-term debt
$ 21
Cash and equiv.
$ 598
Goodwill
$ 313
Retained earnings
$ 1,016
Common stock
143
Enterprise Value
$ 5,122
Working Capital
Currency: USD, in millions
2019
2020
2021
Cash & Investments
3,693
5,122
7,102
Receivables
- -
- -
- -
Inventory
- -
- -
- -
Other
851
1,378
(790)
Current assets
4,544
6,051
6,063
Acc. Payable
- -
- -
- -
Debt due
- -
- -
- -
Other
- -
- -
- -
Current liabilities
- -
- -
- -
Annual growth rates
(avg. rate of change)
1 year
5 years
10 years
Revenue
4.58%
12.08%
10.50%
Cash flow
71.99%
20.68%
20.62%
Earnings
12.64%
17.44%
13.44%
Dividends
13.36%
12.98%
10.36%
Book value
4.83%
18.06%
14.01%
Insider Trading
Type
Shares
Date
Dueser F Scott
InKind
1,569
06/26/22
Trotter Johnny
Purchase
1,000
06/10/22
Denny Michael B.
Purchase
2,500
05/19/22
Gordon James R
InKind
583
05/18/22
Anthony April Kaye Bullock
Purchase
5,000
05/06/22
Quarterly Revenue
Currency: USD, in millions
Year
1Q
2Q
3Q
4Q
Total
2020
106
123
125
123
478
2021
121
122
130
126
500
2022
127
- -
- -
- -
- -
Earnings per share
Currency: USD
Year
1Q
2Q
3Q
4Q
Total
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
- -
- -
- -
- -
Quarterly dividends paid
Currency: USD
Year
1Q
2Q
3Q
4Q
Total
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
- -
- -
- -
- -
Company Description
Sector:
Financial Services
Industry:
Banks—Regional
CEO:
Mr. F. Scott Dueser
Full-time employees:
1,400
City:
Abilene
Address:
400 Pine St, PO Box 701
IPO:
Nov 1, 1993
Website:
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.