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Friday 6 November 2026
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First Financial Bankshares, Inc.
FFIN Financial Banks Regional
First Financial Bankshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $833.2 million, up 10.7% from fiscal 2024.
- Revenue
- +5.01%
- EPS
- +40.5%
- Free cash flow
- +10.9%
Quarter to September 2026, against a year earlier
30.72
0.70
−2.23%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
16.78 | 22.96 | 21.48 | 20.77 | 31.78 | 25.48 | 29.01 | 29.21 | 24.65 | 28.43 |
Piotroski F-Score |
7 | 7 | 6 | 6 | 5 | 7 | 7 | 7 | 7 | 4 |
P/S ratio |
5.13 | 6.84 | 6.75 | 8.61 | 13.95 | 10.19 | 11.13 | 9.91 | 8.80 | 9.40 |
P/FCF ratio |
14.78 | 17.46 | 15.81 | 15.69 | 21.48 | 26.26 | 24.29 | 23.01 | 16.28 | 20.73 |
P/Operating CF |
57.07 | 60.95 | 73.06 | 69.54 | 81.03 | 67.83 | 81.99 | 142.13 | 84.44 | 90.65 |
P/B ratio |
2.23 | 3.20 | 2.86 | 3.84 | 4.11 | 3.06 | 3.88 | 3.70 | 3.21 | 3.56 |
Price to Tangible BV |
2.66 | 3.98 | 3.62 | 5.11 | 5.02 | 3.78 | 4.52 | 4.44 | 3.80 | 4.30 |
EV/Sales |
3.84 | 5.82 | 5.90 | 8.02 | 12.93 | 8.75 | 10.47 | 9.28 | 7.69 | 8.59 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
10.67 | 14.16 | 13.18 | 13.96 | 18.88 | 20.93 | 22.12 | 19.59 | 13.63 | 16.96 |
EV/FCF |
11.05 | 14.87 | 13.84 | 14.62 | 19.91 | 22.53 | 22.85 | 21.53 | 14.23 | 18.94 |
Quick Ratio |
0.08 | 0.06 | 0.05 | 0.03 | 0.05 | 0.08 | 0.04 | 0.04 | 0.06 | 0.04 |
Current Ratio |
0.68 | 0.70 | 0.66 | 0.58 | 0.52 | 0.65 | 0.64 | 0.63 | 0.61 | 0.61 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Debt/Equity |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Asset Turnover |
0.06 | 0.06 | 0.05 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 |
Operating CF/Net income |
1.18 | 1.39 | 1.43 | 1.38 | 1.56 | 1.04 | 1.23 | 1.24 | 1.58 | 1.53 |
Capex/Depreciation |
(0.20) | (0.25) | (0.21) | (0.17) | (0.23) | (0.27) | (0.17) | (0.42) | (0.19) | (0.41) |
| 14.39% | 14.39% | 14.39% | 15.50% | 13.24% | 13.91% | 14.45% | 15.25% | 13.67% | 12.75% | |
| 1.72% | 1.65% | 1.53% | 1.80% | 1.90% | 2.11% | 2.06% | 2.01% | 1.71% | 1.56% | |
ROIC |
23.05% | 20.15% | 15.80% | 18.77% | 13.81% | 15.96% | 13.10% | 13.86% | 16.76% | 14.66% |
Return on Tangible Assets |
(6.16%) | (6.28%) | (5.26%) | (4.90%) | (4.38%) | (6.63%) | (6.86%) | (6.43%) | (5.14%) | (4.75%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
36.62% | 35.16% | 37.31% | 42.69% | 43.93% | 46.94% | 44.70% | 48.05% | 51.33% | 55.23% |
Intangible Assets out of Total Assets |
0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.03 | 0.02 | 0.02 | 0.02 | 0.02 |
Share Based Compensation of Revenue |
0.83% | 0.66% | 0.67% | 0.70% | 0.63% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Graham Net Nets |
