Is First Financial Stock a Good Investment?
First Financial Investment Advice | FFIN |
- Examine First Financial's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research First Financial's leadership team and their track record. Good management can help First Financial navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact First Financial's business and its evolving consumer preferences.
- Compare First Financial's performance and market position to its competitors. Analyze how First Financial is positioned in terms of product offerings, innovation, and market share.
- Check if First Financial pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about First Financial's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in First Financial Bankshares stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if First Financial Bankshares is a good investment.
Sell | Buy |
Strong Hold
Market Performance | Weakest | Details | |
Volatility | Very steady | Details | |
Hype Condition | Stale | Details | |
Current Valuation | Undervalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Responds to the market | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Hold | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine First Financial Stock
Researching First Financial's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 66.0% of the company shares are owned by institutional investors. The book value of First Financial was currently reported as 12.22. The company has Price/Earnings To Growth (PEG) ratio of 2.69. First Financial Bank last dividend was issued on the 15th of September 2025. The entity had 2:1 split on the 4th of June 2019.
To determine if First Financial is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding First Financial's research are outlined below:
| First Financial Bank generated a negative expected return over the last 90 days | |
| About 66.0% of the company shares are owned by institutional investors | |
| Latest headline from news.google.com: Helen Stephens Group LLC Decreases Position in First Financial Bankshares, Inc. FFIN - MarketBeat |
First Financial uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in First Financial Bankshares. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to First Financial's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 18th of April 2024 Upcoming Quarterly Report | View | |
| 18th of July 2024 Next Financial Report | View | |
| 31st of March 2024 Next Fiscal Quarter End | View | |
| 23rd of January 2025 Next Fiscal Year End | View | |
| 31st of December 2023 Last Quarter Report | View | |
| 31st of December 2023 Last Financial Announcement | View |
Earnings surprises can significantly impact First Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises First Financial's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2010-04-22 | 2010-03-31 | 0.1 | 0.11 | 0.01 | 10 | ||
2009-07-23 | 2009-06-30 | 0.1 | 0.11 | 0.01 | 10 | ||
2009-04-23 | 2009-03-31 | 0.1 | 0.11 | 0.01 | 10 | ||
2008-10-23 | 2008-09-30 | 0.1 | 0.11 | 0.01 | 10 | ||
2007-07-19 | 2007-06-30 | 0.1 | 0.11 | 0.01 | 10 | ||
2006-07-20 | 2006-06-30 | 0.08 | 0.09 | 0.01 | 12 | ||
2006-01-19 | 2005-12-31 | 0.08 | 0.09 | 0.01 | 12 | ||
2005-10-20 | 2005-09-30 | 0.08 | 0.09 | 0.01 | 12 |
First Financial Target Price Consensus
First target price is determined by taking all analyst projections and averaging them out. There is no one specific way to measure analysts' performance other than comparing it to past results via a very sophisticated attribution analysis. First Financial's target price projections below should be used in combination with other traditional price prediction techniques such as stock price forecasting, investor sentiment analysis, technical analysis, earnings estimate, and various momentum models.
| 4 | Hold |
Most First analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to help potential investors understand First stock's fair price compared to its market value. Analysts arrive at stock ratings after researching the public financial statements of First Financial Bank, talking to its executives and customers, or listening to those companies' conference calls.
