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First Financial Bankshares, Inc. (FFIN)

Financial Services | Banks - Regional | Abilene, United States | NasdaqGS
31.59 USD +0.70 (2.266%) ⇧ (Oct. 15, 2026, 4 p.m. EDT)
Short-term:★★⯪☆☆Long-term:★★★⯪☆Dividends:★★★⯪☆
Hot Take ↕ | Oct. 10, 2026, 8:42 a.m. EDT

First Financial Bankshares presents a compelling case for income-oriented investors who can tolerate moderate volatility, though the immediate technical setup remains neutral. The company's fundamentals are robust, boasting a healthy 14.4% return on equity and double-digit revenue growth, which supports a solid long-term buy thesis. The dividend yield of 2.8% is attractive, backed by a sustainable payout ratio of roughly 42%, ensuring the income stream is secure even if earnings fluctuate. However, the short-term outlook is muted. Despite the positive earnings growth and analyst upgrades, the stock is trading below its 50-day moving average, creating a technical headwind that prevents a 'high-conviction' bullish rating. The statistical forecast model offers no directional edge, predicting essentially flat performance over the next 45 days. This aligns with the options data, where neither aggressive calls nor defensive puts dominate the landscape. While the business quality is excellent, the price hasn't yet fully recognized the value, resulting in a neutral-to-slightly-positive stance for the near term.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoETS ✓0.042713
AutoARIMA0.045571
MSTL0.047593
AutoTheta0.063460

Forecast horizon: 45 days | Selected: AutoETS

Forecast Reliability
Score 51%
H-stat 64.24
Ljung-Box p 0.000
Jarque-Bera p 0.318
Excess Kurtosis -1.10
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-09-13
Last Dividend Date 2026-09-13
Revenue per Share 4.694
Market Cap 4,527,473,152
Trailing P/E 16.89
Forward P/E 14.65
Profit Margins 43.28%
Website https://www.ffin.com

As of Oct. 10, 2026, 8:42 a.m. EDT: Speculator positioning is mixed and lacks a clear directional consensus. Call open interest is heavily concentrated at the $25 strike (deep ITM), suggesting a hedge against downside rather than a bullish bet on upside. Conversely, put open interest shows significant accumulation at the $35 strike (OTM), indicating some protection buying or a belief that the stock could test resistance levels. The implied volatility surface is skewed, with higher IV on deep OTM calls and deep ITM puts compared to ATM strikes, reflecting uncertainty about both a sharp drop and a breakout above $35.