(1.02) | (0.74) | (0.93) | (1.03) | (0.75) | (0.64) | (0.54) | (0.64) | (0.84) | (0.80) |
Graham Number |
23.17 | 19.93 | 18.19 | 18.10 | 21.10 | 19.43 | 15.69 | 13.16 | 11.95 | 10.65 |
Earnings Yield |
5.96% | 4.36% | 4.66% | 4.81% | 3.15% | 3.92% | 3.45% | 3.42% | 4.06% | 3.52% |
Free Cash Flow Yield |
6.76% | 5.73% | 6.32% | 6.37% | 4.66% | 3.81% | 4.12% | 4.35% | 6.14% | 4.82% |
Revenue per Share |
5.82 | 5.27 | 4.46 | 3.96 | 3.64 | 3.55 | 3.15 | 2.91 | 2.55 | 2.40 |
Operating CF per Share |
2.09 | 2.17 | 2.00 | 2.27 | 2.50 | 1.48 | 1.49 | 1.38 | 1.44 | 1.22 |
Capex per Share |
(0.07) | (0.10) | (0.09) | (0.10) | (0.13) | (0.11) | (0.05) | (0.12) | (0.06) | (0.13) |
Free Cash Flow per Share |
2.02 | 2.06 | 1.90 | 2.17 | 2.37 | 1.38 | 1.45 | 1.25 | 1.38 | 1.09 |
Cash per Share |
7.54 | 5.35 | 3.76 | 2.32 | 3.71 | 5.13 | 2.08 | 1.85 | 2.83 | 1.96 |
Shareholders Equity per Share |
13.40 | 11.25 | 10.50 | 8.88 | 12.36 | 11.82 | 9.05 | 7.79 | 6.98 | 6.35 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
13.40 | 11.25 | 10.50 | 8.88 | 12.36 | 11.82 | 9.05 | 7.79 | 6.98 | 6.35 |
Free Cash Flow |
289.08 | 294.82 | 271.34 | 309.67 | 336.77 | 195.67 | 196.03 | 169.55 | 182.20 | 143.92 |
Working Capital |
(4,269.45) | (3,709.77) | (3,931.48) | (4,939.33) | (5,345.73) | (3,188.36) | (2,531.86) | (2,474.88) | (2,467.61) | (2,327.69) |
Capital Expenditures |
(10.36) | (14.82) | (13.48) | (14.60) | (18.38) | (14.99) | (6.42) | (16.80) | (8.08) | (16.83) |
Net Current Asset Value |
(4,368.44) | (3,786.44) | (3,995.79) | (4,999.65) | (5,451.33) | (3,308.76) | (2,581.73) | (2,504.35) | (2,505.60) | (2,375.43) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.02 | 0.02 | 0.03 | 0.04 | 0.03 | 0.02 | 0.04 | 0.02 | 0.05 |
Price to Operating Income |
13.80 | 18.94 | 17.64 | 17.30 | 26.60 | 21.20 | 24.04 | 21.89 | 20.15 | 21.95 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.34 | 0.38 | 0.43 | 0.55 | 0.54 | 0.38 | 0.29 | 0.30 | 0.35 | 0.33 |
Cash ROIC |
9.65% | 12.44% | 13.33% | 19.40% | 14.72% | 8.13% | 12.98% | 13.01% | 14.05% | 13.13% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.02 | 0.02 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
24,163.13 | 21,843.22 | 28,181.42 | 127,767.53 | 638,326.52 | 222,331.90 | 80,074.05 | 119,167.56 | 234,332.55 | 366,844.02 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
12,722.35 | 11,618.74 | 11,071.91 | 10,786.00 | 9,621.15 | 7,639.81 | 6,392.10 | 6,071.68 | 5,720.75 | 5,334.35 |
Average Assets |
14,712.95 | 13,542.51 | 13,039.83 | 13,038.27 | 12,003.48 | 9,583.36 | 7,997.04 | 7,493.28 | 7,032.32 | 6,737.50 |
Average Common Equity |
1,761.94 | 1,552.73 | 1,382.32 | 1,512.48 | 1,718.71 | 1,452.69 | 1,140.25 | 988.03 | 880.33 | 821.44 |
Columns are period end dates · fundamentals updated 5 Nov 2026