FFIN PEER ANALYSIS

First Financial Bankshares Inc — metric-by-metric comparison with peers and the industry median

FFINFirst Financial Bankshares Inc

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

FFINIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	FFIN	BEN	NDA-SE	HALKB	VAKBN	YKBNK	Ind. Median
P/E	18.92	—	12.45	10.63	4.86●	5.74	12.96
P/B	2.57	1.00	1.95	1.39	0.95●	1.18	1.29
EV/EBITDA	12.50	—	34.35	-19.45●	-5.61	-3.72	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	FFIN	BEN	NDA-SE	HALKB	VAKBN	YKBNK	Ind. Median
Current Ratio	0.07	0.03	0.16●	—	—	—	0.31
Debt/Equity	4.6%	142.6%	704.0%	0.0%●	0.0%●	0.0%●	38.0%
NetDebt/EBITDA	-2.50	—	25.50	-33.00●	-8.98	-9.43	-0.58

Profitability
Metric	FFIN	BEN	NDA-SE	HALKB	VAKBN	YKBNK	Ind. Median
Net Margin	31.1%●	—	20.9%	16.6%	21.4%	23.3%	20.6%
ROE	14.6%	—	15.8%	15.4%	23.0%	23.5%●	10.9%
ROA	1.8%	—	0.7%	0.8%	1.3%	1.9%●	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	FFIN	BEN	NDA-SE	HALKB	VAKBN	YKBNK	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	14.0%	—	-4.4%	21.9%	34.4%	85.7%●	19.4%
Div. Yield	2.1%	6.1%●	0.5%	—	—	—	2.5%
Payout	40.7%	—	0.0%	—	—	—	31.4%

Valuation
Metric	FFIN	EBC	TFSL	ASB	SFBS	IBOC	Ind. Median
P/E	18.92	13.67	53.77	10.58●	16.20	11.34	12.96
P/B	2.57	1.18	2.60	1.02●	2.51	1.44	1.29
EV/EBITDA	12.50	12.23	70.95	4.94●	11.76	8.82	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	FFIN	EBC	TFSL	ASB	SFBS	IBOC	Ind. Median
Current Ratio	0.07	0.03	0.05	15.52●	0.13	1.09	0.31
Debt/Equity	4.6%●	16.1%	266.7%	88.2%	82.7%	22.0%	38.0%
NetDebt/EBITDA	-2.50●	0.60	35.83	-2.19	-1.25	0.25	-0.58

Profitability
Metric	FFIN	EBC	TFSL	ASB	SFBS	IBOC	Ind. Median
Net Margin	31.1%	26.5%	11.4%	19.9%	29.0%	39.3%●	20.6%
ROE	14.6%	9.4%	4.9%	10.2%	16.6%●	13.5%	10.9%
ROA	1.8%	1.3%	0.5%	1.1%	1.6%	2.5%●	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	FFIN	EBC	TFSL	ASB	SFBS	IBOC	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	14.0%	—	14.0%	243.0%●	23.3%	2.2%	19.4%
Div. Yield	2.1%	2.3%	6.3%●	3.0%	1.6%	1.9%	2.5%
Payout	40.7%	29.8%	64.3%	34.3%	25.5%	21.3%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

Go deeper on FFIN

Run a DCF valuation

Full DCF model with editable assumptions

Start a head-to-head duel

Compare two stocks metric by metric

Filter in the stock screener

Build your own universe with 400+ metrics

Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.