Is First Financial Stock a Good Investment?
First Financial Investment Advice | FFIN |
- Examine First Financial's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research First Financial's leadership team and their track record. Good management can help First Financial navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact First Financial's business and its evolving consumer preferences.
- Compare First Financial's performance and market position to its competitors. Analyze how First Financial is positioned in terms of product offerings, innovation, and market share.
- Check if First Financial pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about First Financial's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in First Financial Bankshares stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if First Financial Bankshares is a good investment.
Sell | Buy |
Strong Buy
Market Performance | OK | Details | |
Volatility | Very steady | Details | |
Hype Condition | Stale | Details | |
Current Valuation | Fairly Valued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Slowly supersedes the market | Details | |
Investor Sentiment | Interested | Details | |
Analyst Consensus | Hold | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unavailable | Details |
Examine First Financial Stock
Researching First Financial's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 77.0% of the company shares are owned by institutional investors. The book value of First Financial was currently reported as 11.71. The company has Price/Earnings To Growth (PEG) ratio of 2.69. First Financial Bank last dividend was issued on the 13th of December 2024. The entity had 2:1 split on the 4th of June 2019.
To determine if First Financial is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding First Financial's research are outlined below:
| Over 77.0% of the company shares are owned by institutional investors | |
| Latest headline from thelincolnianonline.com: Advantage Alpha Capital Partners LP Increases Stock Position in First Financial Bancorp. |
First Financial uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in First Financial Bankshares. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to First Financial's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 18th of April 2024 Upcoming Quarterly Report | View | |
| 18th of July 2024 Next Financial Report | View | |
| 31st of March 2024 Next Fiscal Quarter End | View | |
| 23rd of January 2025 Next Fiscal Year End | View | |
| 31st of December 2023 Last Quarter Report | View | |
| 31st of December 2023 Last Financial Announcement | View |
Earnings surprises can significantly impact First Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises First Financial's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2010-04-22 | 2010-03-31 | 0.1 | 0.11 | 0.01 | 10 | ||
2009-07-23 | 2009-06-30 | 0.1 | 0.11 | 0.01 | 10 | ||
2009-04-23 | 2009-03-31 | 0.1 | 0.11 | 0.01 | 10 | ||
2008-10-23 | 2008-09-30 | 0.1 | 0.11 | 0.01 | 10 | ||
2007-07-19 | 2007-06-30 | 0.1 | 0.11 | 0.01 | 10 | ||
2007-04-19 | 2007-03-31 | 0.1 | 0.09 | -0.01 | 10 | ||
2005-10-20 | 2005-09-30 | 0.08 | 0.09 | 0.01 | 12 | ||
2005-07-20 | 2005-06-30 | 0.08 | 0.09 | 0.01 | 12 |
Know First Financial's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as First Financial is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading First Financial Bankshares backward and forwards among themselves. First Financial's institutional investor refers to the entity that pools money to purchase First Financial's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Northern Trust Corp | 2024-09-30 | 1.6 M | Bank Of New York Mellon Corp | 2024-06-30 | 1.4 M | Goldman Sachs Group Inc | 2024-06-30 | 1.3 M | Nuveen Asset Management, Llc | 2024-06-30 | 1.2 M | Norges Bank | 2024-06-30 | 1.1 M | Bank Of America Corp | 2024-06-30 | 1 M | Amvescap Plc. | 2024-06-30 | 963.9 K | Fuller & Thaler Asset Management Inc | 2024-09-30 | 929.8 K | Wells Fargo & Co | 2024-06-30 | 717.2 K | First Financial Bankshares Inc | 2024-06-30 | 18.1 M | Blackrock Inc | 2024-06-30 | 16.8 M |
First Financial's market capitalization trends
The company currently falls under 'Mid-Cap' category with a current market capitalization of 5.97 B.Market Cap |
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First Financial's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.02 | 0.01 | |
| Return On Capital Employed | 0.04 | 0.04 | |
| Return On Assets | 0.02 | 0.01 | |
| Return On Equity | 0.13 | 0.15 |
Determining First Financial's profitability involves analyzing its financial statements and using various financial metrics to determine if First Financial is a good buy. For example, gross profit margin measures First Financial's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of First Financial's profitability and make more informed investment decisions.
Evaluate First Financial's management efficiency
First Financial Bank has return on total asset (ROA) of 0.0157 % which means that it generated a profit of $0.0157 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1428 %, meaning that it created $0.1428 on every $100 dollars invested by stockholders. First Financial's management efficiency ratios could be used to measure how well First Financial manages its routine affairs as well as how well it operates its assets and liabilities. As of the 29th of November 2024, Return On Equity is likely to grow to 0.15, while Return On Tangible Assets are likely to drop 0.01. At this time, First Financial's Total Assets are very stable compared to the past year. As of the 29th of November 2024, Non Current Assets Total is likely to grow to about 5.5 B, though Non Currrent Assets Other are likely to grow to (4.9 B).| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 10.50 | 8.19 | |
| Tangible Book Value Per Share | 8.30 | 7.62 | |
| Enterprise Value Over EBITDA | 15.99 | 12.54 | |
| Price Book Value Ratio | 2.88 | 2.26 | |
| Enterprise Value Multiple | 15.99 | 12.54 | |
| Price Fair Value | 2.88 | 2.26 | |
| Enterprise Value | 3.8 B | 4 B |
The operational strategies employed by First Financial management play a crucial role in its market positioning. Assessing these strategies alongside financial data helps us evaluate the stock's investment potential.
