First Historical Financial Ratios

FFIN Stock

USD 37.21 0.31 0.83%

First Financial is recently reporting on over 105 different financial statement accounts. To analyze all of these accounts together requires a lot of time and effort. However, using these accounts to derive some meaningful and actionable indicators such as PTB Ratio of 2.26 or Days Sales Outstanding of 0.0 will help investors to properly organize and evaluate First Financial Bank financial condition quickly.

Quick Ratio Current Ratio

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.

About First Financial Ratios Analysis

First Financial BankFinancial ratios are relationships based on a company's financial information. They can serve as useful tools to evaluate First Financial investment potential. Financial ratio analysis can also be defined as the process of presenting financial ratios, which are mathematical indicators calculated by comparing key financial information appearing on First financial statements. Financial ratios are useful tools that help investors analyze and compare relationships between different pieces of financial information across First Financial history.

First Financial Financial Ratios Chart

At this time, First Financial's Earnings Yield is very stable compared to the past year. As of the 18th of February 2025, Net Debt To EBITDA is likely to grow to 1.00, while Price To Sales Ratio is likely to drop 5.60.

Price To Sales Ratio Dividend Yield Ptb Ratio Book Value Per Share

Add Fundamental

Price To Sales Ratio

Price to Sales Ratio is figured by comparing First Financial Bank stock price to its revenues. An advantage to using Price to Sales ratio is that it is based on First Financial sales, a figure that is much harder to manipulate than other First Financial Bankshares multiples. Because sales tend to be more stable P/S ratio can be a good tool for screening cyclical companies fluctuating earnings patterns. A valuation ratio that compares a company's stock price to its revenues, calculated by dividing the company's market cap by its total sales or revenue over a 12-month period.

Dividend Yield

Dividend Yield is First Financial Bankshares dividend as a percentage of First Financial stock price. First Financial Bank dividend yield is a measure of First Financial stock productivity, which can be interpreted as interest rate earned on an First Financial investment. A financial ratio that shows how much a company pays out in dividends each year relative to its stock price, calculated as annual dividends per share divided by price per share.

Ptb Ratio

Price-to-Book ratio, a financial valuation metric used to compare a company's current market price to its book value. It provides insight into the value that market participants place on the company's equity relative to its net asset value.

Book Value Per Share

The ratio of equity available to common shareholders divided by the number of outstanding shares. This measure represents the value per share of a company according to its financial statements.

Most ratios from First Financial's fundamentals are interrelated and interconnected. However, analyzing fundamentals ratios one by one will only give a small insight into First Financial Bank current financial condition. On the other hand, looking into the entire matrix of fundamentals ratios, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. 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.At this time, First Financial's Earnings Yield is very stable compared to the past year. As of the 18th of February 2025, Net Debt To EBITDA is likely to grow to 1.00, while Price To Sales Ratio is likely to drop 5.60.

	2022	2023	2024	2025 (projected)
Dividend Yield	0.0186	0.0231	0.0266	0.0264
Price To Sales Ratio	9.42	9.04	8.14	5.6