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.66% 2.56% 2.31% 2.13%
Dividend History
Date Dividend Yield %
2026-09-14 0.220000 0.661455
2026-06-12 0.220000 0.653789
2026-03-13 0.190000 0.642760
2025-12-15 0.190000 0.605674
2025-09-15 0.190000 0.536269
2025-06-16 0.190000 0.532511
2025-03-14 0.180000 0.503074
2024-12-13 0.180000 0.444774
2024-09-12 0.180000 0.503356
2024-06-14 0.180000 0.647017
2024-03-14 0.180000 0.598007
2023-12-14 0.180000 0.590745
2023-09-13 0.180000 0.660066
2023-06-14 0.180000 0.607083
2023-03-10 0.170000 0.517032
2022-12-14 0.170000 0.484055
2022-09-14 0.170000 0.400943
2022-06-15 0.170000 0.440186
2022-03-15 0.150000 0.330615
2021-12-15 0.150000 0.296560
2021-09-15 0.150000 0.340987
2021-06-15 0.150000 0.292797
2021-03-15 0.130000 0.257426
2020-12-15 0.130000 0.361513
2020-09-15 0.130000 0.445511
2020-06-15 0.130000 0.427913
2020-03-13 0.120000 0.457666
2019-12-12 0.120000 0.339655
2019-09-13 0.120000 0.360360
2019-06-14 0.120000 0.404995
2019-03-14 0.105000 0.347280
2018-12-13 0.105000 0.347855
2018-09-14 0.105000 0.344262
2018-06-14 0.105000 0.393258
2018-03-14 0.095000 0.393375
2017-12-14 0.095000 0.426966
2017-09-14 0.095000 0.469136
2017-06-14 0.095000 0.454545
2017-03-13 0.090000 0.425030
2016-12-13 0.090000 0.403135
2016-09-13 0.090000 0.497238
2016-06-14 0.090000 0.551809
2016-03-14 0.080000 0.558854
2015-12-11 0.080000 0.515464
2015-09-11 0.080000 0.520833
2015-06-12 0.080000 0.489596
2015-03-12 0.070000 0.501972
2014-12-11 0.070000 0.476029
2014-09-11 0.070000 0.466511
2014-06-12 0.070000 0.445718
2014-03-12 0.065000 0.424213
2013-12-12 0.065000 0.414739
2013-09-12 0.065000 0.455661
2013-06-12 0.065000 0.472212
2013-03-13 0.062500 0.534988
2012-12-12 0.062500 0.626566
2012-09-12 0.062500 0.701066
2012-06-13 0.062500 0.782963
2012-03-13 0.060000 0.682400
2011-12-13 0.060000 0.757576
2011-09-13 0.060000 0.866739
2011-06-13 0.040000 0.490798
2011-03-11 0.056667 0.686457
2010-12-13 0.056667 0.679460
2010-09-13 0.056667 0.729775
2010-06-11 0.056667 0.681094
2010-03-11 0.056667 0.635043
2009-12-11 0.056667 0.636350
2009-09-11 0.056667 0.689519
2009-06-11 0.056667 0.687706
2009-02-26 0.056667 0.774316
2008-12-11 0.056667 0.663419
2008-09-11 0.056667 0.661097
2008-06-12 0.056667 0.757749
2008-03-12 0.053333 0.807057
2007-12-13 0.053333 0.827510
2007-09-13 0.053333 0.828796
2007-06-13 0.053333 0.817991
2007-03-13 0.050000 0.747757
2006-12-13 0.050000 0.734214
2006-09-13 0.050000 0.773395
2006-06-14 0.050000 0.856409
2006-03-13 0.046667 0.759843
2005-12-13 0.046667 0.740159
2005-09-13 0.046667 0.814433
2005-06-14 0.046667 0.849521
2005-03-11 0.042500 0.758590
2004-12-13 0.042500 0.759777
2004-09-13 0.042500 0.818291
2004-06-14 0.042500 0.883117
2004-03-11 0.038750 0.815789
2003-12-11 0.038750 0.713464
2003-09-11 0.038750 0.789809
2003-06-12 0.038750 0.965431
2003-03-12 0.035000 0.939597
2002-12-12 0.035000 0.875657
2002-09-12 0.035000 0.935579
2002-06-12 0.035000 0.940860
2002-03-13 0.030000 0.910470
2001-12-12 0.030000 1.007049
2001-06-13 0.030000 1.027046
2001-03-14 0.026400 1.023256
2000-12-13 0.026400 1.056000
2000-09-13 0.026400 1.023256
2000-06-14 0.026400 1.211009
2000-03-15 0.024000 1.165049
1999-12-13 0.024000 1.016949
1999-09-15 0.022000 0.857700
1999-06-14 0.022080 0.897561
1999-03-15 0.022000 0.808824
1998-12-11 0.022000 0.743243
1998-09-14 0.020000 0.769231
1998-06-11 0.020000 0.691824
1998-03-11 0.018182 0.617290
1997-12-11 0.018182 0.591722
1997-09-11 0.018182 0.598808
1997-06-11 0.018182 0.757583
1997-03-12 0.016291 0.713380
1996-12-12 0.016291 0.746671
1996-09-12 0.016291 0.767128
1996-06-12 0.016291 0.800004
1996-03-13 0.014429 0.885709
1995-12-13 0.014429 0.999994
1995-09-13 0.014429 0.978298
1995-06-14 0.011543 1.169783
1995-03-13 0.010426 1.076905
1994-12-12 0.010426 1.142837
1994-09-12 0.010426 0.918017
1994-06-13 0.010426 0.888874
1994-03-14 0.009533 0.735670
1993-12-13 0.009533 0.771124
Additional Data
dividendYield 2.79
exDividendDate 2026-09-14
trailingAnnualDividendRate 0.82
trailingAnnualDividendYield 0.026545808
lastDividendValue 0.22
lastDividendDate 2026-09-14
dividendDate 2026-10-01

