First Financial Bankshares, Inc. FFIN | NASDAQ
$31.47
$0.58 | 1.88%
TREND SIGNAL:
|2026-08-20
|2026-08-20
Next Earnings: Oct 22, 2026
Company Overview:
Market Cap:
$4.49B
Trailing PE:
16.8x
FWD PE *:
14.9x
Payout Ratio (TTM):
40.5%
52-Week Range:
$28.12 - $36.52
* Forward PE is based on street estimates.
7.7 Year FFIN Performance Metrics:
Total Return (with DRIP):
19.5% (2.34% CAGR)
Total Return (no DRIP):
19.5% (2.34% CAGR)
Share Price:
3.0% (0.39% CAGR)
Yield on Cost (with DRIP):
3.34%
Total Invested:
$10,000
Total Value (with DRIP):
$11,953
Total Return $ (with DRIP):
$1,953
Dividend Increase:
83.3% (8.41% CAGR)
Dividend Yield (FWD):
2.80% ($0.88)
FFIN 7.7-yr Total Return ($10K invested)
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
FFIN Share Price
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
All
FFIN Price CAGR:1Y: -4.14%2Y: -9.10%5Y: -7.98%10Y: 0.39%
FFIN Dividend Charts
FFIN Dividend CAGR:1Y: 15.79%2Y: 10.55%5Y: 7.96%10Y: 9.35%
FFIN Dividend Payout Ratio CAGR:1Y: -1.98%2Y: -12.10%5Y: 2.93%10Y: -0.39%
FFIN Dividend to FCF Ratio CAGR:1Y: -17.46%2Y: -5.22%5Y: -3.27%10Y: -8.25%
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FFIN Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:
FFIN Revenue CAGR:1Y: -17.60%2Y: -3.36%5Y: 6.69%10Y: 8.36%
FFIN EPS CAGR:1Y: 6.38%2Y: 16.25%5Y: 5.09%10Y: 9.06%
FFIN Net Income CAGR:1Y: 7.86%2Y: 17.04%5Y: 4.98%10Y: 10.37%
FFIN EBITDA CAGR:1Y: 3.27%2Y: 14.37%5Y: 3.87%10Y: 8.31%
FFIN Free Cash Flow CAGR:1Y: 28.09%2Y: 8.54%5Y: 11.71%10Y: 19.83%
FFIN Free Cash Flow / Share CAGR:1Y: 27.28%2Y: 8.36%5Y: 11.55%10Y: 18.85%
FFIN Operating Income CAGR:1Y: 7.01%2Y: 17.24%5Y: 177.24%10Y: 8.36%
FFIN Gross Profit CAGR:1Y: 9.84%2Y: 16.05%5Y: 6.58%10Y: 8.30%
FFIN Shares Outstanding CAGR:1Y: 0.93%2Y: 0.21%5Y: 0.07%10Y: 0.83%
FFIN Share Buybacks CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
FFIN Stock-Based Comp CAGR:1Y: 30.44%2Y: 37.91%5Y: 19.75%10Y: 18.11%
FFIN Expenses CAGR:1Y: 232.00%2Y: 30.94%5Y: 0.53%10Y: 2.48%
FFIN Revenue CAGR:1Y: -17.60%2Y: -3.36%5Y: 6.69%10Y: 8.36%
Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:
FFIN Actual Revenue CAGR:1Y: -17.60%2Y: -3.36%5Y: 6.69%10Y: 8.36%
FFIN Actual EPS CAGR:1Y: 6.38%2Y: 16.25%5Y: 5.09%10Y: 9.06%
FFIN Actual Net Income CAGR:1Y: 7.86%2Y: 17.04%5Y: 4.98%10Y: 10.37%
FFIN Actual EBITDA CAGR:1Y: 3.27%2Y: 14.37%5Y: 3.87%10Y: 8.31%
Ratios, Profit Margins & Return on Capital:
FFIN Net Profit Margin CAGR:1Y: 0.00%2Y: 5.86%5Y: -6.76%10Y: -0.85%
FFIN Gross Profit Margin CAGR:1Y: 1.85%2Y: 4.97%5Y: -5.34%10Y: -2.71%
FFIN Price to Earnings CAGR:1Y: -9.61%2Y: -6.18%5Y: -11.00%10Y: -1.53%
FFIN Price To Sales Ratio CAGR:1Y: -10.26%2Y: -0.85%5Y: -17.08%10Y: -2.41%
FFIN Return on Capital Employed CAGR:1Y: -6.63%2Y: 2.90%5Y: 265.42%10Y: 20.50%
FFIN Return on Invested Capital CAGR:1Y: -5.78%2Y: 5.71%5Y: 191.77%10Y: 8.30%
FFIN Dividends Info:
Annual Dividend:
$0.88
Forward Yield:
2.8%
Ex-Dividend Date:
2026-09-14
Lifetime Dividends / Share:
$10.14