Dividend Yield Price To Sales Ratio

First Financial fundamentals Correlations

	Price To Sales Ratio	Dividend Yield	Ptb Ratio	Book Value Per Share	Free Cash Flow Yield	Operating Cash Flow Per Share	Capex To Depreciation	Pb Ratio	Ev To Sales	Free Cash Flow Per Share	Roic	Net Income Per Share	Capex To Revenue	Cash Per Share	Pocfratio	Interest Coverage	Payout Ratio	Capex To Operating Cash Flow	Pfcf Ratio	Income Quality	Roe	Ev To Operating Cash Flow	Pe Ratio	Return On Tangible Assets	Ev To Free Cash Flow	Earnings Yield
Price To Sales Ratio		-0.87	0.84	0.52	-0.8	0.08	-0.56	0.84	0.96	0.11	0.63	0.07	-0.32	-0.02	0.85	-0.02	-0.59	-0.25	0.78	0.44	0.0	0.83	0.88	0.34	0.77	-0.94
Dividend Yield	-0.87		-0.77	-0.37	0.87	0.1	0.5	-0.77	-0.92	0.08	-0.38	0.09	0.22	0.2	-0.83	-0.12	0.85	0.14	-0.77	-0.37	0.11	-0.9	-0.82	-0.31	-0.85	0.95
Ptb Ratio	0.84	-0.77		0.06	-0.76	-0.29	-0.62	1.0	0.75	-0.25	0.67	-0.33	0.07	-0.4	0.88	-0.25	-0.56	0.14	0.9	0.52	0.22	0.8	0.97	0.03	0.83	-0.84
Book Value Per Share	0.52	-0.37	0.06		-0.34	0.48	-0.15	0.06	0.54	0.49	0.07	0.56	-0.58	0.52	0.28	0.29	-0.31	-0.52	0.17	-0.16	-0.3	0.31	0.17	0.54	0.19	-0.34
Free Cash Flow Yield	-0.8	0.87	-0.76	-0.34		0.34	0.44	-0.76	-0.81	0.32	-0.41	0.25	0.04	0.37	-0.94	-0.07	0.73	-0.13	-0.92	-0.13	0.26	-0.97	-0.84	-0.29	-0.97	0.88
Operating Cash Flow Per Share	0.08	0.1	-0.29	0.48	0.34		-0.09	-0.29	0.13	1.0	0.12	0.96	-0.76	0.96	-0.38	0.08	0.24	-0.88	-0.49	-0.1	0.3	-0.34	-0.32	0.24	-0.46	0.1
Capex To Depreciation	-0.56	0.5	-0.62	-0.15	0.44	-0.09		-0.62	-0.47	-0.14	-0.6	-0.11	0.4	-0.03	-0.54	0.56	0.28	0.34	-0.53	0.0	-0.33	-0.45	-0.58	0.05	-0.45	0.53
Pb Ratio	0.84	-0.77	1.0	0.06	-0.76	-0.29	-0.62		0.75	-0.25	0.67	-0.33	0.07	-0.4	0.88	-0.25	-0.56	0.14	0.9	0.52	0.22	0.8	0.97	0.03	0.83	-0.84
Ev To Sales	0.96	-0.92	0.75	0.54	-0.81	0.13	-0.47	0.75		0.16	0.48	0.13	-0.38	0.02	0.78	0.15	-0.69	-0.3	0.69	0.4	-0.02	0.84	0.79	0.43	0.77	-0.93
Free Cash Flow Per Share	0.11	0.08	-0.25	0.49	0.32	1.0	-0.14	-0.25	0.16		0.15	0.96	-0.78	0.96	-0.35	0.05	0.22	-0.89	-0.46	-0.09	0.32	-0.32	-0.29	0.24	-0.44	0.07
Roic	0.63	-0.38	0.67	0.07	-0.41	0.12	-0.6	0.67	0.48	0.15		0.15	-0.33	0.01	0.59	-0.66	-0.05	-0.26	0.55	0.25	0.42	0.46	0.6	0.2	0.43	-0.54
