US · FFIN
First Financial Bankshares, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Abilene, TX 79601
- Website
- ffin.com
Price · as of 2025-12-31
$32.56
Market cap 4.43B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $60.78 | +86.67% |
| Intrinsic Value(DCF) | $28.75 | -11.7% |
| Graham-Dodd Method(GD) | $8.96 | -72.49% |
| Graham Formula(GF) | $34.41 | +5.68% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $6.55 | $28.51 | $9.28 | $3.26 | $7.43 |
| 2012 | $9.37 | $29.13 | $15.56 | $2.76 | $6.15 |
| 2013 | $12.77 | $29.05 | $16.36 | $4.83 | $10.98 |
| 2014 | $11.35 | $26.45 | $19.69 | $4.77 | $13.04 |
| 2015 | $12.21 | $30.36 | $21.49 | $5.59 | $15.02 |
| 2016 | $17.89 | $31.64 | $20.98 | $5.21 | $12.07 |
| 2017 | $21.25 | $34.94 | $24.04 | $5.98 | $12.80 |
| 2018 | $26.38 | $35.96 | $31.79 | $7.38 | $26.75 |
| 2019 | $24.93 | $35.59 | $27.25 | $8.37 | $20.11 |
| 2020 | $46.34 | $49.25 | $35.92 | $9.29 | $36.06 |
| 2021 | $42.42 | $47.78 | $40.49 | $9.75 | $17.29 |
| 2022 | $30.74 | $41.68 | $40.72 | $5.29 | $27.52 |
| 2023 | $31.19 | $43.65 | $37.67 | $4.77 | $28.41 |
| 2024 | $35.55 | $42.92 | $16.22 | $8.27 | $40.87 |
| 2025 | $30.87 | $60.78 | $29.91 | $8.96 | $34.41 |
AI valuation
Our deep-learning model estimates First Financial Bankshares, Inc.'s (FFIN) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $60.78
- Current price
- $32.56
- AI upside
- +86.67%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$28.75
-11.7% upside
Graham-Dodd
$8.96
-72.49% upside
Graham Formula
$34.41
+5.68% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| FFIN | First Financial Bankshare… | $32.56 | 4.43B | +87% | -12% | -72% | +6% | 17.42 | 2.30 | 5.35 | 10.51 | 129.41 | 2.75 | 71.82% | 37.49% | 30.71% | 14.39% | 31.46% | 1.72% | 0.01 | 1.54 | 0.68 | 0.67 | -3.30 | 1346.00% | 1171.00% | -236.00% | 6.47% | 0.02 | 35.48% | 2.40% | 41.80% | 13.49% | 10.86 | 11.75 | 4.07 | 0.11 |
| ASB | Associated Banc-Corp | $26.41 | 4.38B | +11% | +9,936% | -14% | +164% | 9.29 | 0.88 | 1.78 | 4.47 | 3.26 | 1.14 | 58.29% | 23.50% | 19.31% | 9.86% | 17.69% | 1.07% | 0.84 | 0.59 | 0.30 | 0.30 | 6.22 | 28472.00% | 1683.00% | 924.00% | 13.33% | 0.03 | 21.79% | 3.81% | 35.40% | 4.47% | 4.47 | 4.42 | 1.05 | -0.12 |
| AUB | Atlantic Union Bankshares… | $37.06 | 5.28B | -38% | +748% | -12% | +193% | 19.48 | 1.07 | 2.64 | 6.06 | — | 1.80 | 60.94% | 16.77% | 13.54% | 6.72% | 18.61% | 0.88% | 0.30 | 0.51 | 6.81 | 6.81 | 3.19 | -938.00% | 5019.00% | -6750.00% | 1.83% | 0.15 | 6.61% | 0.00% | 0.00% | 0.00% | 7.08 | 24.55 | 1.19 | 0.35 |
