First Financial Net Worth

First Financial Net Worth Breakdown

  FFIN
The net worth of First Financial Bankshares is the difference between its total assets and liabilities. First Financial's net worth represents the value of the company's equity or ownership interest. In other words, it is the amount of money that would be left over if all of First Financial's assets were sold and all of its debts were paid off. Net worth is sometimes referred to as shareholder's equity or book value. First Financial's net worth can be used as a measure of its financial health and stability which can help investors to decide if First Financial is a good investment. It is also essential in determining the company's creditworthiness and ability to secure financing before investing in First Financial Bankshares stock.

First Financial Net Worth Analysis

First Financial's net worth analysis, or its valuation, is the process of determining the total value of the company. This involves assessing a range of factors, including First Financial's financial performance, assets, liabilities, and potential for growth. The ultimate goal is to provide a clear understanding of First Financial's overall worth, which can help investors make informed investment decisions. There are several methods that can be used to perform First Financial's net worth analysis. One common approach is to calculate First Financial's market capitalization.Another approach is to use the price-to-earnings ratio (P/E ratio), which compares First Financial's stock price to its earnings per share (EPS). Discounted cash flow (DCF) analysis is another popular method for assessing First Financial's net worth. This approach calculates the present value of First Financial's future cash flows, taking into account factors such as growth rate, profitability, and risk. By comparing the present value of First Financial's cash flows to its current stock price, investors can gain a better understanding of the company's overall value. Finally, investors may use comparable company analysis to evaluate First Financial's net worth. This involves comparing First Financial's financial metrics to similar companies in the same industry. By identifying companies with similar financial characteristics, investors can gain insight into First Financial's net worth relative to its peers.

Enterprise Value

3.6 Billion

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 net worth research are outlined below:
Over 77.0% of the company shares are owned by institutional investors
Latest headline from thelincolnianonline.com: Royal London Asset Management Ltd. Buys 4,002 Shares of Merck Co., Inc.
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

First Financial Target Price Consensus

First target price is determined by taking all analyst projections and averaging them out. There is no one specific way to measure analysts' performance other than comparing it to past results via a very sophisticated attribution analysis. First Financial's target price projections below should be used in combination with other traditional price prediction techniques such as stock price forecasting, investor sentiment analysis, technical analysis, earnings estimate, and various momentum models.
   4  Hold
Most First analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to help potential investors understand First stock's fair price compared to its market value. Analysts arrive at stock ratings after researching the public financial statements of First Financial Bank, talking to its executives and customers, or listening to those companies' conference calls.
Macroaxis Advice   Exposure   Valuation

First Financial Target Price Projection

First Financial's current and average target prices are 36.81 and 41.25, respectively. The current price of First Financial is the price at which First Financial Bankshares is currently trading. On the other hand, First Financial's target price is what analysts think the stock is worth or could sell for in the future. The more significant the discrepancy between the two prices, the more it stimulates investors to act.

Current Price

First Financial Market Quote on 24th of March 2025

Low Price35.7Odds
High Price36.93Odds

36.81

Target Price

Analyst Consensus On First Financial Target Price

Low Estimate37.54Odds
High Estimate45.79Odds

41.25

Historical Lowest Forecast  37.54 Target Price  41.25 Highest Forecast  45.79
Note that most analysts generally publish their price targets in research reports on specific companies, along with recommendations for the company's stock.Although price targets are often quoted in the financial news media, there could be a delay between the publication of the latest analyst outlook on First Financial Bankshares and the information provided on this page.

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
Charles Schwab Investment Management Inc2024-12-31
1.7 M
Goldman Sachs Group Inc2024-12-31
1.4 M
Norges Bank2024-12-31
1.3 M
Nuveen Asset Management, Llc2024-12-31
1.1 M
Amvescap Plc.2024-12-31
1.1 M
Bank Of New York Mellon Corp2024-12-31
1.1 M
Fuller & Thaler Asset Management Inc2024-12-31
915.9 K
Bank Of America Corp2024-12-31
850.8 K
Jpmorgan Chase & Co2024-12-31
687.3 K
Blackrock Inc2024-12-31
17.5 M
First Financial Bankshares Inc2024-12-31
17.3 M
Note, although First Financial's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Follow First Financial's market capitalization trends

The company currently falls under 'Mid-Cap' category with a current market capitalization of 5.1 B.