FFIN Dividend History: Dates, Payments & Yield list
Below is a schedule of all FFIN dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield
| Ex-Date | Payment Date | Amount | Yield | Forward Yield | Price on Ex-Date |
|---|---|---|---|---|---|
| 09/14/2026 | 10/01/2026 | $0.220 | 2.65% | 2.77% | $31.75 |
| 06/12/2026 | 07/01/2026 | $0.220 | 2.62% | 2.48% | $35.45 |
| 03/13/2026 | 04/01/2026 | $0.190 | 2.57% | 2.55% | $29.85 |
| 12/15/2025 | 01/02/2026 | $0.190 | 2.42% | 2.53% | $30.02 |
| 09/15/2025 | 10/01/2025 | $0.190 | 2.15% | 2.26% | $33.64 |
| 06/16/2025 | 07/01/2025 | $0.190 | 2.13% | 2.04% | $37.26 |
| 03/14/2025 | 04/01/2025 | $0.180 | 2.01% | 2.02% | $35.69 |
| 12/12/2024 | 01/02/2025 | $0.180 | 1.71% | 2.02% | $35.57 |
| 12/13/2024 | 01/02/2025 | $0.180 | 1.78% | 2.02% | $35.57 |
| 09/12/2024 | 10/01/2024 | $0.180 | 2.01% | 1.99% | $36.17 |
| 09/11/2024 | 10/01/2024 | $0.180 | 2.02% | 1.99% | $36.17 |
| 06/14/2024 | 07/01/2024 | $0.180 | 2.59% | 2.49% | $28.89 |
| 03/14/2024 | 04/01/2024 | $0.180 | 2.39% | 2.23% | $32.26 |
| 12/14/2023 | 01/02/2024 | $0.180 | 2.36% | 2.39% | $30.07 |
| 09/13/2023 | 10/02/2023 | $0.180 | 2.64% | 2.94% | $24.49 |
| 06/14/2023 | 07/03/2023 | $0.180 | 2.43% | 2.46% | $29.27 |
| 03/10/2023 | 04/03/2023 | $0.170 | 2.07% | 2.18% | $31.25 |
| 12/14/2022 | 01/03/2023 | $0.170 | 1.94% | 2% | $34.07 |
| 09/14/2022 | 10/03/2022 | $0.170 | 1.6% | 1.59% | $42.79 |
| 06/15/2022 | 07/01/2022 | $0.170 | 1.76% | 1.7% | $39.93 |
| 03/15/2022 | 04/01/2022 | $0.150 | 1.32% | 1.35% | $44.50 |
| 12/15/2021 | 01/03/2022 | $0.150 | 1.19% | 1.17% | $51.14 |
| 09/15/2021 | 10/01/2021 | $0.150 | 1.36% | 1.27% | $47.09 |
| 06/15/2021 | 07/01/2021 | $0.150 | 1.17% | 1.21% | $49.47 |
| 03/15/2021 | 04/01/2021 | $0.130 | 1.03% | 1.11% | $46.84 |
| 12/15/2020 | 01/04/2021 | $0.130 | 1.45% | 1.45% | $35.82 |
| 09/15/2020 | 10/01/2020 | $0.130 | 1.78% | 1.85% | $28.09 |
| 06/15/2020 | 07/01/2020 | $0.130 | 1.71% | 1.85% | $28.13 |
| 03/13/2020 | 04/01/2020 | $0.120 | 1.83% | 1.9% | $25.30 |
| 12/12/2019 | 01/02/2020 | $0.120 | 1.36% | 1.37% | $35.10 |
| 09/13/2019 | 10/01/2019 | $0.120 | 1.44% | 1.48% | $32.51 |
| 06/14/2019 | 07/01/2019 | $0.120 | 1.62% | 1.58% | $30.39 |
| 03/14/2019 | 04/01/2019 | $0.105 | 1.39% | 1.42% | $29.62 |
| 12/13/2018 | 01/02/2019 | $0.105 | 0% | 1.37% | $30.55 |
| 09/14/2018 | 10/01/2018 | $0.105 | 0% | 1.37% | $30.55 |
| 06/14/2018 | 07/02/2018 | $0.105 | 0% | 1.37% | $30.55 |
| 03/14/2018 | 04/02/2018 | $0.095 | 0% | 1.24% | $30.55 |
| 12/14/2017 | 01/02/2018 | $0.095 | 0% | 1.24% | $30.55 |
| 09/14/2017 | 10/02/2017 | $0.095 | 0% | 1.24% | $30.55 |
| 06/14/2017 | 07/03/2017 | $0.095 | 0% | 1.24% | $30.55 |
| 03/13/2017 | 04/03/2017 | $0.090 | 0% | 1.18% | $30.55 |
| 12/13/2016 | 01/03/2017 | $0.090 | 0% | 1.18% | $30.55 |
| 09/13/2016 | 10/03/2016 | $0.090 | 0% | 1.18% | $30.55 |
| 06/14/2016 | 07/01/2016 | $0.090 | 0% | 1.18% | $30.55 |
| 03/14/2016 | 04/01/2016 | $0.080 | 0% | 1.05% | $30.55 |
