FFIN

First Financial Bankshares, Inc.

Financial Services · $4.7B market cap

Share price

$32.15

close of Oct 3, 2026

Fair value

$44.88

Sticker Price

Payback Price

$17.95

buy price

Undervalued

FFIN is Undervalued: at $32.15 it trades 28% below its fair value of $44.88. Its buy price (Payback Price) is $17.95, 44% below today's price. Business quality is solid: 3 of 5 key numbers clear the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

3 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth10.1% a year✓

Equity per share growth9.9% a year✗

Sales growth9.3% a year✗

Free cash flow growth11.6% a year✓

Return on invested capital11.7%✓

Follow FFIN

Get notified when it reaches its buy price of $17.95. Free.

Create a free account

Insider activity

Since Aug 14, 2016: 3 open-market purchases worth $162K, 1 sale worth $524K and 53 other filings (stock awards, tax withholding and similar). Why purchases matter

Purchases

Denny Michael B.

director · 2026-08-18

Bought

$104K

Nickles Robert Clark Jr

director · 2026-07-24

Bought

$24K

Edwards Murray Hamilton

director · 2026-06-11

Bought

$33K

Sales

Butler Ronald David II

EVP/CAO · 2026-08-17

Sold

$524K

Other filings

Longhofer T. Luke

EVP - Chief Credit Officer · 2026-09-09

G-Gift

950 shares

Longhofer T. Luke

EVP - Chief Credit Officer · 2026-09-08

Option exercise

$24K

Longhofer T. Luke

EVP - Chief Credit Officer · 2026-09-08

Option exercise

$32K

Butler Ronald David II

EVP/CAO · 2026-08-17

Option exercise

$106K

Biebighauser Lon A.

Trust Company President · 2026-08-17

G-Gift

570 shares

Show all 53 other filings

Ruzicka John James Jr

EVP, Chief Banking Ops Officer · 2026-08-16

Award

526 shares

Ruzicka John James Jr

EVP, Chief Banking Ops Officer · 2026-08-16

D-Return

526 shares

Hickox Michelle S

EVP/CFO · 2026-08-16

D-Return

1,354 shares

Hickox Michelle S

EVP/CFO · 2026-08-16

Award

1,354 shares

Butler Ronald David II

EVP/CAO · 2026-08-16

Award

1,354 shares

Butler Ronald David II

EVP/CAO · 2026-08-16

D-Return

1,354 shares

Roewe Randall Allen

EVP, Chief Risk Officer · 2026-08-16

Award

564 shares

Roewe Randall Allen

EVP, Chief Risk Officer · 2026-08-16

D-Return

564 shares

McVey J. Kyle

EVP, CFO - Bank · 2026-08-16

Tax withholding

$4K

Bailey David William

President and CEO · 2026-08-16

Award

639 shares

Bailey David William

President and CEO · 2026-08-16

D-Return

639 shares

Longhofer T. Luke

EVP - Chief Credit Officer · 2026-08-16

Award

714 shares

Longhofer T. Luke

EVP - Chief Credit Officer · 2026-08-16

D-Return

714 shares

Ruzicka John James Jr

EVP, Chief Banking Ops Officer · 2026-08-14

Award

880 shares

Ruzicka John James Jr

EVP, Chief Banking Ops Officer · 2026-08-14

D-Return

880 shares

Hickox Michelle S

EVP/CFO · 2026-08-14

Award

2,337 shares

DUESER F SCOTT

Executive Chairman · 2026-08-14

Award

8,875 shares

DUESER F SCOTT

Executive Chairman · 2026-08-14

D-Return

8,875 shares

DUESER F SCOTT

Executive Chairman · 2026-08-14

Award

12,755 shares

Butler Ronald David II

EVP/CAO · 2026-08-14

Award

2,375 shares

Butler Ronald David II

EVP/CAO · 2026-08-14

D-Return

2,375 shares

Brown Timothy Michael

EVP/Chief Information Officer · 2026-08-14

Award

1,814 shares

Brown Timothy Michael

EVP/Chief Information Officer · 2026-08-14

Award

$119K

Roewe Randall Allen

EVP, Chief Risk Officer · 2026-08-14

Award

$130K

Roewe Randall Allen

EVP, Chief Risk Officer · 2026-08-14

Award

1,100 shares

Roewe Randall Allen

EVP, Chief Risk Officer · 2026-08-14

D-Return

1,100 shares

Roewe Randall Allen

EVP, Chief Risk Officer · 2026-08-14

Award

1,984 shares

McVey J. Kyle

EVP, CFO - Bank · 2026-08-14

Award

$160K

McVey J. Kyle

EVP, CFO - Bank · 2026-08-14

Tax withholding

$9K

McVey J. Kyle

EVP, CFO - Bank · 2026-08-14

Award

2,438 shares

McVey J. Kyle

EVP, CFO - Bank · 2026-08-14

Option exercise

$85K

Biebighauser Lon A.

Trust Company President · 2026-08-14

Award

$94K

Biebighauser Lon A.

Trust Company President · 2026-08-14

Tax withholding

$3K

Biebighauser Lon A.

Trust Company President · 2026-08-14

Award

1,429 shares

Goodrich Brian D.