Market Cap

4.09 Billion

Project First Financial's profitablity

Last ReportedProjected for Next Year
Return On Tangible Assets 0.02  0.01 
Return On Assets 0.02  0.01 
Return On Equity 0.14  0.15 
The company has Profit Margin (PM) of 0.42 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.56 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.56.
When accessing First Financial's net worth, it's important to look at multiple sources and consider different scenarios. 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 0.0165 % which means that it generated a profit of $0.0165 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.144 %, meaning that it created $0.144 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 24th of March 2025, 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 24th of March 2025, Other Current Assets is likely to grow to about 879.2 M, while Non Current Assets Total are likely to drop about 442.6 M.
Last ReportedProjected for Next Year
Book Value Per Share 11.25  8.22 
Tangible Book Value Per Share 9.05  7.62 
Enterprise Value Over EBITDA 15.99  12.54 
Price Book Value Ratio 3.20  2.27 
Enterprise Value Multiple 15.99  12.54 
Price Fair Value 3.20  2.27 
Enterprise Value3.4 B3.6 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.
Enterprise Value Revenue
9.725
Revenue
536.9 M
Quarterly Revenue Growth
0.223
Revenue Per Share
3.759
Return On Equity
0.144
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 Corporate Filings

20th of March 2025
Other Reports
ViewVerify
F4
13th of March 2025
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
10K
21st of February 2025
Annual report required by the U.S. Securities and Exchange Commission (SEC) of a company financial performance
ViewVerify
11th of February 2025
Other Reports
ViewVerify
First Financial time-series forecasting models is one of many First Financial's stock analysis techniques aimed to predict future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary First Financial's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

First Financial Earnings Estimation Breakdown

The calculation of First Financial's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of First Financial is estimated to be 0.4267 with the future projection ranging from a low of 0.42 to a high of 0.43. Please be aware that this consensus of annual earnings estimates for First Financial Bankshares is based on EPS before non-recurring items and includes expenses related to employee stock options.
Last Reported EPS
0.43
0.42
Lowest
Expected EPS
0.4267
0.43
Highest

First Financial Earnings Projection Consensus

Suppose the current estimates of First Financial's value are higher than the current market price of the First Financial stock. In this case, investors may conclude that First Financial is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and First Financial's stock will quickly adjusts to the new information provided by the consensus estimate.
Number of AnalystsHistorical AccuracyLast Reported EPSEstimated EPS for 31st of March 2025Current EPS (TTM)
496.88%
0.43
0.4267
1.56

First Financial Earnings History

Earnings estimate consensus by First Financial Bank analysts from Wall Street is used by the market to judge First Financial's stock performance. Investors also use these earnings estimates to evaluate and project the stock performance into the future in order to make their investment decisions. However, we recommend analyzing not only First Financial's upcoming profit reports and earnings-per-share forecasts but also comparing them to our different valuation methods.

First Financial Quarterly Gross Profit

143.65 Million

At this time, First Financial's Retained Earnings are very stable compared to the past year. As of the 24th of March 2025, Retained Earnings Total Equity is likely to grow to about 1.4 B, while Earning Assets are likely to drop about 3.5 B. As of the 24th of March 2025, Net Income Applicable To Common Shares is likely to grow to about 283.1 M, while Common Stock Shares Outstanding is likely to drop about 112 M.
Hype
Prediction
LowEstimatedHigh
34.2635.7037.14
Details
Intrinsic
Valuation
LowRealHigh
32.1338.6640.10
Details
Naive
Forecast
LowNextHigh
34.3435.7837.22
Details
4 Analysts
Consensus
LowTargetHigh
37.5441.2545.79
Details
Note that many institutional investors and large investment bankers can move markets due to the volume of First assets they manage. They also follow analysts to some degree and often drive overall investor sentiments towards First Financial. With so many stockholders watching consensus numbers, the difference between actual and projected earnings is one of the most critical factors driving First Financial's stock price in the short term.

First Financial Earnings per Share Projection vs Actual

Actual Earning per Share of First Financial refers to what the company shows during its earnings calls or quarterly reports. The Expected EPS is what analysts covering First Financial Bankshares predict the company's earnings will be in the future. The higher the earnings per share of First Financial, the better is its profitability. While calculating the Earning per Share, we use the weighted ratio, as the number of shares outstanding can change over time.

