FFIN

What does First Financial Bankshares do?

First Financial Bankshares provides commercial banking services exclusively in Texas. It accepts deposits, extends loans to businesses and agricultural operators, and offers trust, wealth management, and brokerage services. The bank operates dozens of financial centers across the state and also provides mobile and internet banking platforms.

Does FFIN pay dividends?

Yes, First Financial Bankshares pays a regular dividend. The company has a long history as a community-oriented bank, and returning capital to shareholders through dividends is consistent with that model. Income-focused investors often include FFIN when screening for dividend-paying regional bank stocks.

When does FFIN report earnings?

FFIN reports on a quarterly cadence, as is standard for US-listed bank holding companies. The exact dates for upcoming quarters are published on the company's investor relations page, which is the most reliable source for confirmed reporting schedules.

Is FFIN a good stock to buy?

UQS Score rates FFIN as Good overall. The Quality and Risk pillars are highlights, while Moat and Growth rate Weak. Whether that profile fits your portfolio depends on your priorities — the full pillar breakdown is available to UQS Pro members.

Is FFIN overvalued?

The UQS Valuation pillar rates FFIN as Good, suggesting the stock is not significantly overpriced relative to its fundamentals. That said, valuation is one of five pillars — viewing it alongside Quality, Growth, Moat, and Risk gives a more complete picture.

How does FFIN compare to its competitors?

FFIN operates entirely within Texas, which distinguishes it from peers like Associated Banc-Corp (Midwest-focused) and Eastern Bankshares (New England). Texas Capital Bancshares shares the same state but targets larger commercial clients. Each bank carries a different UQS profile — see the comparison tool for side-by-side pillar ratings.

What is FFIN's market cap bracket?

First Financial Bankshares is classified as a mid-cap stock. This places it in a range that typically offers more liquidity than small-cap regional banks while remaining smaller than the large national banking institutions that dominate the sector.

Who founded First Financial Bankshares?

First Financial Bankshares traces its origins to 1890, making it one of the older community banking institutions in Texas. Detailed founding history, including early leadership, is publicly available through the company's official history and investor relations materials.

Is FFIN a long-term quality stock?

From a quality standpoint, FFIN's Strong Quality pillar and Good Risk rating suggest a disciplined, well-managed operation — characteristics that matter over longer holding periods. However, the Weak Moat and Weak Growth ratings are worth monitoring, as sustained competitive advantage and earnings expansion are key to long-term compounding.

What is the main competitive advantage of First Financial Bankshares?

FFIN's primary edge appears to be operational quality and a deep-rooted presence in Texas communities, particularly in agricultural and commercial lending. However, the UQS Moat pillar rates Weak, indicating that structural competitive advantages — such as switching costs or pricing power — are limited relative to broader sector peers.

What sector does FFIN belong to?

FFIN belongs to the Financial Services sector, specifically within regional banking. It operates as a bank holding company, generating income through net interest margin on loans and deposits, as well as fee-based services like trust administration and brokerage.

Is FFIN a growth stock or value stock?

Based on its UQS profile, FFIN leans toward the value end of the spectrum. The Growth pillar rates Weak, suggesting limited near-term expansion momentum, while the Valuation pillar rates Good — meaning the stock is not priced for aggressive growth expectations.

First Financial Bankshares, Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.

First Financial Bankshares, Inc. shows steady but unspectacular growth, typical for mature companies.

First Financial Bankshares, Inc. has some risk factors including moderate leverage or solvency concerns.

First Financial Bankshares, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.

First Financial Bankshares, Inc. possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for FFIN.

The UQS (Unified Quality Score) for First Financial Bankshares, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses First Financial Bankshares, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether First Financial Bankshares, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.