First Financial Bankshares IncFFIN
Price$31.75

Valuation

How Intrinsic Value compares with model outputs

Intrinsic Value Insufficient data for a value estimatebased on filings through 30 Jun 2026
Market Price $31.75Price as of 1 Oct 2026

Valuation methods vs. Market Price

Company vs. peer median Members

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Assumptions

ParameterValue
Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: 11.4% (near-term consensus, capped) · years 2–5: 5.4%/yr (balance of the path).6.5% per year
Years 6–10: glide to demonstrated growth
Per-year rates
Yr 65.6%Yr 75.8%Yr 86.1%Yr 96.3%Yr 106.5%
5.4% → 6.5%
Years 11–20: glide to long-run rate
Per-year rates
Yr 116.2%Yr 125.8%Yr 135.5%Yr 145.1%Yr 154.8%Yr 164.4%Yr 174.1%Yr 183.7%Yr 193.4%Yr 203.0%
6.5% → 3.0%
Beyond year 20: terminal growthPerpetual long-run rate3.0%
Historical EPS growth (multi-year median)median of 3 windows (5/6/7y)6.5%
Discount rate (cost of equity) 8.9%
Volatility vs market (adjusted beta)0.88

Valuation Detail Members

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Compare with peers

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Best in rowHigher is betterLower is better—Data not available
TargetFirst Financial Bankshares IncFFINFinancials
Valuation
P/E16.9×
P/S28.2×
P/B2.4×
EV / Revenue—
EV / EBITDA—
Profitability
Gross margin100.0%
Operating margin196.5%
Net margin161.2%
FCF margin194.9%
Returns
ROE13.5%
ROA1.8%
ROIC18.7%
Growth
Revenue growth (YoY)12.0%
5-yr fwd EPS growth—
Financial strength
Debt / Equity0.01×
Current ratio—
Altman Z-Score—
Interest coverage—
Dividend yield1.3%

Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.

AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.