First Financial Bankshares Inc
First Financial Bankshares, Inc. (FFIN) is a regional U.S. bank holding company with a market capitalisation of roughly $4.6bn. It operates through commercial and retail banking activities, earning from net interest income, fees and lending services. Investors should note its regional footprint and relatively concentrated loan and deposit base, which can make performance more sensitive to the local economy and credit conditions. Earnings are influenced by interest-rate movements, loan growth, and deposit costs; higher rates can lift margins but may also pressure borrowers. The company has historically distributed a dividend, but yield and future payouts depend on earnings and capital priorities. Key risks include credit losses in an economic downturn, deposit volatility, and regulatory oversight. This summary provides general information for educational purposes only and is not personalised financial advice — values can fall as well as rise, and past performance is not a guarantee of future returns.
Stock Performance Snapshot
Analyst Rating
Analysts suggest keeping First Financial Bankshares stock as its value may rise to $40.75.
Financial Health
First Financial Bankshares is performing well with solid revenue and cash flow generation.
Dividend
First Financial Bankshares Inc has a dividend yield of 2.01%, which is decent for dividend-seeking investors. If you invested $1000 you would be paid $7.20 a year in dividends (based on the last 12 months).
View more stocks by downloading the app for FREE
It only takes 60 seconds.
Baskets Featuring FFIN
Banking Liquidity Strain: Risks and Resilient Options
U.S. banks have significantly increased their borrowing from the Fed's emergency lending facility, signaling potential stress in short-term funding markets. This theme focuses on resilient financial institutions and technology providers that can help navigate or benefit from these tightening liquidity conditions.
Published: October 16, 2025
Explore BasketBanking On The Fed's Rate Hold
The Federal Reserve's decision to maintain current interest rates, despite political pressure, signals a commitment to managing inflation. This creates an investment opportunity in companies that benefit from a stable and higher interest rate environment, such as banks and other financial services firms.
Published: July 30, 2025
Explore BasketWhy You’ll Want to Watch This Stock
Interest-rate dynamics
Net interest margin and loan yields largely drive earnings; rising rates can help margins but may also increase borrower stress, so outcomes vary.
Regional banking footprint
Local lending and deposit relationships support stable business, but geographic concentration can make performance dependent on the local economy.
Credit cycle watch
Loan quality and charge-offs are important early indicators; investors should monitor asset quality and capital buffers as credit conditions change.
Compare First Financial Bankshares with other stocks
First Financial Bankshares vs Axos Financial
First Financial Bankshares vs Axos Financial
First Financial Bankshares vs Mercury General
First Financial Bankshares vs Mercury General
First Financial Bankshares vs FS KKR Capital
First Financial Bankshares vs FS KKR Capital
Why invest with Nemo?
Zero Commission
Trade stocks, ETFs, and more with zero commission. Keep more of your returns.
Trusted & Regulated
Part of Exinity Group 2015, serving over a million customers globally.
6% Interest on Cash
Earn 6% AER on uninvested cash with daily interest payments.
Discover More Opportunities
Ally Financial Inc.
Ally Financial Inc. is a financial services company that provides banking, lending, insurance, and investing products and services.
Ameris Bancorp
Ameris Bancorp is a bank holding company that provides a range of financial services to its customers through its subsidiary and affiliated banks.
Atlantic Union Bankshares Corporation
Atlantic Union Bankshares Corporation is the holding company for Atlantic Union Bank (the Bank), which provides banking and related financial products and services to consumers and businesses. The Bank has branches and ATMs located in Virginia, Maryland and North Carolina. It operates through two segments: Wholesale Banking and Consumer Banking. Its Wholesale Banking segment provides loan, leasing, and deposit services, as well as treasury management and capital market services to wholesale customers primarily throughout Virginia, Maryland, North Carolina, and South Carolina. These customers include commercial and industrial customers. This segment also includes its equipment finance subsidiary and its wealth management business. Its Consumer Banking segment provides loan and deposit services to consumers and small businesses throughout Virginia, Maryland, and North Carolina. Consumer Banking includes the home loan division and investment management, and advisory services businesses.