Macroaxis Advice Exposure ValuationFirst Financial Target Price Projection
First Financial's current and average target prices are 34.87 and 39.00, respectively. The current price of First Financial is the price at which First Financial Bankshares is currently trading. On the other hand, First Financial's target price is what analysts think the stock is worth or could sell for in the future. The more significant the discrepancy between the two prices, the more it stimulates investors to act.Current Price
First Financial Market Quote on 21st of September 2025
Target Price
Analyst Consensus On First Financial Target Price
First Financial Analyst Ratings
First Financial's analyst stock recommendations are determined by taking an average estimate of all analysts we track and classifying them as Strong Buy, Buy, Hold, Strong Sell, or Sell. Ratings generally communicate what analysts sense about First Financial stock, and they use a lot of effort and time to analyze it and arrive at a rating. That suggests that analyst recommendations are the outcome of an objective and thorough examination of First Financial's financials, market performance, and future outlook by experienced professionals. First Financial's historical ratings below, therefore, can serve as a valuable tool for investors.Know First Financial's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as First Financial is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading First Financial Bankshares backward and forwards among themselves. First Financial's institutional investor refers to the entity that pools money to purchase First Financial's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Norges Bank | 2025-06-30 | 1.6 M | Amvescap Plc. | 2025-06-30 | 1.1 M | Bank Of New York Mellon Corp | 2025-06-30 | 1.1 M | Ameriprise Financial Inc | 2025-06-30 | 1 M | Fuller & Thaler Asset Management Inc | 2025-06-30 | 999.2 K | Bank Of America Corp | 2025-06-30 | 979.1 K | Nuveen, Llc | 2025-06-30 | 900.9 K | Wells Fargo & Co | 2025-06-30 | 851.4 K | Goldman Sachs Group Inc | 2025-06-30 | 684.4 K | Blackrock Inc | 2025-06-30 | 17.5 M | Vanguard Group Inc | 2025-06-30 | 13.9 M |
First Financial's market capitalization trends
The company currently falls under 'Mid-Cap' category with a current market capitalization of 5.09 B.Market Cap |
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First Financial's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.02 | 0.01 | |
| Return On Capital Employed | 0.15 | 0.20 | |
| Return On Assets | 0.02 | 0.01 | |
| Return On Equity | 0.14 | 0.15 |
Determining First Financial's profitability involves analyzing its financial statements and using various financial metrics to determine if First Financial is a good buy. For example, gross profit margin measures First Financial's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of First Financial's profitability and make more informed investment decisions.
Evaluate First Financial's management efficiency
First Financial Bank has return on total asset (ROA) of 0.0178 % which means that it generated a profit of $0.0178 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1509 %, meaning that it created $0.1509 on every $100 dollars invested by stockholders. First Financial's management efficiency ratios could be used to measure how well First Financial manages its routine affairs as well as how well it operates its assets and liabilities. At this time, First Financial's Return On Capital Employed is very stable compared to the past year. As of the 21st of September 2025, Return On Equity is likely to grow to 0.15, while Return On Tangible Assets are likely to drop 0.01. At this time, First Financial's Asset Turnover is very stable compared to the past year.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 11.25 | 11.81 | |
| Tangible Book Value Per Share | 9.05 | 9.50 | |
| Enterprise Value Over EBITDA | 16.06 | 10.30 | |
| Price Book Value Ratio | 3.20 | 2.28 | |
| Enterprise Value Multiple | 16.06 | 10.30 | |
| Price Fair Value | 3.20 | 2.28 | |
| Enterprise Value | 6.6 B | 7 B |
The operational strategies employed by First Financial management play a crucial role in its market positioning. Assessing these strategies alongside financial data helps us evaluate the stock's investment potential.
Basic technical analysis of First Stock
As of the 21st of September, First Financial shows the Mean Deviation of 1.2, downside deviation of 1.43, and Coefficient Of Variation of 14914.36. First Financial Bank technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices.First Financial's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific First Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on First Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases First Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
First Financial's Outstanding Corporate Bonds
First Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. First Financial Bank uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most First bonds can be classified according to their maturity, which is the date when First Financial Bankshares has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| MPLX LP 4125 Corp BondUS55336VAK61 | View | |
| MPLX LP 52 Corp BondUS55336VAL45 | View | |
| Morgan Stanley 3591 Corp BondUS61744YAK47 | View | |
| Valero Energy Partners Corp BondUS91914JAA07 | View |
Understand First Financial's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing First Financial's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.0103 | |||
| Market Risk Adjusted Performance | 0.0104 | |||
