First Financial Bankshares (FFIN)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$33.44+0.30%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · FFIN
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-09-04.
The screen ranks FFIN against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 3 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 67% of the time over the next year (vs 56% for the rest of the cohort, n=7680).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Met or beat guidance 100% of the last 1 guided quarters · 41.7% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue disciplined growth with prudent risk management to create long-term shareholder value.
Stated as a priority in 2 of last 2 quarters. Loans grew $188.66 million year-to-date through 2026-Q2, with net interest margin improving from 3.81% in 2025-Q2 to 3.90% in 2026-Q2. Management's focus on disciplined growth and prudent risk management is reflected in steady loan growth and margin expansion, indicating delivering progress.
“We remain focused on disciplined growth, prudent risk management and creating long term value for shareholders.”
“Our Company remains financially strong, sound and secure as reflected in our strong capital levels, diversified core deposit base, and sound lending practices.”
Focus on growing deposits and loans throughout 2026 to support balance sheet expansion.
Stated as a priority in 2 of last 2 quarters. Deposits increased by approximately $672 million from 2025-Q2 to 2026-Q2, and loans grew by about $272 million over the same period. Management's emphasis on deposit and loan growth is supported by these balance sheet expansions, indicating delivering progress.
Sustain strong capital ratios and credit quality metrics to support financial stability.
Stated as a priority in 2 of last 2 quarters. Shareholders’ equity increased from $1.74 billion in 2025-Q2 to $2.00 billion in 2026-Q2. Capital ratios remain strong with a Common Equity Tier 1 ratio of 20.23% in 2026-Q1. Credit quality metrics such as allowance for credit losses and nonperforming assets remain stable. Management is delivering on maintaining strong capital and credit quality.
Increase dividends and maintain an active share repurchase program to return capital to shareholders.
Stated as a priority in 2 of last 2 quarters. The Board increased the quarterly dividend by 15.8% to $0.22 per share in 2026-Q2 and renewed and expanded the share repurchase plan to 7.2 million shares in 2026-Q3 from 5.0 million previously. Management is delivering on capital return initiatives with increased dividends and expanded buyback authorization.
Continue to grow core deposits to support loan and securities growth in 2026.
Over the trailing year it converted 1.35x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9112).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, Fed net liquidity, long-term interest rates (low R² over the window).
6 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated stable grew net income 56% of the time over the next year (vs 57% for the rest of the cohort, n=2725).
Not investment advice. As of 2026-09-04.
“Deposits, excluding public funds, increased $149.57 million year-to-date.”
“Strong deposit growth during the quarter, which will set us up well to grow both loans and securities in 2026.”
“Shareholders’ equity was $2.00 billion as of June 30, 2026, compared to $1.74 billion at June 30, 2025.”
“Shareholders’ equity was $1.94 billion as of March 31, 2026, compared to $1.68 billion at March 31, 2025.”
“Board renewed and increased share repurchase plan to 7.2 million shares through July 31, 2027.”
“Board declared a $0.22 per share cash dividend for the second quarter, a 15.8 percent increase.”