First Financial Bankshares Stock Today

FFIN Stock  USD 30.01  1.21  4.20%   

Performance

0 of 100

 
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Odds Of Distress

Less than 8

 
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Low
First Financial is selling at 30.01 as of the 19th of April 2024; that is 4.20 percent up since the beginning of the trading day. The stock's open price was 28.8. First Financial has only a 8 % chance of going through financial distress over the next few years, but has generated negative returns over the last 90 days. Equity ratings for First Financial Bankshares are calculated daily based on our scoring framework. The performance scores are derived for the period starting the 30th of April 2022 and ending today, the 19th of April 2024. Click here to learn more.
Business Domain
Banks
IPO Date
1st of November 1993
Category
Financial Services
Classification
Financials
First Financial Bankshares, Inc., through its subsidiaries, provides commercial banking products and services in Texas. First Financial Bankshares, Inc. was founded in 1890 and is headquartered in Abilene, Texas. First Finl operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. The company has 142.75 M outstanding shares of which 9.14 M shares are currently shorted by private and institutional investors with about 18.79 trading days to cover. More on First Financial Bankshares

First Stock Highlights

Most reasonable investors view market volatility as an opportunity to invest at a favorable price or to sell short against a bearish trend. First Financial's investment highlights are automatically generated signals that are significant enough to either complement your investing judgment regarding First Financial or challenge it. These highlights can help you better understand the position you are entering and avoid costly mistakes.
ChairmanScott Dueser
Business ConcentrationRegional Banks, Banks - Regional, Financial Services, NASDAQ Composite, NASDAQ Financial 100, SP Midcap 400, NASDAQ Composite Total, Financials, Banks, Banks—Regional, Financial Services (View all Sectors)
Average Analyst Recommendation
Analysts covering First Financial report their recommendations after researching First Financial's financial statements, talking to executives and customers, or listening in on First Financial's conference calls. The current trade recommendation is based on an ongoing consensus estimate among financial analysts covering First Financial Bank. The First consensus assessment is calculated by taking the average forecast from all of the analysts covering First Financial.
Financial Strength
Based on the analysis of First Financial's profitability, liquidity, and operating efficiency, First Financial Bankshares is not in a good financial situation at this time. It has a very high probability of going through financial hardship in May. Financial strength of First Financial Bank is based on its profitability, leverage, liquidity, source of funds, and operating efficiency.
Current ValueLast YearChange From Last Year 10 Year Trend
Return On Assets0.01280.0152
Fairly Down
Pretty Stable
Asset Turnover0.05390.0484
Moderately Up
Very volatile
Total Current Liabilities2.1 B3.8 B
Way Down
Slightly volatile
Non Current Liabilities Total7.4 B7.8 B
Notably Down
Slightly volatile
Total Assets13.8 B13.1 B
Sufficiently Up
Slightly volatile
Total Current Assets510.2 M537.1 M
Notably Down
Pretty Stable
Total Cash From Operating Activities301.4 M287.1 M
Sufficiently Up
Slightly volatile
First Financial's financial strength is of vital concern to both outside investors and internal stakeholders. Efficiency and cost control are keys to First Financial's success, along with its ability to generate sufficient cash flow to pay bills, repay debt, and make a consistent year-to-year profit.
Financial leverage usually refers to the use of borrowed funds to amplify returns from an investment. In general, analyzing the relationship between debt to total assets helps investors to understand First Financial's financial leverage. It provides some insight into what part of First Financial's total assets is financed by creditors.
By using current balance sheet information, investors can analyze the liability, assets, and equity on First Financial's books and decide whether to invest or hold. Statistics such as return on equity (ROE), debt to equity (D/E) help investors determine how First Financial deploys its capital and how much of that capital is borrowed.
Liquidity
First Financial cash flow analysis is essential to understand how it generates and spends money over a specific period. It can also help you figure out where your money is going and how much cash you have available at a given moment. The company currently holds 404.08 M in liabilities with Debt to Equity (D/E) ratio of 7.28, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist First Financial until it has trouble settling it off, either with new capital or with free cash flow. So, First Financial's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like First Financial Bank sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for First to invest in growth at high rates of return. When we think about First Financial's use of debt, we should always consider it together with cash and equity.