Info Dump

Attribute Value
52 Week Change 0.0019029379
Address1 400 Pine Street
All Time High 55.0
All Time Low 0.912291
Ask 40.01
Ask Size 2
Audit Risk 4
Average Analyst Rating 2.8 - Hold
Average Daily Volume10 Day 934,030
Average Daily Volume3 Month 772,165
Average Volume 772,165
Average Volume10Days 934,030
Bid 22.61
Bid Size 2
Board Risk 4
Book Value 12.785
City Abilene
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 2
Country United States
Crypto Tradeable 0
Currency USD
Current Price 31.59
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 31.67
Day Low 30.995
Display Name First Financial Bankshares
Dividend Date 1,790,812,800
Dividend Yield 2.79
Earnings Growth 0.44
Earnings Quarterly Growth 0.422
Earnings Timestamp 1,792,094,400
Earnings Timestamp End 1,792,094,400
Earnings Timestamp Start 1,792,094,400
Ebitda Margins 0.0
Enterprise To Revenue 6.124
Enterprise Value 4,118,454,784
Eps Current Year 2.04625
Eps Forward 2.15571
Eps Trailing Twelve Months 1.87
Esg Populated 0
Ex Dividend Date 1,789,344,000
Exchange NMS
Exchange Data Delayed By 15
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 33.0004
Fifty Day Average Change -1.4104004
Fifty Day Average Change Percent -0.04273889
Fifty Two Week Change Percent 0.19029379
Fifty Two Week High 36.52
Fifty Two Week High Change -4.9300003
Fifty Two Week High Change Percent -0.13499454
Fifty Two Week Low 28.12
Fifty Two Week Low Change 3.4699993
Fifty Two Week Low Change Percent 0.12339969
Fifty Two Week Range 28.12 - 36.52
Financial Currency USD
First Trade Date Milliseconds 752,164,200,000
Five Year Avg Dividend Yield 1.93
Float Shares 137,814,711
Forward Eps 2.15571
Forward P E 14.654105
Full Exchange Name NasdaqGS
Full Time Employees 1,500
Fullday Change 0.26000023
Fullday Change Percent 0.8416971
Fullday Price 31.59
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,790,812,800
Gross Margins 0.0
Gross Profits 672,481,984
Has Pre Post Market Data 1
Held Percent Insiders 0.03625
Held Percent Institutions 0.72178
Implied Shares Outstanding 143,319,824
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,789,344,000
Last Dividend Value 0.22
Last Fiscal Year End 1,767,139,200
Last Split Date 1,559,606,400
Last Split Factor 2:1
Long Business Summary First Financial Bankshares, Inc., through its subsidiaries, provides banking services in the United States. The company offers general commercial banking services, including checking, savings and time deposits, loans, automated teller machines, drive-in and night deposit services, safe deposit facilities, remote deposit capture, internet banking, mobile banking, payroll cards, funds transfer, and other customary commercial banking service, as well as securities brokerage services. It also provides personal trust services, such as wealth management; administration of estates, oil and gas management; farm and ranch; property management; testamentary trusts; revocable and irrevocable trusts; and agency accounts. In addition, the company offers commercial and industrial; municipal; agricultural; construction and development; farm; residential; consumer auto and non-auto; and non-owner occupied and owner occupied commercial real estate loans. Further, it provides advice and specialized services related to lending, investing, purchasing, advertising, public relations, and technology services. First Financial Bankshares, Inc. was founded in 1890 and is headquartered in Abilene, Texas.
Long Name First Financial Bankshares, Inc.
Market us_market
Market Cap 4,527,473,152
Market State PRE
Max Age 86,400
Message Board Id finmb_271375
Most Recent Quarter 1,790,726,400
Net Income To Common 291,054,016
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 4,577,880,573
Number Of Analyst Opinions 7
Open 31.16
Operating Margins 0.52906
Overall Risk 3
Payout Ratio 0.4225
Peg Ratio 2.55
Phone 325 627 7155
Previous Close 30.89
Price Eps Current Year 15.437996
Price Hint 2
Price To Book 2.4708643
Price To Sales Trailing12 Months 6.7324824
Profit Margins 0.43280998
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key hold
Recommendation Mean 2.75
Region US
Regular Market Change 0.700001
Regular Market Change Percent 2.26611
Regular Market Day High 31.67
Regular Market Day Low 30.995
Regular Market Day Range 30.995 - 31.67
Regular Market Open 31.16
Regular Market Previous Close 30.89
Regular Market Price 31.59
Regular Market Time 1,792,094,401
Regular Market Volume 802,480
Return On Assets 0.0194
Return On Equity 0.15892
Revenue Growth 0.258
Revenue Per Share 4.694
Sand P52 Week Change 0.16207206
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 3
Shares Outstanding 143,319,824
Shares Percent Shares Out 0.0645
Shares Short 9,244,704
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 8,510,783
Short Name First Financial Bankshares, Inc
Short Percent Of Float 0.0857
Short Ratio 11.56
Source Interval 15
State TX
Symbol FFIN
Target High Price 39.0
Target Low Price 34.0
Target Mean Price 36.0
Target Median Price 36.0
Total Cash 474,472,000
Total Cash Per Share 3.31
Total Debt 64,942,000
Total Revenue 672,481,984
Tradeable 0
Trailing Annual Dividend Rate 0.82
Trailing Annual Dividend Yield 0.026545808
Trailing Eps 1.87
Trailing P E 16.893047
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 32.55185
Two Hundred Day Average Change -0.9618492
Two Hundred Day Average Change Percent -0.02954822
Type Disp Equity
Volume 802,480
Website https://www.ffin.com
Zip 79,601