| 12/11/2015 | 01/04/2016 | $0.080 | 0% | 1.05% | $30.55 |
| 09/11/2015 | 10/01/2015 | $0.080 | 0% | 1.05% | $30.55 |
| 06/11/2015 | 07/01/2015 | $0.080 | 0% | 1.05% | $30.55 |
| 03/12/2015 | 04/01/2015 | $0.070 | 0% | 0.92% | $30.55 |
| 12/11/2014 | 01/02/2015 | $0.070 | 0% | 0.92% | $30.55 |
| 09/11/2014 | 10/01/2014 | $0.070 | 0% | 0.92% | $30.55 |
| 06/12/2014 | 07/01/2014 | $0.070 | 0% | 0.92% | $30.55 |
| 03/12/2014 | 04/01/2014 | $0.065 | 0% | 0.85% | $30.55 |
| 12/12/2013 | 01/02/2014 | $0.065 | 0% | 0.85% | $30.55 |
| 09/12/2013 | 10/01/2013 | $0.065 | 0% | 0.85% | $30.55 |
| 06/12/2013 | 07/01/2013 | $0.065 | 0% | 0.85% | $30.55 |
| 03/13/2013 | 04/01/2013 | $0.063 | 0% | 0.82% | $30.55 |
| 12/12/2012 | 12/27/2012 | $0.063 | 0% | 0.82% | $30.55 |
| 09/12/2012 | 10/01/2012 | $0.063 | 0% | 0.82% | $30.55 |
| 06/13/2012 | 07/02/2012 | $0.063 | 0% | 0.82% | $30.55 |
| 03/13/2012 | 04/02/2012 | $0.060 | 0% | 0.79% | $30.55 |
| 12/13/2011 | 01/03/2012 | $0.060 | 0% | 0.79% | $30.55 |
| 09/13/2011 | 10/03/2011 | $0.060 | 0% | 0.79% | $30.55 |
| 06/13/2011 | 07/01/2011 | $0.040 | 0% | 0.52% | $30.55 |
| 03/11/2011 | 04/01/2011 | $0.057 | 0% | 0.74% | $30.55 |
| 12/13/2010 | 01/03/2011 | $0.057 | 0% | 0.74% | $30.55 |
| 09/13/2010 | 10/01/2010 | $0.057 | 0% | 0.74% | $30.55 |
| 06/11/2010 | 07/01/2010 | $0.057 | 0% | 0.74% | $30.55 |
| 03/11/2010 | 04/01/2010 | $0.057 | 0% | 0.74% | $30.55 |
| 12/11/2009 | 01/04/2010 | $0.057 | 0% | 0.74% | $30.55 |
| 09/11/2009 | 10/01/2009 | $0.057 | 0% | 0.74% | $30.55 |
| 06/11/2009 | 07/01/2009 | $0.057 | 0% | 0.74% | $30.55 |
| 02/26/2009 | 04/01/2009 | $0.057 | 0% | 0.74% | $30.55 |
| 12/11/2008 | 01/02/2009 | $0.057 | 0% | 0.74% | $30.55 |
| 09/11/2008 | 10/01/2008 | $0.057 | 0% | 0.74% | $30.55 |
| 06/12/2008 | 07/01/2008 | $0.057 | 0% | 0.74% | $30.55 |
| 03/12/2008 | 04/01/2008 | $0.053 | 0% | 0.7% | $30.55 |
| 12/13/2007 | 01/02/2008 | $0.053 | 0% | 0.7% | $30.55 |
| 09/13/2007 | 10/01/2007 | $0.053 | 0% | 0.7% | $30.55 |
| 06/13/2007 | 07/02/2007 | $0.053 | 0% | 0.7% | $30.55 |
| 03/13/2007 | 04/02/2007 | $0.050 | 0% | 0.65% | $30.55 |
| 12/13/2006 | 01/02/2007 | $0.050 | 0% | 0.65% | $30.55 |
| 09/13/2006 | 10/02/2006 | $0.050 | 0% | 0.65% | $30.55 |
| 06/14/2006 | 07/03/2006 | $0.050 | 0% | 0.65% | $30.55 |
| 03/13/2006 | 04/03/2006 | $0.047 | 0% | 0.61% | $30.55 |
| 12/13/2005 | 01/02/2006 | $0.047 | 0% | 0.61% | $30.55 |
| 09/13/2005 | 10/03/2005 | $0.047 | 0% | 0.61% | $30.55 |
| 06/14/2005 | 07/01/2005 | $0.047 | 0% | 0.61% | $30.55 |
| 03/11/2005 | 04/01/2005 | $0.043 | 0% | 0.56% | $30.55 |
| 12/13/2004 | 01/03/2005 | $0.043 | 0% | 0.56% | $30.55 |
| 09/13/2004 | 10/01/2004 | $0.043 | 0% | 0.56% | $30.55 |
| 06/14/2004 | 07/01/2004 | $0.043 | 0% | 0.56% | $30.55 |
| 03/11/2004 | 04/01/2004 | $0.039 | 0% | 0.51% | $30.55 |
| 12/11/2003 | 01/02/2004 | $0.039 | 0% | 0.51% | $30.55 |
| 09/11/2003 | 10/01/2003 | $0.039 | 0% | 0.51% | $30.55 |
| 06/12/2003 | 07/01/2003 | $0.039 | 0% | 0.51% | $30.55 |
