First Financial Bankshares, Inc. Ratios | P/E, ROE & Valuation

On the Key Ratios page for First Financial Bankshares, Inc. (FFIN), the latest P/E of 17.7 frames valuation, while ROE 14.00% and ROIC 12.52% indicates profitability and capital efficiency. Together with the current ratio of 0.02 and debt-to-equity 0.04, these signals help you judge whether valuation is supported by fundamentals across the historical rows.

Financial Performance Ratios

FFIN Historical Per Share Metrics

10 years
Metric (FY)TTM202420232022202120202019201820172016
Revenue per Share$6.03$5.18$4.36$3.87$3.55$3.46$3.07$2.84$2.49$2.34
Net Income per Share$1.88$1.56$1.39$1.64$1.60$1.42$1.22$1.11$0.91$0.79
Operating Cash Flow per Share$2.40$2.17$2.00$2.27$2.50$1.48$1.49$1.38$1.44$1.22
Free Cash Flow per Share$2.25$2.05$1.88$2.16$2.36$1.37$1.44$1.25$1.33$1.06
Cash per Share$1.99$7.37$36.93$40.71$49.91$36.06$27.22$25.21$26.17$23.60
Book Value per Share$13.94$11.25$10.50$8.88$12.36$11.82$9.05$7.79$6.98$6.35
Tangible Book Value per Share$11.75$9.05$8.30$6.66$10.14$9.57$7.77$6.50$5.91$5.26
Interest Debt per Share$1.93$2.80$3.84$4.73$4.76$3.13$3.03$3.61$2.57$3.42
CAPEX per Share$0.15$0.12$0.12$0.11$0.13$0.12$0.06$0.13$0.11$0.15

FFIN Historical Valuation Ratios

10 years
Metric (FY)TTM202420232022202120202019201820172016
Price to Earnings (P/E)17.6723.0421.7320.9231.7925.4328.8925.924.7528.48
Price to Book (P/B)2.383.22.883.884.113.063.883.73.233.56
Price to Sales (P/S)5.516.976.958.914.3110.4411.4210.179.079.65
Enterprise Value to EBITDA13.5716.0616.3817.7725.8818.9623.1921.618.2521.52
EV to Sales5.276.26.739.4614.599.8411.6610.758.9410.27
EV to Operating Cash Flow13.2414.814.7116.0920.7722.9724.0222.1115.4319.75
EV to Free Cash Flow14.1215.6415.6616.9121.9624.9124.8824.4216.6822.62
Enterprise Value$4.55B$4.58B$4.19B$5.22B$7.38B$4.84B$4.86B$4.12B$2.94B$3.17B

FFIN Historical Profitability Ratios

10 years
Metric (FY)TTM202420232022202120202019201820172016
Return on Equity (ROE)14.00%13.91%13.27%18.52%12.94%12.04%13.43%14.30%13.04%12.50%
Return on Invested Capital (ROIC)12.52%11.89%10.05%11.91%8.97%9.13%9.94%9.71%9.32%7.87%
Return on Tangible Assets1.79%1.64%1.56%1.85%1.78%1.91%2.04%1.99%1.69%1.57%
Earnings Yield5.65%4.34%4.60%4.78%3.15%3.93%3.46%3.86%4.04%3.51%
Free Cash Flow Yield6.77%5.69%6.19%6.29%4.64%3.78%4.11%4.32%5.91%4.70%
Dividend Yield2.38%2.00%2.31%1.86%1.10%1.37%1.28%1.38%1.64%1.51%

FFIN Historical Liquidity & Financial Strength

10 years
Metric (FY)TTM202420232022202120202019201820172016
Current Ratio0.020.090.460.50.630.560.530.520.550.53
Interest Coverage1.631.341.688.9345.0117.026.589.4115.8524.94
Income Quality1.281.391.431.381.561.041.231.241.581.53
Debt to Equity0.040.120.270.510.380.260.310.440.360.53
Debt to Assets0.49%1.41%3.08%4.95%5.12%3.94%4.62%6.06%4.56%6.55%
Net Debt to EBITDA-0.62-1.99-0.521.060.5-1.170.491.15-0.271.29