| Mean Deviation | 1.2 | |||
| Semi Deviation | 1.39 | |||
| Downside Deviation | 1.43 | |||
| Coefficient Of Variation | 14914.36 | |||
| Standard Deviation | 1.59 | |||
| Variance | 2.53 | |||
| Information Ratio | (0.08) | |||
| Jensen Alpha | (0.20) | |||
| Total Risk Alpha | (0.33) | |||
| Sortino Ratio | (0.09) | |||
| Treynor Ratio | 4.0E-4 | |||
| Maximum Drawdown | 7.33 | |||
| Value At Risk | (2.18) | |||
| Potential Upside | 2.75 | |||
| Downside Variance | 2.05 | |||
| Semi Variance | 1.92 | |||
| Expected Short fall | (1.38) | |||
| Skewness | 0.5624 | |||
| Kurtosis | 1.13 |
| Risk Adjusted Performance | 0.0103 | |||
| Market Risk Adjusted Performance | 0.0104 | |||
| Mean Deviation | 1.2 | |||
| Semi Deviation | 1.39 | |||
| Downside Deviation | 1.43 | |||
| Coefficient Of Variation | 14914.36 | |||
| Standard Deviation | 1.59 | |||
| Variance | 2.53 | |||
| Information Ratio | (0.08) | |||
| Jensen Alpha | (0.20) | |||
| Total Risk Alpha | (0.33) | |||
| Sortino Ratio | (0.09) | |||
| Treynor Ratio | 4.0E-4 | |||
| Maximum Drawdown | 7.33 | |||
| Value At Risk | (2.18) | |||
| Potential Upside | 2.75 | |||
| Downside Variance | 2.05 | |||
| Semi Variance | 1.92 | |||
| Expected Short fall | (1.38) | |||
| Skewness | 0.5624 | |||
| Kurtosis | 1.13 |
Consider First Financial's intraday indicators
First Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of First Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
First Financial Corporate Filings
| 29th of August 2025 Other Reports | ViewVerify | |
| 27th of August 2025 Other Reports | ViewVerify | |
F4 | 19th of August 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
| 14th of August 2025 Other Reports | ViewVerify |
First Stock media impact
There is far too much social signal, news, headlines, and media speculation about First Financial that are available to investors today. This information is accessible both publicly - through First Financial's media outlets and privately, via word of mouth or internal channels. However, regardless of the source, the sheer volume of First-related data is difficult to distill into actionable insights, especially for investors who are not well-versed in the rapidly evolving tools and techniques of investment management.
A primary focus of First Financial news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of First Financial relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to First Financial's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive First Financial alpha.
First Financial Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards First Financial can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
First Financial Bank Historical Investor Sentiment
Investor biases related to First Financial's public news can be used to forecast risks associated with an investment in First. The trend in average sentiment can be used to explain how an investor holding First can time the market purely based on public headlines and social activities around First Financial Bankshares. Please note that most equities that are difficult to arbitrage are affected by market sentiment the most.
First Financial's market sentiment shows the aggregated news analyzed to detect positive and negative mentions from the text and comments. The data is normalized to provide daily scores for First Financial and other traded tickers. The bigger the bubble, the more accurate the estimated score. Higher bars for a given day show more participation in the average First Financial news discussions. The higher the estimate score, the more favorable the investor's outlook on First Financial.
First Financial Corporate Management
| Michelle CPA | Secretary VP | Profile | |
| Michael Wolverton | Executive Lending | Profile | |
| Isabel Montoya | Executive Operations | Profile | |
| John Ruzicka | Executive Officer | Profile | |
| Lawrence Kentz | Chief Officer | Profile | |
| Frank Gioia | Senior Center | Profile | |
| Maggie Tuschinski | Executive Officer | Profile |
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in First Financial Bankshares. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in gross domestic product. To learn how to invest in First Stock, please use our How to Invest in First Financial guide.You can also try the Companies Directory module to evaluate performance of over 100,000 Stocks, Funds, and ETFs against different fundamentals.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of First Financial. If investors know First will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about First Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.268 | Dividend Share 0.73 | Earnings Share 1.71 | Revenue Per Share | Quarterly Revenue Growth 0.193 |
The market value of First Financial Bank is measured differently than its book value, which is the value of First that is recorded on the company's balance sheet. Investors also form their own opinion of First Financial's value that differs from its market value or its book value, called intrinsic value, which is First Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because First Financial's market value can be influenced by many factors that don't directly affect First Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
In summary, please note that there is a difference between First Financial's value and its price, as these two are different measures arrived at by various means. Investors typically determine if First Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, First Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.