Dividend Yield 0.0171 | Forward Dividend Yield 0.0171 | Forward Dividend Rate 0.72 | Beta 0.791 |
Basic technical analysis of First Stock
As of the 29th of November, First Financial shows the Coefficient Of Variation of 844.69, downside deviation of 1.46, and Mean Deviation of 1.45. First Financial Bank technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices.First Financial's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific First Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on First Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases First Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
First Financial's Outstanding Corporate Bonds
First Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. First Financial Bank uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most First bonds can be classified according to their maturity, which is the date when First Financial Bankshares has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| MPLX LP 52 Corp BondUS55336VAL45 | View | |
| Morgan Stanley 3591 Corp BondUS61744YAK47 | View |
Understand First Financial's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing First Financial's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.0974 | |||
| Market Risk Adjusted Performance | 0.1248 | |||
| Mean Deviation | 1.45 | |||
| Semi Deviation | 1.21 | |||
| Downside Deviation | 1.46 | |||
| Coefficient Of Variation | 844.69 | |||
| Standard Deviation | 2.31 | |||
| Variance | 5.34 | |||
| Information Ratio | 0.0641 | |||
| Jensen Alpha | (0) | |||
| Total Risk Alpha | (0.08) | |||
| Sortino Ratio | 0.1014 | |||
| Treynor Ratio | 0.1148 | |||
| Maximum Drawdown | 17.03 | |||
| Value At Risk | (2.03) | |||
| Potential Upside | 2.82 | |||
| Downside Variance | 2.13 | |||
| Semi Variance | 1.45 | |||
| Expected Short fall | (1.66) | |||
| Skewness | 3.49 | |||
| Kurtosis | 20.28 |
| Risk Adjusted Performance | 0.0974 | |||
| Market Risk Adjusted Performance | 0.1248 | |||
| Mean Deviation | 1.45 | |||
| Semi Deviation | 1.21 | |||
| Downside Deviation | 1.46 | |||
| Coefficient Of Variation | 844.69 | |||
| Standard Deviation | 2.31 | |||
| Variance | 5.34 | |||
| Information Ratio | 0.0641 | |||
| Jensen Alpha | (0) | |||
| Total Risk Alpha | (0.08) | |||
| Sortino Ratio | 0.1014 | |||
| Treynor Ratio | 0.1148 | |||
| Maximum Drawdown | 17.03 | |||
| Value At Risk | (2.03) | |||
| Potential Upside | 2.82 | |||
| Downside Variance | 2.13 | |||
| Semi Variance | 1.45 | |||
| Expected Short fall | (1.66) | |||
| Skewness | 3.49 | |||
| Kurtosis | 20.28 |
Consider First Financial's intraday indicators
First Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of First Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
First Financial Corporate Filings
8K | 22nd of November 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
F4 | 20th of November 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
10Q | 4th of November 2024 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | ViewVerify |
| 24th of October 2024 Other Reports | ViewVerify |
First Stock media impact
Far too much social signal, news, headlines, and media speculation about First Financial that are available to investors today. That information is available publicly through First media outlets and privately through word of mouth or via First internal channels. However, regardless of the origin, that massive amount of First data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of First Financial news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of First Financial relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to First Financial's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive First Financial alpha.
First Financial Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards First Financial can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
First Financial Bank Historical Investor Sentiment
Investor biases related to First Financial's public news can be used to forecast risks associated with an investment in First. The trend in average sentiment can be used to explain how an investor holding First can time the market purely based on public headlines and social activities around First Financial Bankshares. Please note that most equities that are difficult to arbitrage are affected by market sentiment the most.
First Financial's market sentiment shows the aggregated news analyzed to detect positive and negative mentions from the text and comments. The data is normalized to provide daily scores for First Financial and other traded tickers. The bigger the bubble, the more accurate the estimated score. Higher bars for a given day show more participation in the average First Financial news discussions. The higher the estimate score, the more favorable the investor's outlook on First Financial.
First Financial Corporate Management
| Isabel Montoya | Executive Operations | Profile | |
| John Ruzicka | Executive Officer | Profile | |
| Lawrence Kentz | Chief Officer | Profile | |
| Cynthia Suarez | Executive Officer | Profile | |
| Timothy Longhofer | Executive Officer | Profile |
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in First Financial Bankshares. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in gross domestic product. To learn how to invest in First Stock, please use our How to Invest in First Financial guide.You can also try the ETFs module to find actively traded Exchange Traded Funds (ETF) from around the world.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of First Financial. If investors know First will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about First Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.115 | Dividend Share 0.72 | Earnings Share 1.45 | Revenue Per Share 3.574 | Quarterly Revenue Growth 0.112 |
The market value of First Financial Bank is measured differently than its book value, which is the value of First that is recorded on the company's balance sheet. Investors also form their own opinion of First Financial's value that differs from its market value or its book value, called intrinsic value, which is First Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because First Financial's market value can be influenced by many factors that don't directly affect First Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
In summary, please note that there is a difference between First Financial's value and its price, as these two are different measures arrived at by various means. Investors typically determine if First Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, First Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.