| 03/12/2003 | 04/01/2003 | $0.035 | 0% | 0.46% | $30.55 |
| 12/12/2002 | 01/02/2003 | $0.035 | 0% | 0.46% | $30.55 |
| 09/12/2002 | 10/01/2002 | $0.035 | 0% | 0.46% | $30.55 |
| 06/12/2002 | 07/01/2002 | $0.035 | 0% | 0.46% | $30.55 |
| 03/13/2002 | 04/01/2002 | $0.030 | 0% | 0.39% | $30.55 |
| 12/12/2001 | 01/02/2002 | $0.030 | 0% | 0.39% | $30.55 |
| 06/13/2001 | 07/02/2001 | $0.030 | 0% | 0.39% | $30.55 |
| 03/14/2001 | 04/02/2001 | $0.026 | 0% | 0.35% | $30.55 |
| 12/13/2000 | 01/02/2001 | $0.026 | 0% | 0.35% | $30.55 |
| 09/13/2000 | 10/02/2000 | $0.026 | 0% | 0.35% | $30.55 |
| 06/14/2000 | 07/03/2000 | $0.026 | 0% | 0.35% | $30.55 |
| 03/15/2000 | 04/03/2000 | $0.024 | 0% | 0.31% | $30.55 |
| 12/13/1999 | 01/03/2000 | $0.024 | 0% | 0.31% | $30.55 |
| 09/15/1999 | 10/01/1999 | $0.022 | 0% | 0.29% | $30.55 |
| 06/14/1999 | 07/01/1999 | $0.022 | 0% | 0.29% | $30.55 |
| 03/15/1999 | 04/01/1999 | $0.022 | 0% | 0.29% | $30.55 |
| 12/11/1998 | 01/04/1999 | $0.022 | 0% | 0.29% | $30.55 |
| 09/14/1998 | 10/01/1998 | $0.020 | 0% | 0.26% | $30.55 |
| 06/11/1998 | 07/01/1998 | $0.020 | 0% | 0.26% | $30.55 |
| 03/11/1998 | 04/01/1998 | $0.018 | 0% | 0.24% | $30.55 |
| 12/11/1997 | 01/02/1998 | $0.018 | 0% | 0.24% | $30.55 |
| 09/11/1997 | 10/01/1997 | $0.018 | 0% | 0.24% | $30.55 |
| 06/11/1997 | 07/01/1997 | $0.018 | 0% | 0.24% | $30.55 |
| 03/12/1997 | 04/01/1997 | $0.016 | 0% | 0.21% | $30.55 |
| 12/12/1996 | 01/02/1997 | $0.016 | 0% | 0.21% | $30.55 |
| 09/12/1996 | 10/01/1996 | $0.016 | 0% | 0.21% | $30.55 |
| 06/12/1996 | 07/01/1996 | $0.016 | 0% | 0.21% | $30.55 |
| 03/13/1996 | 04/01/1996 | $0.014 | 0% | 0.19% | $30.55 |
| 12/13/1995 | 01/02/1996 | $0.014 | 0% | 0.19% | $30.55 |
| 09/13/1995 | 09/15/1995 | $0.014 | 0% | 0.19% | $30.55 |
| 06/14/1995 | 07/03/1995 | $0.012 | 0% | 0.15% | $30.55 |
| 03/13/1995 | 04/03/1995 | $0.010 | 0% | 0.14% | $30.55 |
| 12/12/1994 | 01/02/1995 | $0.010 | 0% | 0.14% | $30.55 |
| 09/12/1994 | 10/03/1994 | $0.010 | 0% | 0.14% | $30.55 |
| 06/13/1994 | 07/01/1994 | $0.010 | 0% | 0.14% | $30.55 |
| 03/14/1994 | 04/01/1994 | $0.010 | 0% | 0.12% | $30.55 |
| 12/13/1993 | 01/03/1994 | $0.010 | 0% | 0.12% | $30.55 |
Projected Future Returns & Dividends for FFIN
Based on past 7.7-year performance, here are FFIN growth metrics:
Share price CAGR of +0.39%
Dividend CAGR of +9.36%
Using FFIN CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:
| FFIN (DRIP) | FFIN - No DRIP | |
|---|---|---|
| Current Price | $31.47 | $31.47 |
| Start Shares | 317.76 | 317.76 |
| Start Value | $10,000 | $10,000 |
| After 10 years: | ||
| Final Share Count | 484.20 | 317.76 |
| Dividends Payment | $0.54 | $0.54 |
| Annual Dividends | $1,042 | $684 |
| Yield on cost | 10.42% | 6.84% |
| Share Price | $32.71 | $32.71 |
| Total Dividends | $5,351 | $4,321 |
| Final Value | $15,836 | $14,714 |
Estimated Future Value + Dividends - FFIN
NOTE: Above numbers are our estimate based on FFIN's Dividend and Price CAGR over past 7.7 years.
