FFIN
First Financial Bankshares, Inc.
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Last price
34.13
▼ 0.10 (0.29%)
MARKET · —
Price
Open
34.66
Prev close
34.23
Day high
34.68
Day low
33.98
Volume
735.02K
Market cap
$4.89B
P/E (TTM)
18.25
52W range
28.12 – 38.12
Trailing performance
Returnvs SPY
1W
-3.26%
-1.9%
1M
-1.07%
-4.8%
3M
+6.03%
+2.9%
6M
+2.40%
-8.7%
YTD
+14.26%
+2.0%
1Y
-4.50%
-24.5%
3Y
+15.58%
-58.6%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap$4.89B
Enterprise value$4.63B
Revenue (TTM)$637.20M
Gross profit$637.20M
EBITDA—
Net income$269.01M
EPS (TTM)$1.87
Free cash flow—
Total cash$307.37M
Total debt$75.63M
Book value / share$14.03
Shares outstanding143.33M
Float136.90M
Short % of float7.86%
Dividend yield2.58%
Beta (5Y)0.83
Valuation & profitability ratios
Trailing P/E18.25
Forward P/E15.80
PEG ratio2.55
Price / sales—
Price / book2.43
EV / revenue7.26
EV / EBITDA—
Gross margin0.00%
Operating margin55.96%
Profit margin42.22%
Return on equity14.41%
Return on assets1.81%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Total revenue | $644.35M | $550.73M | $503.36M | $538.03M |
| Cost of revenue | $0 | $0 | $0 | $0 |
| Gross profit | $0 | $0 | $0 | $0 |
| R&D | — | — | — | — |
| SG&A | — | — | — | — |
| Operating income | — | — | — | — |
| Pre-tax income | — | — | — | — |
| Tax provision | $0 | $0 | $0 | $0 |
| Net income | $253.58M | $223.51M | $198.98M | $234.47M |
| EBIT | $0 | $0 | $0 | $0 |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Cash & equivalents | — | — | — | — |
| Short-term investments | — | — | — | — |
| Net receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Total current assets | — | — | — | — |
| Total assets | — | — | — | — |
| Total current liabilities | — | — | — | — |
| Long-term debt | — | — | — | — |
| Total liabilities | — | — | — | — |
| Retained earnings | — | — | — | — |
| Shareholder equity | — | — | — | — |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Net income | $253.58M | $223.51M | $198.98M | $234.47M |
| Depreciation | — | — | — | — |
| Change in working capital | — | — | — | — |
| Operating cash flow | — | — | — | — |
| Capital expenditure | — | — | — | — |
| Investing cash flow | — | — | — | — |
| Dividends paid | — | — | — | — |
| Buybacks | — | — | — | — |
| Financing cash flow | — | — | — | — |
| Net change in cash | — | — | — | — |
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.50 | 0.50 | -0.8% |
| Mar 2026 | 0.47 | 0.50 | +5.8% |
| Dec 2025 | 0.48 | 0.51 | +5.8% |
| Sep 2025 | 0.47 | 0.36 | -23.4% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.52 | 5 | $178.67M | +8.5% |
| Next quarter | 0.53 | 5 | $180.79M | +7.3% |
| Current year | 2.05 | 5 | $704.86M | +9.4% |
| Next year | 2.16 | 5 | $747.41M | +6.0% |
Analyst targets & ownership
Mean target$37.00
High target$39.00
Low target$35.00
Implied upside8.41%
Analyst count5
ConsensusHOLD
Strong buy / Buy0 / 1
Hold4
Sell / Strong sell0 / 0
Held by insiders3.62%
Held by institutions72.17%
Institutions holding469
Price targets, consensus spread, insider and institutional ownership.
