First Financial Bankshares, Inc.
FFINFinancial ServicesNASDAQBanks - Regional · Last scanned Jul 18, 2026
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Daily timeframePart of the financial services sector, First Financial Bankshares, Inc. (FFIN) is listed under Banks - Regional. The $5.06B market capitalization puts FFIN squarely in mid-cap range for its industry. The company offers general commercial banking services, including checking, savings and time deposits, loans, automated teller machines, drive-in and night deposit services, safe deposit facilities, remote deposit capture, internet banking, mobile banking, payroll cards, funds transfer, and other customary commercial banking service, as well as securities brokerage services.
Market Cap
$5.06B
Beta
—
P/E (TTM)
19.84
P/E (Fwd)
16.35
EPS (TTM)
$1.78
EPS (Fwd)
$2.16
ROE
14.4%
ROA
1.8%
Cash
$580.4M
Total Debt
$75.5M
Free CF
—
52W Change
-5.4%
Annual Financials
Cash vs Debt
With $580.4M in cash and $75.5M in debt, FFIN maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. Return on equity stands at 14.4%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.8% is on the lower side, which is common in asset-heavy industries. Revenue has been uneven over recent years, ranging from $519.8M to $617.1M.
The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for First Financial Bankshares, Inc. and its sector.