Net Income Per Share	0.07	0.09	-0.33	0.56	0.25	0.96	-0.11	-0.33	0.13	0.96	0.15		-0.83	0.95	-0.31	0.02	0.18	-0.88	-0.43	-0.31	0.26	-0.26	-0.36	0.36	-0.39	0.11
Capex To Revenue	-0.32	0.22	0.07	-0.58	0.04	-0.76	0.4	0.07	-0.38	-0.78	-0.33	-0.83		-0.7	-0.01	0.15	0.07	0.95	0.15	0.2	-0.2	-0.07	0.09	-0.52	0.09	0.2
Cash Per Share	-0.02	0.2	-0.4	0.52	0.37	0.96	-0.03	-0.4	0.02	0.96	0.01	0.95	-0.7		-0.42	0.15	0.32	-0.8	-0.52	-0.26	0.2	-0.39	-0.41	0.14	-0.5	0.21
Pocfratio	0.85	-0.83	0.88	0.28	-0.94	-0.38	-0.54	0.88	0.78	-0.35	0.59	-0.31	-0.01	-0.42		-0.14	-0.65	0.16	0.98	0.25	-0.12	0.96	0.93	0.22	0.96	-0.88
Interest Coverage	-0.02	-0.12	-0.25	0.29	-0.07	0.08	0.56	-0.25	0.15	0.05	-0.66	0.02	0.15	0.15	-0.14		-0.22	0.13	-0.16	0.13	-0.5	0.04	-0.13	-0.02	0.01	-0.04
Payout Ratio	-0.59	0.85	-0.56	-0.31	0.73	0.24	0.28	-0.56	-0.69	0.22	-0.05	0.18	0.07	0.32	-0.65	-0.22		-0.04	-0.62	-0.18	0.11	-0.76	-0.58	-0.4	-0.74	0.66
Capex To Operating Cash Flow	-0.25	0.14	0.14	-0.52	-0.13	-0.88	0.34	0.14	-0.3	-0.89	-0.26	-0.88	0.95	-0.8	0.16	0.13	-0.04		0.3	0.08	-0.25	0.11	0.16	-0.4	0.27	0.13
Pfcf Ratio	0.78	-0.77	0.9	0.17	-0.92	-0.49	-0.53	0.9	0.69	-0.46	0.55	-0.43	0.15	-0.52	0.98	-0.16	-0.62	0.3		0.25	-0.1	0.92	0.93	0.09	0.96	-0.82
Income Quality	0.44	-0.37	0.52	-0.16	-0.13	-0.1	0.0	0.52	0.4	-0.09	0.25	-0.31	0.2	-0.26	0.25	0.13	-0.18	0.08	0.25		0.04	0.21	0.52	-0.12	0.21	-0.49
Roe	0.0	0.11	0.22	-0.3	0.26	0.3	-0.33	0.22	-0.02	0.32	0.42	0.26	-0.2	0.2	-0.12	-0.5	0.11	-0.25	-0.1	0.04		-0.16	-0.02	-0.03	-0.16	0.12
Ev To Operating Cash Flow	0.83	-0.9	0.8	0.31	-0.97	-0.34	-0.45	0.8	0.84	-0.32	0.46	-0.26	-0.07	-0.39	0.96	0.04	-0.76	0.11	0.92	0.21	-0.16		0.86	0.32	0.98	-0.89
Pe Ratio	0.88	-0.82	0.97	0.17	-0.84	-0.32	-0.58	0.97	0.79	-0.29	0.6	-0.36	0.09	-0.41	0.93	-0.13	-0.58	0.16	0.93	0.52	-0.02	0.86		0.02	0.88	-0.91
Return On Tangible Assets	0.34	-0.31	0.03	0.54	-0.29	0.24	0.05	0.03	0.43	0.24	0.2	0.36	-0.52	0.14	0.22	-0.02	-0.4	-0.4	0.09	-0.12	-0.03	0.32	0.02		0.18	-0.23
Ev To Free Cash Flow	0.77	-0.85	0.83	0.19	-0.97	-0.46	-0.45	0.83	0.77	-0.44	0.43	-0.39	0.09	-0.5	0.96	0.01	-0.74	0.27	0.96	0.21	-0.16	0.98	0.88	0.18		-0.85
Earnings Yield	-0.94	0.95	-0.84	-0.34	0.88	0.1	0.53	-0.84	-0.93	0.07	-0.54	0.11	0.2	0.21	-0.88	-0.04	0.66	0.13	-0.82	-0.49	0.12	-0.89	-0.91	-0.23	-0.85

