First Financial Bankshares Inc. Common Stock (FFIN)

FairStock Score: 57/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach a bank first as a conservator, then as an investor. First Financial Bankshares has a simple, understandable franchise: deposits, loans and related banking services, with about 1,500 employees. The filed figures show consistency. In fiscal FY2023, the year ended 2023-12-31, net income was $199.0M and diluted EPS was $1.39; in fiscal FY2024, the year ended 2024-12-31, net income was $223.5M and EPS was $1.56; and in fiscal FY2025, the year ended 2025-12-31, net income was $253.6M and EPS was $1.77. In fiscal Q2 2026, the quarter ended 2026-06-30, net income was $71.9M and diluted EPS was $0.50, versus fiscal Q2 2025 net income of $66.7M and EPS of $0.47. So the trend is positive, though the supplied Lynch category calls it a slow grower, with profit growth of 4.6% a year over five years. FairStock calculates ROE of 14.41%, P/B of 2.20 and P/E of 16.48 at the 2026-10-13 close. A 2.20 times book multiple for a 14.4% return is not a giveaway; I would want a wider margin of safety, especially with a PEG of 2.10 and FairStock Score of 57/100. The dividend yield is 2.86% and beta 0.83, but D/E is unavailable, and bank-specific CET1, net interest margin, charge-offs and reserves are not in the data; a combined ratio is not relevant for a bank and is also absent. I can judge profitability and price, but not credit or capital risk. That limits conviction.

In plain English: First Financial Bankshares is a regional bank that takes deposits and makes loans, mostly in the United States. The business has made steady profits and has grown them, but its longer-term growth has been slow. At the recent price, the stock looks fairly valued rather than cheap, because investors are paying a high price compared with the bank's accounting net worth while returns are good but not outstanding.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer