First Financial Bankshares, Inc. (FFIN) fair value analysis
Nasdaq · Updated 2026-10-19
FFIN price how computed
Forward Fair Value verdict
UndervaluedFFIN is trading at more than a 25% discount to estimated fair value.
Based on TickrTrends' weekly Forward Fair Value model.
- Last price
- $30.47
- Sector
- Financial Services
- 12-month range
- $28.59–$36.50
- Market cap
- $4.37B
- From 52-week high
- -16.5%
- Shares outstanding
- 143M
- Rank in Financial Services by discount to fair value
- #24 of 167
Last price is our stored weekly price from 2026-10-16, older than the 2026-10-19 run that built this page; the chart runs through 2026-10-16.
First Financial Bankshares, Inc. is a bank holding company that provides commercial banking, consumer banking, and wealth management services through its subsidiary banks. The company operates primarily in Texas and Oklahoma through a network of community banks.
FFIN currently ranks #24 of 167 Financial Services stocks by discount to fair value. It has screened as Undervalued for 14 consecutive weekly runs.
Fundamentals (4 quarters) how computed
- Market cap
- $4.37B
- P/E (trailing)
- 15x
- Revenue (TTM)
- $878M
- Net margin
- 33.2%
- EPS (TTM)
- $2.03
- Gross margin
- 76.6%
- Debt / equity
- 0.04
- Revenue growth (3-yr avg)
- 13.2%
- Shares outstanding
- 143M
Derived indicators how computed
- Quality grade
- B
- Margin trend
- Expanding
- 52-week position
- The bottom quarter of its range
Technicals how computed
- RSI (14-day)
- 31 · neutral
- 50-day average
- $32.92
- 200-day average
- $32.55
- Moving-average state
- 50-day above 200-day (golden cross state); price between the averages
Dividends how computed
- Paid, last 12 months
- $0.82 per share (4 payments)
- Yield on last price
- 2.69%
- Consecutive years of increases
- 5
- Last ex-dividend date
- 2026-09-14
- Last payment date
- 2026-10-01
Earnings how computed
- Last 8 quarters vs consensus
- 4 beat, 1 missed
- Quarter by quarter
- 2026-09 ▬ met (0.0%)
2026-06 ▬ met (0.0%)
2026-03 ▲ beat (+6.4%)
2025-12 ▲ beat (+6.3%)
2025-09 ▼ miss (-23.4%)
2025-06 ▲ beat (+6.8%)
2025-03 ▬ met (0.0%)
2024-12 ▲ beat (+7.5%)
Analyst consensus how computed
This is not TickrTrends' verdict.
- Analyst ratings
- 1 buy · 6 hold · 0 sell (7 analysts)
- Consensus lean
- Hold-leaning
- Consensus price target
- $35.4
- Target vs last price
- +16.2%
What our data shows for FFIN
- Our model validated 17 trailing price-to-earnings windows for FFIN, built from quarterly earnings records.
- Shares are trading in the lower third of their 12-month price range of $28.59–$36.50.
- The 14-day relative strength index sits at a neutral 31.
The exact numbers are one step away
- The precise Forward Fair Value dollar figure for FFIN
- Exact discount / premium to today's price
- The normalized historical P/E behind the estimate, and how many quarters support it
- Forward EPS input and fiscal-year basis
- Screeners and rankings across the full S&P 500 and Nasdaq universes
Forward Fair Value applies a conservatively normalized historical price-to-earnings multiple to the consensus earnings estimate for the next full fiscal year; how TickrTrends computes it.
Recent FFIN news
TickrTrends' derived news-sentiment signal for FFIN is currently leaning positive, computed from recent coverage.
- FFIN Maintained by Piper Sandler -- Price Target Lowered to $33.00 (gurufocus.com, 2026-10-19)
TickrTrends take: Piper Sandler's reduced price target for FFIN arrives while TickrTrends rates the stock as undervalued, creating a potential disconnect that warrants examination by value-focused investors. The analyst's downward revision may reflect near-term operational or market concerns that differ from the broader valuation metrics driving the undervalued assessment in the Financial Services sector. Investors tracking FFIN should monitor whether additional analyst moves follow this adjustment or if the gap between the price target and undervalued designation narrows through earnings or market developments. - First Financial Bankshares Inc (FFIN) Shares Fall 3.5% -- What GF Score of 71 Tells Investors (gurufocus.com, 2026-10-17)
TickrTrends take: First Financial Bankshares Inc trades in the Financial Services sector where valuation metrics carry particular weight for investors assessing capital efficiency and asset quality. The recent share decline occurs against a backdrop where TickrTrends currently identifies FFIN as undervalued, suggesting the stock price may not fully reflect underlying fundamentals relative to comparable institutions in its sector. A GF Score of 71 indicates moderate fundamental strength, which combined with the undervalued designation, warrants attention to whether the recent weakness presents a tactical opportunity or signals emerging concerns about the company's earnings power and balance sheet. - FFIN Initiates Coverage On by Raymond James -- Rating Set to Market Perform (gurufocus.com, 2026-10-15)
TickrTrends take: Raymond James initiated coverage of FFIN with a Market Perform rating, which represents a neutral stance on the stock's near-term direction. Given that TickrTrends currently derives an Undervalued verdict for the Financial Services company, valuation-focused readers should monitor whether the analyst's neutral rating reflects concerns about valuation multiples or instead suggests the stock has already captured its fair value recovery. The initiation of coverage by a major brokerage typically increases institutional attention to a security, which could influence how the market prices FFIN relative to its fundamentals going forward.
More FFIN news
- FFIN Maintains Neutral Rating -- Price Target Lowered to $34.00 by Cantor Fitzgerald (gurufocus.com, 2026-10-14)
- First Financial Bankshares Inc's Dividend Analysis (gurufocus.com, 2026-09-14)
- FFIN Initiated Coverage by Hovde Group -- Rating Market Perform (gurufocus.com, 2026-09-11)
- Regional Bank Director Loads Up on Company Stock, Buys 3,000 Shares (finance.yahoo.com, 2026-09-02)
What people are saying
Follow the FFIN conversation: Stocktwits · Reddit · X
TickrTrends weekly updates
- 2026-10-19 — TickrTrends' derived indicators for FFIN show mixed movement this week. The gross-margin trend has improved from stable to expanding, while the quality grade declined from A to B, and the relative strength index zone moved from oversold to neutral territory. The current valuation verdict remains undervalued.
- 2026-10-12 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-11 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-10 — TickrTrends' derived indicators for FFIN showed a shift this week as the RSI zone moved from neutral territory into oversold conditions. This change suggests that selling pressure in the Financial Services sector stock has intensified relative to buying pressure. The current valuation verdict remains Undervalued.
- 2026-10-05 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-28 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-21 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-17 — No material change this week: the verdict, bands and grades all held steady.
Frequently asked questions
Is FFIN stock undervalued?
Based on TickrTrends' Forward Fair Value model (updated 2026-10-19), FFIN is trading at more than a 25% discount to estimated fair value and screens as undervalued. The exact fair value and discount are available to subscribers.
What is FFIN's TickrTrends verdict?
FFIN's current verdict is Undervalued, refreshed with every weekly Forward Fair Value run.
How does FFIN compare to other Financial Services stocks?
FFIN ranks #24 of 167 Financial Services stocks in TickrTrends' coverage by discount to fair value.
Is FFIN overbought or oversold?
FFIN's 14-day RSI is in neutral territory - neither overbought nor oversold.
Does FFIN pay a dividend?
Yes. FFIN paid $0.82 per share over the last twelve months (4 payments), a 2.69% yield on TickrTrends' last price, and has raised the annual total for 5 consecutive years. The last ex-dividend date was 2026-09-14.
Does FFIN usually beat earnings estimates?
Over its last 8 reported quarters FFIN beat the consensus estimate 4 times and missed 1 times, by TickrTrends' comparison of reported and estimated EPS.
What do analysts say about FFIN?
Of 7 analysts covering FFIN, 1 rate it a buy, 6 a hold and 0 a sell - hold-leaning, with a consensus price target of $35.4 (+16.2% versus TickrTrends' last price). This is the analyst consensus, not TickrTrends' Forward Fair Value verdict.
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