Click cells to compare fundamentals

First Financial Account Relationship Matchups

First Financial fundamentals Accounts

	2020	2021	2022	2023	2024	2025 (projected)
Price To Sales Ratio	10.73	14.45	9.42	9.04	8.14	5.6
Dividend Yield	0.0137	0.011	0.0186	0.0231	0.0266	0.0264
Ptb Ratio	3.88	3.06	4.11	2.88	2.6	2.26
Book Value Per Share	73.75	87.36	8.88	10.5	9.45	8.19
Free Cash Flow Yield	0.0378	0.0462	0.0628	0.0619	0.0712	0.071
Operating Cash Flow Per Share	1.48	2.48	2.27	2.0	1.8	1.89
Stock Based Compensation To Revenue	0.006922	0.006483	0.007599	0.008903	0.008013	0.004559
Capex To Depreciation	1.29	1.47	1.24	1.37	1.23	0.86
Pb Ratio	3.88	3.06	4.11	2.88	2.6	2.26
Ev To Sales	12.54	10.11	14.74	10.02	7.17	5.17
Free Cash Flow Per Share	1.37	2.35	2.16	1.88	1.69	1.77
Roic	0.0333	0.0309	0.0235	0.0372	0.0335	0.0196
Net Income Per Share	1.42	1.6	1.64	1.39	1.26	1.32
Capex To Revenue	0.0344	0.0384	0.0303	0.0361	0.0415	0.0568
Cash Per Share	36.06	49.91	40.71	36.93	42.47	40.34
Pocfratio	24.39	20.48	15.14	15.18	13.66	8.94
Interest Coverage	6.58	17.02	45.01	9.98	8.98	8.42
Payout Ratio	0.36	0.37	0.35	0.5	0.58	0.47
Capex To Operating Cash Flow	0.0781	0.0544	0.0487	0.0606	0.0697	0.0886
Pfcf Ratio	26.45	21.66	15.92	16.16	14.54	12.12
Income Quality	1.04	1.55	1.38	1.43	1.29	1.07
Ev To Operating Cash Flow	22.97	20.88	16.11	13.37	12.03	7.53
Pe Ratio	25.43	31.79	20.92	21.73	19.56	16.3
Return On Tangible Assets	0.0204	0.0191	0.0178	0.0185	0.014	0.0131
Ev To Free Cash Flow	24.91	22.08	16.93	14.23	12.81	10.61
Earnings Yield	0.0393	0.0315	0.0478	0.046	0.0529	0.0609
Intangibles To Total Assets	0.0292	0.0242	0.0243	0.024	0.0216	0.015
Net Debt To E B I T D A	0.47	(1.14)	0.5	1.06	0.96	1.0
Tangible Book Value Per Share	71.5	85.14	6.66	8.3	7.47	7.62
Graham Number	19.45	21.09	18.12	18.15	16.34	17.16
Shareholders Equity Per Share	11.82	12.36	8.88	10.5	9.45	9.93
Debt To Equity	0.26	0.38	0.51	0.014	0.0126	0.012
Graham Net Net	33.03	45.19	(41.4)	(44.41)	(51.08)	(48.52)
Revenue Per Share	3.37	3.52	3.65	3.35	3.02	3.17
Interest Debt Per Share	3.13	4.76	4.73	1.16	1.04	1.42
Debt To Assets	0.0394	0.0512	0.0495	0.001606	0.001446	0.001373

Pair Trading with First Financial

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if First Financial position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in First Financial will appreciate offsetting losses from the drop in the long position's value.

Moving together with First Stock

0.97	AX	Axos Financial	Pair Corr
0.95	BY	Byline Bancorp	Pair Corr
0.72	KB	KB Financial Group	Pair Corr
0.65	NU	Nu Holdings	Pair Corr

Moving against First Stock

0.82	VBFC	Village Bank	Pair Corr
0.47	TECTP	Tectonic Financial	Pair Corr
0.4	DB	Deutsche Bank AG Normal Trading	Pair Corr
0.38	EBTC	Enterprise Bancorp	Pair Corr

The ability to find closely correlated positions to First Financial could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace First Financial when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back First Financial - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling First Financial Bankshares to buy it.

The correlation of First Financial is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as First Financial moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if First Financial Bank moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.

Correlation analysis and pair trading evaluation for First Financial can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.

Pair Correlation Correlation Matching

When determining whether First Financial Bank offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of First Financial's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of First Financial Bankshares Stock. Outlined below are crucial reports that will aid in making a well-informed decision on First Financial Bankshares Stock:

How To Invest In First

Details

Is First Stock a good investment?

Details

What is First Financial's Net Worth?

Details

Largest Regional Banks Companies

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Largest Banks - Regional Companies

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To learn how to invest in First Stock, please use our How to Invest in First Financial guide.

You can also try the Content Syndication module to quickly integrate customizable finance content to your own investment portal.

