FFIN
First Financial Bankshares, Inc.
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Neutral
-8/100
Last price
31.60
▼ 0.43 (1.34%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
32.20
Prev close
32.03
Day high
32.28
Day low
31.82
Volume
648.20K
Market cap
$4.58B
P/E (TTM)
17.16
52W range
28.12 – 36.52
Day trading desk
Gap from prior close
+0.53%
Prior close 32.03
VWAP
31.94
-1.06% from price
Relative volume
1.14×
Normal
Session range
2.15%
31.60 – 32.28
Position in range
0%
Near session low
ATR (14D)
0.62
1.98% of price
Prior day high
32.20
PDH
Prior day low
31.73
PDL
Bid / ask spread
—
Quote not published
Session volume
854.63K
Avg 752.88K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+0.60%
-1.3%
1M
-4.55%
-5.7%
3M
-6.06%
-10.6%
6M
+4.59%
-13.6%
YTD
+6.86%
-7.4%
1Y
-4.72%
-21.1%
3Y
+27.07%
-55.2%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
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.
Free account
5 more panels on FFIN open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+65.11K
Net buying
Buy transactions
31
80.11K shares
Sell transactions
1
15.00K shares
Net transactions
+32
Buys less sells
Sell : buy shares
0.2 : 1
Mixed
Insider-held shares
5.16M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 9, 26 | LONGHOFER T LUKE Officer |
STOCK | 950 | $0 | Direct |
| Sep 8, 26 | LONGHOFER T LUKE Officer |
CONVERSION | 2.30K | $55.53K | Direct |
| Aug 18, 26 | DENNY MICHAEL B Director |
BUY | 3.00K | $103.98K | Indirect |
| 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 | ROEWE RANDALL ALLEN Officer |
STOCK | 1.98K | $0 | Direct |
| 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 |
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 | — | Purchase |
DUESER FREDERICK SCOTT |
Officer and Director | — | Stock Award(Grant) |
EDWARDS MURRAY HAMILTON |
Director | — | Purchase |
LONGHOFER T LUKE |
Officer | 43.15K | Stock Gift |
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 |
Fundamentals
Market cap$4.58B
Enterprise value$4.31B
Revenue (TTM)$637.20M
Gross profit$637.20M
EBITDA—
Net income$269.01M
EPS (TTM)$1.86
Free cash flow—
Total cash$307.37M
Total debt$75.63M
Book value / share$14.03
Shares outstanding143.33M
Float136.90M
Short % of float8.37%
Dividend yield2.74%
Beta (5Y)0.83
Valuation & profitability ratios
Trailing P/E17.16
Forward P/E14.81
PEG ratio2.55
Price / sales—
Price / book2.28
EV / revenue6.77
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 | YoY |
|---|---|---|---|---|---|
| Total revenue | $617.11M | $537.04M | $478.05M | $519.83M | +14.9% |
| Operating revenue | $617.11M | $537.04M | $478.05M | $519.83M | +14.9% |
| Selling, general & admin | $187.59M | $165.57M | $144.99M | $143.21M | +13.3% |
| Pre-tax income | $309.60M | $271.85M | $243.30M | $280.87M | +13.9% |
| Tax provision | $56.02M | $48.34M | $44.32M | $46.40M | +15.9% |
| Net income | $253.58M | $223.51M | $198.98M | $234.47M | +13.5% |
| Net income to common | $253.58M | $223.51M | $198.98M | $234.47M | +13.5% |
| Basic EPS | 1.77 | 1.56 | 1.39 | 1.64 | +13.5% |
| Diluted EPS | 1.77 | 1.56 | 1.39 | 1.64 | +13.5% |
| Basic shares | 143.07M | 142.82M | 142.69M | 142.60M | +0.2% |
| Diluted shares | 143.45M | 143.23M | 142.94M | 143.21M | +0.2% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $1.08B | $763.41M | $536.59M | $330.68M | +41.0% |
| Property, plant & equipment | $149.99M | $151.90M | $151.79M | $152.97M | -1.3% |
| Goodwill & intangibles | $313.65M | $314.00M | $314.62M | $315.53M | -0.1% |
| Total assets | $15.45B | $13.98B | $13.11B | $12.97B | +10.5% |
| Long-term debt | $21.05M | $121.05M | $21.05M | $21.05M | -82.6% |
| Total debt | $21.05M | $121.05M | $21.05M | $21.05M | -82.6% |
| Total liabilities | $13.53B | $12.37B | $11.61B | $11.71B | +9.3% |
| Retained earnings | $1.49B | $1.34B | $1.22B | $1.12B | +10.9% |
| Shareholder equity | $1.92B | $1.61B | $1.50B | $1.27B | +19.3% |
| Net tangible assets | $1.60B | $1.29B | $1.18B | $950.20M | +24.1% |