These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.
We cannot guarantee that your actual returns will meet these estimates.
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Company Info
First Financial Bankshares, Inc. (FFIN) had its IPO on 1993-11-01, and is traded on NASDAQ stock exchange.
First Financial Bankshares, Inc. (FFIN) is a financial institution that delivers a broad array of commercial banking and financial services throughout Texas via its network of subsidiaries. Its core offerings include various deposit solutions, such as checking, savings, money market, and time deposit accounts. The company provides diverse lending options, extending credit for commercial and industrial ventures, municipal projects, agriculture, construction and development, and farm operations. It also finances both owner-occupied and non-owner-occupied commercial real estate, residential properties, and consumer needs, including vehicle and other personal loans. These services primarily cater to businesses, professional clients, and agricultural enterprises. The institution also equips its customers with contemporary banking conveniences like internet and mobile banking, remote deposit capture, payroll cards, and funds transfer capabilities. Traditional amenities such as drive-in and night deposit services, automated teller machines (ATMs), and secure safe deposit facilities are also part of its comprehensive service suite. Beyond conventional banking, First Financial Bankshares offers robust personal trust services. These encompass wealth management, estate administration, and the management of various trust structures, including testamentary, revocable, irrevocable, and agency accounts. Additionally, the company provides securities brokerage and manages a range of retirement and employee benefit plans, such as 401(k) profit-sharing plans and Individual Retirement Accounts (IRAs). Its service portfolio is further enhanced by asset management and technology services. As of December 31, 2021, FFIN operated 78 financial centers strategically located across Texas. The company, established in 1890, maintains its corporate headquarters in Abilene, Texas.
FFIN website: https://www.ffin.com
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DCF Model — FFIN
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vs current price $31.47
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Cash flow & implied price by year
FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.
EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.
Free cash flow today
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grows for the next years
Then mature
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every future dollar counted back to today
Pile of today-dollars
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÷ shares
Implied price path
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Sensitivity — fair value: growth ↓ × target return →