Insider net activity
Net shares
+110.58K
Net buying
Buy transactions
45
125.58K shares
Sell transactions
1
15.00K shares
Net transactions
+46
Buys less sells
Sell : buy shares
0.1 : 1
Mixed
Insider-held shares
5.16M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 17, 26 | BUTLER RONALD DAVID II Officer |
CONVERSION | 5.00K | $105.90K | Direct |
| Aug 17, 26 | BIEBIGHAUSER LON A Officer |
STOCK | 570 | $0 | Direct |
| Aug 17, 26 | BUTLER RONALD DAVID II Officer |
SELL | 15.00K | $524.25K | Direct |
| Aug 14, 26 | MCVEY J KYLE Officer |
CONVERSION | 4.00K | $84.72K | Direct |
| Aug 14, 26 | DUESER FREDERICK SCOTT Officer and Director |
STOCK | 12.76K | $0 | Indirect |
| Aug 14, 26 | LONGHOFER T LUKE Officer |
STOCK | 3.06K | $0 | Direct |
| Aug 14, 26 | MCVEY J KYLE Officer |
STOCK | 2.44K | $0 | Direct |
| Aug 14, 26 | BAILEY DAVID WILLIAM Chief Executive Officer |
STOCK | 7.94K | $0 | Direct |
| Aug 14, 26 | GOODRICH BRIAN D. General Counsel |
STOCK | 1.81K | $0 | Direct |
| Aug 14, 26 | BIEBIGHAUSER LON A Officer |
STOCK | 1.43K | $0 | Direct |
| Aug 14, 26 | BROWN TIMOTHY MICHAEL Chief Technology Officer |
STOCK | 1.81K | $0 | Direct |
| Aug 14, 26 | ROEWE RANDALL ALLEN Officer |
STOCK | 1.98K | $0 | Direct |
| Jul 24, 26 | NICKLES ROBERT CLARK JR Director |
BUY | 700 | $24.42K | Indirect |
| Jun 11, 26 | EDWARDS MURRAY HAMILTON Director |
BUY | 1.00K | $33.18K | Indirect |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BUTLER RONALD DAVID II |
Officer | 157.22K | Conversion of Exercise of derivative security |
COPELAND DAVID L |
Director | 288.90K | Stock Award(Grant) |
DENNY MICHAEL B |
Director | — | Stock Award(Grant) |
DUESER FREDERICK SCOTT |
Officer and Director | — | Stock Award(Grant) |
EDWARDS MURRAY HAMILTON |
Director | — | Purchase |
LANCASTER IVAN TIM |
Director | 41.80K | Stock Award(Grant) |
MATTHEWS KADE L |
Director | 1.29M | Stock Award(Grant) |
NICKLES ROBERT CLARK JR |
Director | — | Purchase |
THAXTON KIRK W. |
Officer | 89.13K | Stock Gift |
TROTTER JOHNNY E |
Director | 1.02M | Purchase |
Moving averages & technicals
SMA 10
34.65
-1.50% from price
SMA 20
34.85
-2.08% from price
SMA 50
34.58
-1.29% from price
SMA 100
33.23
+2.72% from price
SMA 200
32.29
+5.69% from price
EMA 12
34.62
-1.41% from price
EMA 26
34.68
-1.59% from price
EMA 50
34.35
-0.63% from price
RSI (14)
42.8
Neutral
MACD (12,26,9)
-0.06
Hist -0.14
ATR (14)
0.55
1.60% of price
Realised vol 30D
19.8%
Annualised
Bollinger upper
35.70
20, 2σ
Bollinger lower
34.01
20, 2σ
50 / 200 cross
Golden
34.58 vs 32.29
Trend bias
Above 200
+5.69%
Risk profile
Beta vs SPY
0.59
Less volatile than market
Correlation to SPY
0.30
Loosely linked
Realised vol 30D
19.8%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-24.7%
Peak to trough
Max drawdown 5Y
-57.6%
Peak to trough
ATR 14
0.55
1.60% of price
Beta (reported)
0.83
5Y monthly, from filing
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Options analytics
Put / call volume
0.00
Call-heavy session
Put / call open interest
0.07
Positioning, not flow
Max pain
30.00
-12.1% from spot
ATM implied vol
27.7%
Nearest strike to spot
Skew (10% OTM)
+43.7%
Puts bid over calls
Call volume
22
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
40.00
11 contracts
Heaviest put OI
30.00
1 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Headlines
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First Financial Bankshares (FFIN) Meets Q2 Earnings Estimates
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PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.