| AX | Axos Financial, Inc. | $86.82 | 4.92B | -26% | +569% | -4% | +48% | 11.92 | 1.93 | 2.68 | 5.50 | — | 2.05 | 61.47% | 31.79% | 22.44% | 17.42% | 52.84% | 1.82% | 0.14 | 0.89 | 0.11 | 0.11 | -2.43 | -300.00% | 916.00% | 6182.00% | 8.45% | 0.02 | 53.23% | 0.00% | 0.00% | 1.13% | 5.76 | 8.11 | 1.83 | -0.46 |
| CADE | Cadence Bank | $42.11 | 7.85B | -28% | +264% | -49% | +166% | 10.26 | 0.96 | 1.85 | -4.12 | — | 1.30 | 59.29% | 23.29% | 18.03% | 9.75% | -16.97% | 1.09% | 0.01 | 0.61 | 0.22 | 0.22 | -1.93 | -514.00% | 3237.00% | 6693.00% | 14.45% | 0.02 | -25.17% | 3.58% | 36.70% | 38.75% | -5.35 | -4.66 | -1.25 | -0.53 |
| GBCI | Glacier Bancorp, Inc. | $45.49 | 5.91B | -40% | -60% | -73% | -11% | 24.94 | 1.41 | 4.18 | 12.41 | 135.18 | 2.18 | 68.96% | 22.86% | 16.77% | 6.43% | 10.23% | 0.80% | 0.69 | 0.80 | 307.57 | 307.57 | 7.06 | 1845.00% | 1448.00% | 6569.00% | 5.83% | 4.58 | 13.25% | 2.73% | 68.10% | 8.93% | 13.90 | 13.04 | 3.18 | 1.20 |
| IBOC | International Bancshares … | $67.11 | 4.17B | -11% | -6% | -11% | — | 10.33 | 1.31 | 5.15 | 187.50 | 1357.27 | 1.43 | 100.00% | 70.03% | 49.85% | 13.63% | 61.94% | 2.55% | 0.04 | 2.71 | — | — | -17.87 | 76.00% | -2069.00% | 286.00% | 11.11% | — | 63.84% | 2.04% | 21.10% | 19.04% | 7.56 | 9.26 | 5.29 | 0.67 |
| INTR | Inter & Co, Inc. | $8.71 | 3.83B | +70% | +13,446% | -44% | +52% | 13.14 | 1.44 | 1.32 | -2.20 | 7.46 | 1.81 | 47.37% | 12.41% | 9.34% | 11.89% | -18.17% | 1.42% | 1.33 | 0.36 | 0.54 | 0.53 | 3.55 | 17600.00% | 2712.00% | -5530.00% | 25.43% | 0.07 | -60.68% | 0.54% | 7.10% | 0.69% | -2.59 | -0.96 | -0.32 | -0.09 |
| SFBS | ServisFirst Bancshares, I… | $81.01 | 4.43B | -59% | +23% | -27% | -24% | 16.12 | 2.41 | 4.38 | 14.03 | 74.51 | 2.43 | 51.79% | 33.62% | 27.18% | 15.96% | 18.15% | 1.58% | 0.81 | 0.75 | 0.28 | 0.28 | 4.12 | 2163.00% | 413.00% | 4307.00% | 7.97% | 0.09 | 23.30% | 0.00% | 0.00% | 0.00% | 14.03 | 13.52 | 4.72 | 0.21 |
| TCBI | Texas Capital Bancshares,… | $95.30 | 4.35B | -29% | +12% | +17% | +63% | 13.14 | 1.20 | 2.17 | -2.77 | 3.05 | 1.20 | 60.62% | 22.20% | 16.52% | 9.44% | -136.18% | 1.06% | 0.26 | 0.60 | 0.16 | 0.28 | -1.97 | 43125.00% | 1354.00% | -1650.00% | 8.01% | 0.01 | -139.78% | 0.40% | 5.20% | 4.68% | -3.00 | -3.83 | -0.67 | -0.52 |
| WBS | Webster Financial Corpora… | $72.13 | 11.63B | -51% | -9% | -37% | +22% | 11.41 | 1.21 | 2.59 | -2.06 | 32.38 | 1.82 | 60.80% | 28.49% | 22.67% | 10.77% | 34.14% | 1.23% | 0.45 | 0.83 | 0.41 | 0.41 | 3.13 | 3524.00% | 613.00% | -3839.00% | 7.37% | 0.02 | 28.70% | 2.33% | 26.60% | 7.52% | -2.06 | -3.07 | -0.59 | -0.18 |
About First Financial Bankshares, Inc.
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.
- CEO
- David W. Bailey
- Employees
- 1.4K
- Beta
- 0.84
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($28.75 ÷ $32.56) − 1 = -11.7% (DCF, example).