| Shares issued | 143.21M | 142.94M | 142.72M | 142.66M | +0.2% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $253.58M | $223.51M | $198.98M | $234.47M | +13.5% |
| Depreciation & amortisation | $13.65M | $13.43M | $12.58M | $12.76M | +1.7% |
| Stock-based compensation | $6.92M | $4.93M | $4.26M | $3.96M | +40.2% |
| Change in working capital | -$41.27M | $9.91M | $529.00K | -$5.66M | -516.4% |
| Operating cash flow | $299.44M | $309.64M | $284.82M | $324.27M | -3.3% |
| Capital expenditure | -$13.44M | -$16.72M | -$17.25M | -$15.78M | +19.6% |
| Investing cash flow | -$1.02B | -$736.88M | $127.29M | -$838.00M | -37.9% |
| Share buybacks | $0 | $0 | -$2.74M | -$9.45M | — |
| Dividends paid | -$106.00M | -$102.91M | -$99.97M | -$91.31M | -3.0% |
| Financing cash flow | $1.03B | $654.06M | -$206.20M | $315.82M | +57.7% |
| Free cash flow | $286.01M | $292.92M | $267.57M | $308.49M | -2.4% |
| End cash position | $1.08B | $763.41M | $536.59M | $330.68M | +41.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $169.48M | $163.52M | $161.21M | $157.53M | $153.01M | +3.6% |
| Operating revenue | $169.48M | $163.52M | $161.21M | $157.53M | $153.01M | +3.6% |
| Selling, general & admin | $53.24M | $49.22M | $50.62M | $45.81M | $45.79M | +8.2% |
| Pre-tax income | $87.47M | $87.83M | $89.55M | $63.16M | $81.74M | -0.4% |
| Tax provision | $15.57M | $16.29M | $16.24M | $10.90M | $15.08M | -4.4% |
| Net income | $71.89M | $71.54M | $73.31M | $52.27M | $66.66M | +0.5% |
| Net income to common | $71.89M | $71.54M | $73.31M | $52.27M | $66.66M | +0.5% |
| Basic EPS | 0.50 | 0.50 | 0.51 | 0.37 | 0.47 | 0.0% |
| Diluted EPS | 0.50 | 0.50 | 0.51 | 0.36 | 0.47 | 0.0% |
| Basic shares | 143.28M | 143.21M | 143.18M | 143.11M | 143.02M | +0.0% |
| Diluted shares | 143.70M | 143.61M | 143.54M | 143.47M | 143.02M | +0.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $571.73M | $723.05M | $1.08B | $639.05M | $699.61M | -20.9% |
| Property, plant & equipment | $155.56M | $150.99M | $149.99M | $149.65M | $149.00M | +3.0% |
| Goodwill & intangibles | $313.57M | $313.61M | $313.65M | $313.74M | $313.82M | -0.0% |
| Total assets | $15.31B | $15.39B | $15.45B | $14.84B | $14.38B | -0.5% |
| Long-term debt | $21.05M | $21.06M | $21.05M | $21.06M | $21.05M | -0.0% |
| Total debt | $21.05M | $21.06M | $21.05M | $21.06M | $21.05M | -0.0% |
| Total liabilities | $13.31B | $13.44B | $13.53B | $13.01B | $12.64B | -1.0% |
| Retained earnings | $1.57B | $1.53B | $1.49B | $1.44B | $1.42B | +2.6% |
| Shareholder equity | $2.00B | $1.94B | $1.92B | $1.83B | $1.74B | +2.7% |
| Net tangible assets | $1.68B | $1.63B | $1.60B | $1.52B | $1.42B | +3.3% |
| Shares issued | 142.38M | 143.28M | 143.21M | 143.19M | 143.08M | -0.6% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $71.89M | $71.54M | $73.31M | $52.27M | $66.66M | +0.5% |
| Depreciation & amortisation | $3.54M | $3.57M | $3.32M | $3.87M | $2.96M | -0.8% |
| Stock-based compensation | $2.00M | $1.90M | $1.86M | $1.60M | $1.53M | +5.0% |
| Change in working capital | -$7.96M | $14.26M | $2.00M | -$5.66M | -$34.54M | -155.8% |
| Operating cash flow | $83.73M | $101.64M | $74.89M | $86.46M | $61.27M | -17.6% |
| Capital expenditure | -$8.54M | -$4.14M | -$5.96M | -$2.79M | -$2.57M | -106.2% |
| Investing cash flow | -$73.52M | -$321.06M | -$132.21M | -$518.51M | -$223.11M | +77.1% |
| Dividends paid | -$27.25M | -$27.22M | -$27.26M | -$27.21M | -$25.77M | -0.1% |
| Financing cash flow | -$166.95M | -$121.44M | $484.51M | $374.49M | -$56.86M | -37.5% |
| Free cash flow | $75.19M | $97.50M | $68.92M | $83.67M | $58.70M | -22.9% |
| End cash position | $580.38M | $737.13M | $1.08B | $650.80M | $708.36M | -21.3% |
Options analytics
Put / call volume
0.13
Call-heavy session
Put / call open interest
0.19
Positioning, not flow
Max pain
30.00
-6.0% from spot
ATM implied vol
64.8%
Nearest strike to spot
Skew (10% OTM)
+3.7%
Puts bid over calls
Call volume
24
Contracts, this expiry
Put volume
3
Contracts, this expiry
Heaviest call OI
30.00
12 contracts
Heaviest put OI
25.00
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.
