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How to buy First Financial Bankshares stock | $35.18

Own First Financial Bankshares stock in just a few minutes.

Fact checked

First Financial Bankshares, Inc is a banks-regional business based in the US. First Financial Bankshares shares (FFIN) are listed on the NASDAQ and all prices are listed in US Dollars. First Financial Bankshares employs 1,450 staff and has a trailing 12-month revenue of around USD$437.7 million.

How to buy shares in First Financial Bankshares

  1. Compare share trading platforms. If you're a beginner, look for a platform with low commissions, expert ratings and investment tools to track your portfolio. Narrow down top brands with our comparison table.
  2. Open and fund your brokerage account. Complete an application with your personal and financial details, like your ID and bank information. Fund your account with a bank transfer, credit card or debit card.
  3. Search for First Financial Bankshares. Find the stock by name or ticker symbol: FFIN. Research its history to confirm it's a solid investment against your financial goals.
  4. Purchase now or later. Buy today with a market order or use a limit order to delay your purchase until First Financial Bankshares reaches your desired price. To spread out your purchase, look into dollar-cost averaging, which smooths out buying at consistent intervals and amounts.
  5. Decide on how many to buy. At last close price of USD$35.18, weigh your budget against a diversified portfolio that can minimize risk through the market's ups and downs. You may be able to buy a fractional share of First Financial Bankshares, depending on your broker.
  6. Check in on your investment. Congratulations, you own a part of First Financial Bankshares. Optimize your portfolio by tracking how your stock — and even the business — performs with an eye on the long term. You may be eligible for dividends and shareholder voting rights on directors and management that can affect your stock.

First Financial Bankshares share price

Use our graph to track the performance of FFIN stocks over time.

First Financial Bankshares shares at a glance

Information last updated 2020-12-27.
Latest market closeUSD$35.18
52-week rangeUSD$20.3409 - USD$36.43
50-day moving average USD$34.4503
200-day moving average USD$30.9175
Wall St. target priceUSD$33.2
PE ratio 27.2845
Dividend yield USD$0.52 (1.45%)
Earnings per share (TTM) USD$1.311

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The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.

Is it a good time to buy First Financial Bankshares stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

First Financial Bankshares price performance over time

Historical closes compared with the close of $35.18 from 2020-12-18

1 week (2021-01-13) -11.05%
1 month (2020-12-21) -0.26%
3 months (2020-10-20) 17.38%
6 months (2020-07-20) 25.60%
1 year (2020-01-17) 0.73%
2 years (2019-01-18) -44.21%
3 years (2018-01-19) 47.35
5 years (2016-01-20) 33.92%

Is First Financial Bankshares under- or over-valued?

Valuing First Financial Bankshares stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of First Financial Bankshares's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

First Financial Bankshares's P/E ratio

First Financial Bankshares's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 27x. In other words, First Financial Bankshares shares trade at around 27x recent earnings.

That's comparable to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29).

First Financial Bankshares's PEG ratio

First Financial Bankshares's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 2.69. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.

The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into First Financial Bankshares's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.

First Financial Bankshares financials

Revenue TTM USD$437.7 million
Operating margin TTM 53.6%
Gross profit TTM USD$394.6 million
Return on assets TTM 1.98%
Return on equity TTM 13.1%
Profit margin 42.25%
Book value $11.471
Market capitalisation USD$5.1 billion

TTM: trailing 12 months

Shorting First Financial Bankshares shares

There are currently 5.3 million First Financial Bankshares shares held short by investors – that's known as First Financial Bankshares's "short interest". This figure is 6.4% up from 5.0 million last month.

There are a few different ways that this level of interest in shorting First Financial Bankshares shares can be evaluated.

First Financial Bankshares's "short interest ratio" (SIR)

First Financial Bankshares's "short interest ratio" (SIR) is the quantity of First Financial Bankshares shares currently shorted divided by the average quantity of First Financial Bankshares shares traded daily (recently around 382878.34302326). First Financial Bankshares's SIR currently stands at 13.76. In other words for every 100,000 First Financial Bankshares shares traded daily on the market, roughly 13760 shares are currently held short.

However First Financial Bankshares's short interest can also be evaluated against the total number of First Financial Bankshares shares, or, against the total number of tradable First Financial Bankshares shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case First Financial Bankshares's short interest could be expressed as 0.04% of the outstanding shares (for every 100,000 First Financial Bankshares shares in existence, roughly 40 shares are currently held short) or 0.0469% of the tradable shares (for every 100,000 tradable First Financial Bankshares shares, roughly 47 shares are currently held short).

A SIR above 10% would generally be considered pretty high, pointing to a potentially pessimistic outlook for the share price and a discouraging interest in betting against First Financial Bankshares.

Find out more about how you can short First Financial Bankshares stock.

First Financial Bankshares share dividends

39%

Dividend payout ratio: 39.04% of net profits

Recently First Financial Bankshares has paid out, on average, around 39.04% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 1.45% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), First Financial Bankshares shareholders could enjoy a 1.45% return on their shares, in the form of dividend payments. In First Financial Bankshares's case, that would currently equate to about $0.52 per share.

While First Financial Bankshares's payout ratio might seem fairly standard, it's worth remembering that First Financial Bankshares may be investing much of the rest of its net profits in future growth.

First Financial Bankshares's most recent dividend payout was on 4 January 2021. The latest dividend was paid out to all shareholders who bought their shares by 15 December 2020 (the "ex-dividend date").

Have First Financial Bankshares's shares ever split?

First Financial Bankshares's shares were split on a 2:1 basis on 4 June 2019. So if you had owned 1 share the day before before the split, the next day you'd have owned 2 shares. This wouldn't directly have changed the overall worth of your First Financial Bankshares shares – just the quantity. However, indirectly, the new 50% lower share price could have impacted the market appetite for First Financial Bankshares shares which in turn could have impacted First Financial Bankshares's share price.

First Financial Bankshares share price volatility

Over the last 12 months, First Financial Bankshares's shares have ranged in value from as little as $20.3409 up to $36.43. A popular way to gauge a stock's volatility is its "beta".

FFIN.US volatility(beta: 1)Avg. volatility(beta: 1.00)LowHigh

Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while First Financial Bankshares's is 0.9953. This would suggest that First Financial Bankshares's shares are less volatile than average (for this exchange).

First Financial Bankshares overview

First Financial Bankshares, Inc., through its subsidiaries, provides commercial banking products and services in Texas. The company accepts checking, savings, and time deposits; and offers real estate, commercial, agricultural, and consumer loans to businesses, professionals, individuals, and farm and ranch operations. It also provides drive-in and night deposit, remote deposit capture, Internet and mobile banking, payroll card, transmitting funds, and other customary commercial banking services, as well as automated teller machines and safe deposit facilities. In addition, the company offers personal trust services, including wealth management, administration of estates, testamentary trusts, revocable and irrevocable trusts, and agency accounts; and securities brokerage services, as well as administer retirement and employee benefit accounts, such as 401(k) profit sharing plans and IRAs. Further, the company provides asset management and technology services. As of January 1, 2020, it had 78 financial centers across Texas. First Financial Bankshares, Inc. was founded in 1890 and is headquartered in Abilene, Texas.

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