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First Financial Bankshares, Inc. (FFIN)

New York Stock Exchange Financial Services Banks - RegionalView data quality →
56.2Fair

ValueMarkers Composite Index

Top 62%#17,039 of 44,707
Overvalued

278% above intrinsic value ($8)

UndervaluedFair ValueOvervalued
Piotroski
8/9
Strong
Beneish
-0.72
High Risk
Altman
0.11
Distress
DCF Value
$8
Overvalued
ROIC
13.1%
Adequate
P/E
17.7
Fair
Updated: ·Source: Data sourced from SEC filings and institutional providers. Not financial advice.·Report data issue

First Financial Bankshares, Inc. (FFIN) — VMCI valuation read

Headline read on FFIN: VMCI of 56/100 versus a Financial Services sector median of 50. The 6-point above-median position is what makes First Financial Bankshares, Inc. a relative-value candidate in the mid-cap cohort, before any pillar-level review.

Form 4 filings on FFIN: zero in the trailing 30 days. The absence of insider transactions is itself a data point, just a low-information one. The thesis runs on financials and price action until that changes.

**Investor frame.** Three reads on FFIN: value (FFIN trades at 17.0x earnings, 6% below the Financial Services median of 18.0x), quality (ROIC of 19.0% sits 9.0pp above the Financial Services median (10.0%)), and risk (net debt to EBITDA of 0.1x leaves covenant headroom). The value read also implies an EV/EBITDA gap of +4.0x against the Financial Services 12.0x baseline.

FFIN fell 3.4% over the trailing 7 days, with a -10.7% read on a 30-day basis.

First Financial Bankshares, Inc., through its subsidiaries, provides commercial banking products and services in Texas. The company accepts checking, savings and money market accounts, and time deposits; commercial and industrial, municipal, agricultural, construction and development, farm, non-owner occupied and owner-occupied commercial real estate, residential, and consumer auto and non-auto loans to businesses, professional individuals, and farm and ranch operations. It also provides drive-in and night deposit, remote deposit capture, internet and mobile banking, payroll cards, 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 retirements and employee benefits accounts, such as 401(k) profit-sharing plans and IRAs. Further, the company provides asset management and technology services. As of December 31, 2021, it had 78 financial centers across Texas. First Financial Bankshares, Inc. was founded in 1890 and is headquartered in Abilene, Texas.

CEO: David W. Bailey1,400 employeesUSwww.ffin.com

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