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

0.348

Dividend Share

0.72

Earnings Share

1.56

Revenue Per Share

3.759

Quarterly Revenue Growth

0.223

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.

Please note, there is a significant difference between First Financial's value and its price as these two are different measures arrived at by different 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.

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Price To Sales Ratio	Dividend Yield
Ptb Ratio	Days Sales Outstanding
Book Value Per Share	Free Cash Flow Yield
Invested Capital	Operating Cash Flow Per Share
Average Payables	Stock Based Compensation To Revenue
Capex To Depreciation	Pb Ratio
Ev To Sales	Free Cash Flow Per Share
Roic	Inventory Turnover
Net Income Per Share	Days Of Inventory On Hand
Payables Turnover	Sales General And Administrative To Revenue
Average Inventory	Research And Ddevelopement To Revenue
Capex To Revenue	Cash Per Share
Pocfratio	Interest Coverage
Payout Ratio	Capex To Operating Cash Flow
Pfcf Ratio	Days Payables Outstanding
Net Current Asset Value	Income Quality
Roe	Tangible Asset Value
Ev To Operating Cash Flow	Pe Ratio
Return On Tangible Assets	Ev To Free Cash Flow
Earnings Yield	Intangibles To Total Assets
Net Debt To E B I T D A	Current Ratio
Tangible Book Value Per Share	Receivables Turnover
Graham Number	Shareholders Equity Per Share
Debt To Equity	Capex Per Share
Graham Net Net	Average Receivables
Revenue Per Share	Interest Debt Per Share
Debt To Assets	Enterprise Value Over E B I T D A
Short Term Coverage Ratios	Price Earnings Ratio
Operating Cycle	Price Book Value Ratio
Price Earnings To Growth Ratio	Days Of Payables Outstanding
Dividend Payout Ratio	Price To Operating Cash Flows Ratio
Price To Free Cash Flows Ratio	Pretax Profit Margin
Ebt Per Ebit	Operating Profit Margin
Effective Tax Rate	Company Equity Multiplier
Long Term Debt To Capitalization	Total Debt To Capitalization
Return On Capital Employed	Debt Equity Ratio
Ebit Per Revenue	Quick Ratio
Dividend Paid And Capex Coverage Ratio	Net Income Per E B T
Cash Ratio	Cash Conversion Cycle
Operating Cash Flow Sales Ratio	Days Of Inventory Outstanding
Days Of Sales Outstanding	Free Cash Flow Operating Cash Flow Ratio
Cash Flow Coverage Ratios	Price To Book Ratio
Fixed Asset Turnover	Capital Expenditure Coverage Ratio
Price Cash Flow Ratio	Enterprise Value Multiple
Debt Ratio	Cash Flow To Debt Ratio
Price Sales Ratio	Return On Assets
Asset Turnover	Net Profit Margin
Gross Profit Margin	Price Fair Value
Return On Equity

First Historical Financial Ratios

About First Financial Ratios Analysis

First Financial Financial Ratios Chart

Price To Sales Ratio

Dividend Yield

Ptb Ratio

Book Value Per Share

First Financial fundamentals Correlations

First Financial Account Relationship Matchups

High Positive Relationship

High Negative Relationship

First Financial fundamentals Accounts

Pair Trading with First Financial

Moving together with First Stock

Moving against First Stock

COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY

Pb Ratio	+ 1.0	Ptb Ratio
Free Cash Flow Per Share	+ 1.0	Operating Cash Flow Per Share
Pfcf Ratio	+ 0.98	Pocfratio
Ev To Free Cash Flow	+ 0.98	Ev To Operating Cash Flow
Pe Ratio	+ 0.97	Ptb Ratio
Pe Ratio	+ 0.97	Pb Ratio

Ev To Free Cash Flow	- 0.97	Free Cash Flow Yield
Ev To Operating Cash Flow	- 0.97	Free Cash Flow Yield
Pocfratio	- 0.94	Free Cash Flow Yield
Earnings Yield	- 0.94	Price To Sales Ratio
Earnings Yield	- 0.93	Ev To Sales
Pfcf Ratio	- 0.92	Free Cash Flow Yield