Dividends Paid

(94.97 Million)
First Financial Bankshares (FFIN) is traded on NASDAQ Exchange in USA. It is located in 400 Pine Street, Abilene, TX, United States, 79601 and employs 1,400 people. First Financial is listed under Regional Banks category by Fama And French industry classification. The company currently falls under 'Mid-Cap' category with a current market capitalization of 4.14 B. Market capitalization usually refers to the total value of a company's stock within the entire market. To calculate First Financial's market, we take the total number of its shares issued and multiply it by First Financial's current market price. To manage market risk and economic uncertainty, many investors today build portfolios that are diversified across equities with different market capitalizations. However, as a general rule, conservative investors tend to hold large-cap stocks, and those looking for more risk prefer small-cap and mid-cap equities. First Financial Bank conducts business under Banks sector and is part of Financials industry. The entity has 142.75 M outstanding shares of which 9.14 M shares are currently shorted by private and institutional investors with about 18.79 trading days to cover. First Financial Bankshares currently holds about 365.78 M in cash with 287.06 M of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 2.57.
Check First Financial Probability Of Bankruptcy
Ownership Allocation
First Financial Bank retains a total of 142.75 Million outstanding shares. The majority of First Financial Bankshares outstanding shares are owned by other corporate entities. These outside corporations are usually referred to as non-private investors looking to obtain positions in First Financial Bank to benefit from reduced commissions. Consequently, institutional investors are subject to a different set of regulations than regular investors in First Financial. Please pay attention to any change in the institutional holdings of First Financial Bankshares as this could imply that something significant has changed or is about to change at the company. Note that regardless of who owns the company, if the true value of the entity is less than the market is willing to pay for it, you may not be able to generate positive returns over time.
Check First Ownership Details

First Stock Price Odds Analysis

Contingent on a normal probability distribution, the odds of First Financial jumping above the current price in 90 days from now is about 74.75%. The First Financial Bankshares probability density function shows the probability of First Financial stock to fall within a particular range of prices over 90 days. Given the investment horizon of 90 days the stock has a beta coefficient of 2.1126. This usually indicates as the benchmark fluctuates upward, the company is expected to outperform it on average. However, if the benchmark returns are projected to be negative, First Financial will likely underperform. Additionally, first Financial Bankshares has a negative alpha, implying that the risk taken by holding this instrument is not justified. The company is significantly underperforming the NYSE Composite.
  Odds Below 30.01HorizonTargetOdds Above 30.01
25.01%90 days
 30.01 
74.75%
Based on a normal probability distribution, the odds of First Financial to move above the current price in 90 days from now is about 74.75 (This First Financial Bankshares probability density function shows the probability of First Stock to fall within a particular range of prices over 90 days) .

First Stock Institutional Holders

Institutional Holdings refers to the ownership stake in First Financial that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of First Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing First Financial's value.
InstituionRecorded OnShares
Charles Schwab Investment Management Inc2023-12-31
1.6 M
Fuller & Thaler Asset Management Inc2023-12-31
1.5 M
Norges Bank2023-12-31
1.4 M
Bank Of New York Mellon Corp2023-12-31
1.4 M
Morgan Stanley - Brokerage Accounts2023-12-31
1.4 M
Nuveen Asset Management, Llc2023-12-31
1.1 M
Amvescap Plc.2023-12-31
M
Jpmorgan Chase & Co2023-12-31
846 K
Wells Fargo & Co2023-12-31
609.8 K
First Financial Bankshares Inc2023-12-31
18.3 M
Blackrock Inc2023-12-31
16.2 M
View First Financial Diagnostics

First Financial Historical Income Statement

First Financial Bankshares Income Statement is one of the three primary financial statements used for reporting First's overall financial performance over a current year or for a given accounting period. An Income Statement sometimes referred to as the statement of First Financial Bank revenue and expense. First Financial Income Statement primarily focuses on the company's revenues and expenses during a particular period.
At this time, First Financial's Income Before Tax is very stable compared to the past year. As of the 19th of April 2024, Total Other Income Expense Net is likely to grow to about 255.5 M, while Depreciation And Amortization is likely to drop about 866.4 K. View More Fundamentals

First Stock Against Markets

Picking the right benchmark for First Financial stock is fundamental to making educated investment choices. Many naive investors compare their positions with the S&P 500 or with the Nasdaq. But these benchmarks are not all-inclusive and generally should be used only for large-capitalization equities or stock offerings from large companies. When the price of a selected benchmark declines in a down market, there may be an uptick in First Financial stock price where buyers come in believing the asset is cheap. The opposite is true when the market is bullish; so, accurately picking the benchmark for First Financial is critical whether you are bullish or bearish towards First Financial Bankshares at a given time. Please also check how First Financial's historical prices are related to one of the top price index indicators.

