First Financial Bankshares (FFIN)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$30.68-2.36%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
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 2026-11-05.
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 66% of the time over the next year (vs 56% for the rest of the cohort, n=7714).
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.
“As we enter the final quarter of the year, we remain focused on disciplined balance sheet growth and prudent risk management.
Stated in 2 of 4 supplied quarters. Management reported: ““As we enter the final quarter of the year, we remain focused on disciplined balance sheet growth and prudent risk management.” ““As we look ahead, we remain focused on disciplined growth, prudent risk management and creating long term value for shareholders.” Revenue was $189.045 million in 2026-Q3.
““As we enter the final quarter of the year, we remain focused on disciplined balance sheet growth and prudent risk management.”
““As we look ahead, we remain focused on disciplined growth, prudent risk management and creating long term value for shareholders.”
We are also excited to open our new Bee Cave location later this month, establishing our first full-service branch in the Austin market and an important step in our continued expansion across Texas.
Stated in 1 of 4 supplied quarters. Management reported: “We are also excited to open our new Bee Cave location later this month, establishing our first full-service branch in the Austin market and an important step in our continued expansion across Texas.”
“We are also excited to open our new Bee Cave location later this month, establishing our first full-service branch in the Austin market and an important step in our continued expansion across Texas.”
“First Financial continues to maintain one of the strongest capital positions in the banking industry, and we believe having a share repurchase plan in place serves the best interests of our sharehol…
Stated in a supplied disclosure. Management reported: ““First Financial continues to maintain one of the strongest capital positions in the banking industry, and we believe having a share repurchase plan in place serves the best interests of our shareholders by allowing us to repurchase shares when we believe they are attractively priced,” said David Bailey, President and CEO of First Financial Bankshares, Inc. “The renewal of this plan reflects our board’s confidence in the Company’s outlook.””
Build deposits and expand lending, with management identifying deposit growth as support for 2026 loan and securities growth.
Preserve strong capital levels and sound lending practices while monitoring credit quality.
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=9158).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, long-term interest rates, real (inflation-adjusted) rates, Fed net liquidity (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 58% of the time over the next year (vs 59% for the rest of the cohort, n=7436).
Not investment advice. As of 2026-11-05.