First Financial Bankshares Financial Ratios
NASDAQ: FFINFinanceMajor BanksUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
First Financial Bankshares ratio analysis
First Financial Bankshares earned a net margin of 40.1% in FY 2025, down from 40.6% a year earlier. Return on equity reached 13.2%, meaning First Financial Bankshares generated 0.13 dollars of profit for every dollar of shareholders' equity. Debt-to-equity stood at 0.01 versus 0.08 the year before.
At the end of FY 2025, FFIN traded at 17.0 times earnings; across the 10 fiscal years shown, its year-end P/E ranged from 14.2 to 32.0, with a median of 23.9. Valuation ratios use the closing share price on each fiscal year-end date and diluted shares from the income statement; profitability and leverage ratios use reported annual figures. Current valuation multiples are on the statistics page.
Summary generated from market data by MetaCap's automated system. Methodology
First Financial Bankshares financial ratios (annual)
| Ratio | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/E ratio (at fiscal year end) | 16.96 | 23.09 | 21.80 | 20.98 | 31.97 | 25.47 | 28.80 | 26.56 | 24.75 | 14.21 |
| Price / sales | 6.80 | 9.34 | 8.79 | 9.20 | 14.11 | 1,841.99 | 1,669.84 | 1,486.55 | 1,258.56 | 697.47 |
| Price / book | 2.24 | 3.20 | 2.88 | 3.88 | 4.11 | 3.06 | 3.85 | 3.79 | 3.23 | 1.78 |
| Net margin | 40.1% | 40.6% | 40.5% | 44.0% | 44.4% | 7,244.0% | 5,821.7% | 5,616.6% | 5,085.4% | 4,898.3% |
| Free cash flow margin | 45.3% | 53.2% | 54.4% | 57.9% | 65.5% | 6,963.7% | 6,845.0% | 6,290.2% | 7,440.3% | 6,561.2% |
| Return on equity (ROE) | 13.2% | 13.9% | 13.3% | 18.5% | 12.9% | 12.0% | 13.4% | 14.3% | 13.0% | 12.5% |
| Return on assets (ROA) | 1.6% | 1.6% | 1.5% | 1.8% | 1.7% | 1.9% | 2.0% | 1.9% | 1.7% | 1.5% |
| Debt / equity | 0.01 | 0.08 | 0.01 | 0.02 | 0.38 | 0.26 | 0.31 | 0.44 | 0.36 | 0.53 |
| Revenue growth | 14.7% | 12.0% | -7.7% | 4.0% | 18,277.2% | -1.5% | 5.6% | 13.3% | 10.7% | 9.7% |
| EPS growth | 13.5% | 12.2% | -15.2% | 3.1% | 12.0% | 17.4% | 9.0% | 22.0% | -42.8% | 3.2% |