FFIN Historical Efficiency Ratios

10 years
Metric (FY)TTM202420232022202120202019201820172016
Receivables Turnover0000000000
Payables Turnover000002.310000
Inventory Turnover0000000000
Days Sales Outstanding0000000000
Days Payables Outstanding00000158.290000
Days of Inventory on Hand0000000000

FFIN Historical Market Metrics

10 years
Metric (FY)TTM202420232022202120202019201820172016
Enterprise Value to EBITDA13.5716.0616.3817.7725.8818.9623.1921.618.2521.52
Market Cap$4.76B$5.15B$4.32B$4.91B$7.23B$5.14B$4.76B$3.90B$2.98B$2.98B
Enterprise Value$4.55B$4.58B$4.19B$5.22B$7.38B$4.84B$4.86B$4.12B$2.94B$3.17B
Dividend Yield2.38%2.00%2.31%1.86%1.10%1.37%1.28%1.38%1.64%1.51%
Payout Ratio40.50%46.04%50.24%38.94%35.03%34.81%37.05%35.76%40.67%42.86%

Frequently Asked Questions

How does First Financial Bankshares, Inc.’s P/E ratio compare with its history?

On this page, FFIN's current P/E is 17.7, compared with a multi-year average around 24.9. A lower P/E versus its own history is a calculated gap versus that average—not a conclusion that the stock is cheap. Pair it with profitability and earnings quality in the table (for example ROE/ROIC) to see whether the multiple moved with earnings.

What is First Financial Bankshares, Inc. market cap?

Market cap is the market value of a company's equity and is commonly calculated as share price multiplied by shares outstanding. The latest market cap shown in the table is $4.76B. Pair market cap with valuation multiples (P/E, P/B, P/S) so you can evaluate whether size also corresponds with "quality" and profitability. For a wider view across stocks, you can also use the stock screener.

How does First Financial Bankshares, Inc.’s P/E compare with its industry?

There is no P/E Tickerplace rates as good. Compare the P/E on this page with First Financial Bankshares, Inc.'s own historical range (in the table) and with peers via the Screener and Compare tools. A higher or lower multiple versus peers is a calculated gap, not a recommendation.

How does First Financial Bankshares, Inc. compare to its competitors in key financial ratios?

The fastest way to compare First Financial Bankshares, Inc. with competitors is to use the built-in "Peers Comparison" section on this page and the Compare tool. Focus on a small set of ratios that work together: P/E for valuation, ROE/ROIC for profitability and capital efficiency, current ratio and interest coverage for liquidity and solvency, and debt-to-equity for leverage risk. When you see First Financial Bankshares, Inc. outperform peers on profitability while keeping valuation and leverage reasonable, it often signals stronger fundamentals.

What do First Financial Bankshares, Inc.'s liquidity and leverage ratios show?

Liquidity and leverage figures on this page are published ratios, not a verdict that First Financial Bankshares, Inc. is financially strong. Current ratio is about 0.02, which is below 1.0 and can suggest tighter short-term liquidity. Interest coverage is about 1.63, implying less buffer for servicing interest costs. Debt-to-equity is about 0.04, suggesting leverage is more moderate relative to a high-debt profile. Pair them with ROE/ROIC and cash-flow rows in the table. Tickerplace does not rate the company as a good or poor investment.

What do First Financial Bankshares, Inc.'s financial ratios say about its future growth?

Ratios are a way to see what the business is likely to sustain. Look for upward trends in profitability metrics (ROE and ROIC), improving earnings/cash-flow backed measures, and stable or strengthening liquidity. If First Financial Bankshares, Inc. is sustaining strong returns (for example ROE at 14.00% and ROIC at 12.52%) while debt levels and interest coverage remain manageable, growth expectations may be more credible. If valuation multiples expand while returns weaken, the market may be pricing optimistic growth ahead of results.