First Financial Bankshares (FFIN) vs Fulton Financial (FULT)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Fulton Financial (FULT) has outperformed First Financial Bankshares (FFIN) over the past year, gaining 20.3% versus a loss of 5.9%. Over five years, FULT leads with a +38.6% price change compared with -34.1% for FFIN. First Financial Bankshares is the larger company by market cap ($4.41 billion vs $4.22 billion), about 1.0 times the size.
On valuation, Fulton Financial trades at a lower forward P/E (9.3x vs 14.2x for First Financial Bankshares). Fulton Financial offers the higher dividend yield (3.39% vs 2.57%). Fulton Financial converts more of its revenue into profit, with a net margin of 141.5% versus 40.1%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | FFIN | FULT |
|---|---|---|
| Share price | $30.77 | $22.10 |
| Market cap | $4.41B | $4.22B |
| 1-day change | -2.10% | -0.76% |
| YTD return | +5.22% | +15.21% |
| 1-year return | -5.87% | +20.31% |
| 5-year return | -34.11% | +38.58% |
| P/E ratio (TTM) | 16.81 | 10.63 |
| Forward P/E | 14.25 | 9.27 |
| EPS (TTM) | $1.83 | $2.08 |
| Dividend yield | 2.57% | 3.39% |
| Annual dividend | $0.79 | $0.75 |
| Revenue (latest FY) | $631.60M | $276.77M |
| Revenue growth (YoY) | +14.68% | -6.50% |
| Net income (latest FY) | $253.58M | $391.61M |
| Net margin | 40.15% | 141.49% |
| 52-week high | $36.52 | $25.23 |
| 52-week low | $28.12 | $16.60 |
| Distance from 52-week high | -15.74% | -12.41% |
| Analyst consensus | hold | buy |
| Avg. price target upside | +17.94% | +19.55% |
| Average volume | 754.55K | 1.68M |
| Shares outstanding | 143.33M | 190.91M |
| Employees | 1,500 | 3,400 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- FULT has outperformed FFIN by 26.2 percentage points over the past year.
- First Financial Bankshares trades at a higher earnings multiple (16.8x vs 10.6x trailing P/E).
- Fulton Financial is more profitable, keeping 141.5 cents of every revenue dollar as net income versus 40.1 cents for First Financial Bankshares.
- First Financial Bankshares grew revenue faster in its latest fiscal year (+14.68% vs -6.50%).
About First Financial Bankshares
FFIN stock →First Financial Bankshares, Inc., through its subsidiaries, provides banking services in the United States. The company offers general commercial banking services, including checking, savings and time deposits, loans, automated teller machines, drive-in and night deposit services, safe deposit facilities, remote deposit capture, internet banking, mobile banking, payroll cards, funds transfer, and other customary commercial banking service, as well as securities brokerage services.
Finance · Major Banks · 1,500 employees
About Fulton Financial
FULT stock →Fulton Financial Corporation operates as the bank holding company for Fulton Bank that provides banking and financial products and services in the United States. It provides various checking accounts and savings deposit products, and certificates of deposit.
Finance · Major Banks · 3,400 employees
FFIN vs FULT FAQ
Which is bigger, First Financial Bankshares or Fulton Financial?
First Financial Bankshares (FFIN) is larger, with a market capitalization of $4.41B compared with $4.22B for Fulton Financial (FULT).
Which stock has performed better over the past year, FFIN or FULT?
FULT returned +20.31% over the past 12 months, compared with -5.87% for FFIN (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FFIN or FULT?
FULT has the lower trailing P/E at 10.6, versus 16.8 for FFIN. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, First Financial Bankshares or Fulton Financial?
Fulton Financial has the higher yield at 3.39%, compared with 2.57% for First Financial Bankshares.
Are First Financial Bankshares and Fulton Financial in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.