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 | 7 | $178.87M | +8.6% |
| Next quarter | 0.53 | 7 | $181.08M | +7.5% |
| Current year | 2.05 | 7 | $705.72M | +9.5% |
| Next year | 2.16 | 7 | $745.55M | +5.6% |
Analyst targets & ownership
Mean target$36.29
High target$39.00
Low target$35.00
Implied upside14.83%
Analyst count7
ConsensusHOLD
Strong buy / Buy0 / 1
Hold6
Sell / Strong sell0 / 0
Held by insiders3.62%
Held by institutions72.15%
Institutions holding469
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
31.99
-1.22% from price
SMA 20
32.49
-1.74% from price
SMA 50
33.58
-4.95% from price
SMA 100
33.59
-5.91% from price
SMA 200
32.55
-1.93% from price
EMA 12
32.16
-1.75% from price
EMA 26
32.63
-3.15% from price
EMA 50
33.10
-4.52% from price
RSI (14)
38.4
Neutral
MACD (12,26,9)
-0.47
Hist 0.01
ATR (14)
0.62
1.96% of price
Realised vol 30D
15.4%
Annualised
Bollinger upper
33.64
20, 2σ
Bollinger lower
31.33
20, 2σ
50 / 200 cross
Golden
33.58 vs 32.55
Trend bias
Below 200
-1.93%
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.
Risk profile
Beta vs SPY
0.53
Less volatile than market
Correlation to SPY
0.28
Largely independent
Realised vol 30D
15.4%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-17.8%
Peak to trough
Max drawdown 5Y
-57.6%
Peak to trough
ATR 14
0.62
1.96% of price
Beta (reported)
0.83
5Y monthly, from filing
Short interest
Shares short
9.03M
Prior 8.38M
Change vs prior
+7.8%
Shorts adding
% of float
8.37%
Normal
% of shares out
6.30%
Against total outstanding
Days to cover
14.0
Crowded exit
Float
136.90M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Sep 11, 26 | Hovde Group | INITIATED | — | Market Perform |
| Aug 27, 26 | Piper Sandler | INITIATED | Underweight | Neutral |
| Jul 15, 26 | Cantor Fitzgerald | MAINTAINED | Neutral | Neutral |
| Jun 25, 26 | Benchmark | INITIATED | — | Buy |
| Apr 9, 26 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Oct 24, 25 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Sep 10, 25 | Cantor Fitzgerald | INITIATED | — | Neutral |
| Jul 18, 25 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Apr 21, 25 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Jan 27, 25 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Dec 4, 24 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Oct 18, 24 | Stephens & Co. | MAINTAINED | Equal-Weight | Equal-Weight |
Dividends & splits
Forward rate$0.88 / yr
Forward yield2.74%
5-year avg yield1.92%
Payout ratio42.25%
Ex-dividend dateSep 14, 2026
Next pay dateOct 1, 2026
Last split2:1
Split dateJun 4, 2019
SEC filings
Annual Report of Proxy Voting Record of Registered Management Investment Companies filed on Form N-PX
N-PX · 2026-08-24
Periodic Financial Reports
10-Q · 2026-08-04
Corporate Changes & Voting Matters
8-K · 2026-07-31
Corporate Changes & Voting Matters
8-K · 2026-07-17
Periodic Financial Reports
10-Q · 2026-05-05
Corporate Changes & Voting Matters
8-K · 2026-04-30
Corporate Changes & Voting Matters
8-K · 2026-04-29
Corporate Changes & Voting Matters
8-K · 2026-04-17
Headlines
First Financial Bankshares Inc to Open Bee Cave Branch Near Austin
MT Newswires · 7d ago
FIRST FINANCIAL BANK TO OPEN FIRST FULL-SERVICE BRANCH IN AUSTIN AREA WITH NEW BEE CAVE BRANCH
PR Newswire · 7d ago
3 Reasons to Sell FFIN and 1 Stock to Buy Instead
StockStory · 13d ago
Is First Financial Bankshares (FFIN) A Bargain Following Its Recent Pullback?
Simply Wall St. · 13d ago
First Financial Bankshares (FFIN) Stock Looks Cheap Based On Equity Returns
Simply Wall St. · 13d ago
First Financial Bankshares (FFIN) is a Top Dividend Stock Right Now: Should You Buy?
Zacks · 16d ago
First Financial Bankshares Inc's Dividend Analysis
GuruFocus.com · 23d ago
Regional Banks Stocks Q2 Results: Benchmarking First Financial Bankshares (NASDAQ:FFIN)
StockStory · 26d ago
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.