FFIN:NSD-First Financial Bankshares Inc (USD)

COMMON STOCK | Banks - Regional |

Last Closing

USD 38.1

Change

-0.74 (-1.91)%

Market Cap

USD 5.25B

Volume

1.64M

Analyst Target

USD 28.60
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

First Financial Bankshares, Inc., through its subsidiaries, provides commercial banking products and services in Texas. The company offers checking, savings and time deposits; automated teller machines, drive-in, and night deposit services; safe deposit facilities, remote deposit capture, internet banking, mobile banking, payroll cards, funds transfer, and performing other customary commercial banking services; securities brokerage services; and trust and wealth management services, including wealth management, estates administration, oil and gas management, testamentary trusts, revocable and irrevocable trusts, and agency accounts. It also provides commercial and industrial, municipal, agricultural, construction and development, farm, residential, and consumer auto and non-auto, as well as non-owner occupied and owner occupied commercial real estate loans. In addition, the company offers advisory and specialized services related to asset management, investing, purchasing, advertising, public relations, and technology services. First Financial Bankshares, Inc. was founded in 1890 and is headquartered in Abilene, Texas.

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

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Relative Returns (From:    To: 2024-09-20 )

Largest Industry Peers for Banks - Regional

Symbol Name Price(Change) Market Cap
FITB Fifth Third Bancorp

-0.40 (-0.92%)

USD 28.44B
FCNCA First Citizens BancShares Inc

+25.61 (+1.32%)

USD 26.34B
HBAN Huntington Bancshares Incorpor..

-0.10 (-0.67%)

USD 20.89B
FITBI Fifth Third Bancorp

+0.03 (+0.12%)

USD 18.36B
EWBC East West Bancorp Inc

-0.65 (-0.78%)

USD 11.02B
CBSH Commerce Bancshares Inc

-1.83 (-2.87%)

USD 7.99B
PNFP Pinnacle Financial Partners In..

-0.57 (-0.57%)

USD 7.33B
SSB SouthState Corporation

-2.85 (-2.80%)

USD 7.24B
BPOP Popular Inc

-1.59 (-1.56%)

USD 7.06B
WTFC Wintrust Financial Corporation

-1.94 (-1.76%)

USD 6.99B

ETFs Containing FFIN

QABA First Trust NASDAQ® ABA .. 2.94 % 0.60 %

-1.24 (-2.24%)

USD 0.11B
KBWR Invesco KBW Regional Bank.. 2.13 % 0.35 %

-1.26 (-2.24%)

USD 0.05B
KBE SPDR® S&P Bank ETF 0.00 % 0.35 %

-0.89 (-2.24%)

N/A

Market Performance

  Market Performance vs. Industry/Classification (Banks - Regional) Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 25.74% 89% A- 83% B
Dividend Return 1.78% 25% F 43% F
Total Return 27.52% 88% B+ 83% B
Trailing 12 Months  
Capital Gain 50.89% 83% B 85% B
Dividend Return 2.14% 16% F 34% F
Total Return 53.03% 82% B 85% B
Trailing 5 Years  
Capital Gain 14.55% 62% D 59% D-
Dividend Return 8.84% 16% F 33% F
Total Return 23.39% 56% F 57% F
Average Annual (5 Year Horizon)  
Capital Gain 3.93% 50% F 55% F
Dividend Return 5.49% 44% F 55% F
Total Return 1.56% 15% F 39% F
Risk Return Profile  
Volatility (Standard Deviation) 37.49% 24% F 49% F
Risk Adjusted Return 14.64% 32% F 51% F
Market Capitalization 5.25B 95% A 88% B+

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters than its peers, placing it in the top quartile.

High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.