First Financial Bankshares (FFIN) vs Independent Bank (INDB)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Independent Bank (INDB) has outperformed First Financial Bankshares (FFIN) over the past year, gaining 11.0% versus a loss of 5.9%. Over five years, INDB leads with a -4.1% price change compared with -34.1% for FFIN. First Financial Bankshares is the larger company by market cap ($4.50 billion vs $3.65 billion), about 1.2 times the size, while Independent Bank is growing revenue faster (+24.3% vs +14.7%).
On valuation, Independent Bank trades at a lower forward P/E (9.4x vs 14.6x for First Financial Bankshares). Independent Bank offers the higher dividend yield (3.19% vs 2.51%). First Financial Bankshares converts more of its revenue into profit, with a net margin of 40.1% versus 23.9%.
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 | INDB |
|---|---|---|
| Share price | $31.43 | $77.12 |
| Market cap | $4.50B | $3.65B |
| 1-day change | +0.13% | -1.39% |
| YTD return | +5.22% | +5.53% |
| 1-year return | -5.87% | +10.96% |
| 5-year return | -34.11% | -4.10% |
| P/E ratio (TTM) | 16.81 | 13.82 |
| Forward P/E | 14.55 | 9.36 |
| EPS (TTM) | $1.87 | $5.58 |
| Dividend yield | 2.51% | 3.19% |
| Annual dividend | $0.79 | $2.46 |
| Revenue (latest FY) | $631.60M | $857.52M |
| Revenue growth (YoY) | +14.68% | +24.32% |
| Net income (latest FY) | $253.58M | $205.12M |
| Net margin | 40.15% | 23.92% |
| 52-week high | $36.52 | $87.50 |
| 52-week low | $28.12 | $63.33 |
| Distance from 52-week high | -13.94% | -11.86% |
| Analyst consensus | hold | buy |
| Avg. price target upside | +15.46% | +21.15% |
| Average volume | 754.55K | 358.03K |
| Shares outstanding | 143.33M | 47.37M |
| Employees | 1,500 | 2,294 |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
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
- INDB has outperformed FFIN by 16.8 percentage points over the past year.
- First Financial Bankshares is more profitable, keeping 40.1 cents of every revenue dollar as net income versus 23.9 cents for Independent Bank.
- Independent Bank grew revenue faster in its latest fiscal year (+24.32% vs +14.68%).
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.
Financial Services · Banks - Regional · 1,500 employees
About Independent Bank
INDB stock →Independent Bank Corp. operates as the bank holding company for Rockland Trust Company that provides commercial banking products and services to individuals and small-to-medium sized businesses in the United States.
Financial Services · Banks - Regional · 2,294 employees
FFIN vs INDB FAQ
Which is bigger, First Financial Bankshares or Independent Bank?
First Financial Bankshares (FFIN) is larger, with a market capitalization of $4.50B compared with $3.65B for Independent Bank (INDB).
Which stock has performed better over the past year, FFIN or INDB?
INDB returned +10.96% 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 INDB?
INDB has the lower trailing P/E at 13.8, 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 Independent Bank?
Independent Bank has the higher yield at 3.19%, compared with 2.51% for First Financial Bankshares.
Are First Financial Bankshares and Independent Bank in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.