Be your own money manager

Our tools can tell you how much better you can do entering a position in First Financial without increasing your portfolio risk or giving up the expected return. As an individual investor, you need to find a reliable way to track all your investment portfolios. However, your requirements will often be based on how much of the process you decide to do yourself. In addition to allowing all investors analytical transparency into all their portfolios, our tools can evaluate risk-adjusted returns of your individual positions relative to your overall portfolio.

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First Financial Corporate Directors

First Financial corporate directors refer to members of a First Financial board of directors. The board of directors generally takes responsibility for the First Financial's affairs and long-term direction of the entity. A corporate director does not make decisions for the corporation on his own. As a member of the board of directors, she or he must function as a part of a group that makes decisions on behalf of the business only by the board of directors' meetings. To pass a resolution, a majority of First Financial's board members must vote for the resolution. The First Financial board of directors' duties also include the election, removal, and supervision of officers, including the adoption, amendment, and repeal of bylaws.
Mike DennyDirectorProfile
Tim LancasterIndependent DirectorProfile
Ivan LancasterIndependent DirectorProfile
Robert NicklesDirectorProfile

How to buy First Stock?

Before investing in First Financial, you must ensure you fully understand your financial goals and how diversified (or not) your overall investments are now. Then, after you clearly understand your investment objectives, consider investing in First Financial. To buy First Financial stock, you can follow these steps:
  • Choose a brokerage firm: You need to select a brokerage firm to buy shares of First Financial. Some popular options include Charles Schwab, Fidelity, TD Ameritrade, and Robinhood.
  • Open an account: Once you have chosen a brokerage firm, you will need to open an account. You will be required to provide personal information, such as your name, address, and Social Security number.
  • Fund your account: You will need to deposit funds into your brokerage account to purchase First Financial stock. You can do this by transferring funds from your bank account or other investment accounts.
  • Place your order: Once you have located First Financial Bankshares stock in your brokerage account, you can place your order to buy it. You will need to specify the number of shares you want to buy and the price you are willing to pay.
  • Monitor your investment: After you have purchased First Financial Bankshares stock, you should monitor your investment to track its performance and make informed decisions about buying, selling, or holding the stock
It's important to note that investing in stocks, such as First Financial Bankshares, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember various factors, including economic indicators, change in net worth, political events, company-specific news, and investor sentiment, can influence the stock market. These factors can cause fluctuations in stock prices and lead to market volatility affecting your buy or sell decision. However, volatility can also present opportunities for investors to make gains by buying stocks when prices are low and selling when they are high. It's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. For more information on how to buy First Stock please use our How to Invest in First Financial guide.

Already Invested in First Financial Bankshares?

The danger of trading First Financial Bankshares is mainly related to its market volatility and Company specific events. As an investor, you must understand the concept of risk-adjusted return before you start trading. The most common way to measure the risk of First Financial is by using the Sharpe ratio. The ratio expresses how much excess return you acquire for the extra volatility you endure for holding a more risker asset than First Financial. The Sharpe ratio is calculated by using standard deviation and excess return to determine reward per unit of risk. To understand how volatile First Financial Bank is, you must compare it to a benchmark. Traditionally, the risk-free rate of return is the rate of return on the shortest-dated U.S. Treasury, such as a 3-year bond.
When determining whether First Financial Bank offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of First Financial's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of First Financial Bankshares Stock. Outlined below are crucial reports that will aid in making a well-informed decision on First Financial Bankshares Stock:
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in First Financial Bankshares. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in gross domestic product.
To learn how to invest in First Stock, please use our How to Invest in First Financial guide.
You can also try the CEOs Directory module to screen CEOs from public companies around the world.

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When running First Financial's price analysis, check to measure First Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy First Financial is operating at the current time. Most of First Financial's value examination focuses on studying past and present price action to predict the probability of First Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move First Financial's price. Additionally, you may evaluate how the addition of First Financial to your portfolios can decrease your overall portfolio volatility.
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Is First Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of First Financial. If investors know First will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about First Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.22)
Dividend Share
0.71
Earnings Share
1.39
Revenue Per Share
3.372
Quarterly Revenue Growth
(0.07)
The market value of First Financial Bank is measured differently than its book value, which is the value of First that is recorded on the company's balance sheet. Investors also form their own opinion of First Financial's value that differs from its market value or its book value, called intrinsic value, which is First Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because First Financial's market value can be influenced by many factors that don't directly affect First Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between First Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if First Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, First Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.