First Financial Estimated Months Earnings per Share

For an investor who is primarily interested in generating an income out of investing in entities such as First Financial, the EPS ratio can tell if the company is intending to increase its current dividend. Although EPS is an essential tool for investors, it should not be used in isolation. EPS of First Financial should always be considered in relation to other companies to make a more educated investment decision.

First Quarterly Analyst Estimates and Surprise Metrics

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.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2025-01-23
2024-12-310.40.430.03
2024-10-17
2024-09-300.390.390.0
2024-07-18
2024-06-300.360.370.01
2024-04-18
2024-03-310.350.370.02
2024-01-25
2023-12-310.340.32-0.02
2023-10-19
2023-09-300.360.35-0.01
2023-07-20
2023-06-300.360.360.0
2023-04-20
2023-03-310.390.37-0.02
2023-01-19
2022-12-310.410.410.0
2022-10-20
2022-09-300.410.410.0
2022-07-21
2022-06-300.40.420.02
2022-04-21
2022-03-310.370.390.02
2022-01-27
2021-12-310.380.390.01
2021-10-21
2021-09-300.380.410.03
2021-07-22
2021-06-300.380.390.01
2021-04-22
2021-03-310.370.40.03
2021-01-28
2020-12-310.370.410.0410 
2020-10-22
2020-09-300.340.370.03
2020-07-23
2020-06-300.260.380.1246 
2020-04-23
2020-03-310.290.26-0.0310 
2020-01-23
2019-12-310.290.30.01
2019-10-17
2019-09-300.310.320.01
2019-07-18
2019-06-300.290.310.02
2019-04-18
2019-03-310.280.280.0
2019-01-24
2018-12-310.290.290.0
2018-10-18
2018-09-300.280.30.02
2018-07-19
2018-06-300.260.280.02
2018-04-19
2018-03-310.240.260.02
2018-01-25
2017-12-310.220.220.0
2017-10-19
2017-09-300.220.220.0
2017-07-20
2017-06-300.210.220.01
2017-04-20
2017-03-310.20.20.0
2017-01-26
2016-12-310.20.20.0
2016-10-20
2016-09-300.20.20.0
2016-07-21
2016-06-300.190.210.0210 
2016-04-21
2016-03-310.190.20.01
2016-01-28
2015-12-310.210.19-0.02
2015-10-22
2015-09-300.20.20.0
2015-07-16
2015-06-300.190.20.01
2015-04-16
2015-03-310.180.190.01
2015-01-22
2014-12-310.180.190.01
2014-10-16
2014-09-300.180.180.0
2014-07-17
2014-06-300.170.170.0
2014-04-17
2014-03-310.160.180.0212 
2014-01-23
2013-12-310.170.170.0
2013-10-17
2013-09-300.160.15-0.01
2013-07-18
2013-06-300.150.150.0
2013-04-18
2013-03-310.140.150.01
2013-01-24
2012-12-310.150.14-0.01
2012-10-18
2012-09-300.140.160.0214 
2012-07-19
2012-06-300.140.140.0
2012-04-23
2012-03-310.140.140.0
2012-01-26
2011-12-310.140.140.0
2011-10-20
2011-09-300.130.140.01
2011-07-21
2011-06-300.130.130.0
2011-04-21
2011-03-310.120.130.01
2011-01-27
2010-12-310.120.120.0
2010-10-21
2010-09-300.110.130.0218 
2010-07-22
2010-06-300.110.110.0
2010-04-22
2010-03-310.10.110.0110 
2010-01-28
2009-12-310.110.1-0.01
2009-10-22
2009-09-300.110.110.0
2009-07-23
2009-06-300.10.110.0110 
2009-04-23
2009-03-310.10.110.0110 
2009-01-22
2008-12-310.110.1-0.01
2008-10-23
2008-09-300.10.110.0110 
2008-07-17
2008-06-300.110.110.0
2008-04-17
2008-03-310.110.110.0
2008-01-24
2007-12-310.10.10.0
2007-10-18
2007-09-300.10.10.0
2007-07-19
2007-06-300.10.110.0110 
2007-04-19
2007-03-310.10.09-0.0110 
2007-01-24
2006-12-310.090.090.0
2006-10-19
2006-09-300.090.090.0
2006-07-20
2006-06-300.090.090.0
2006-04-20
2006-03-310.090.090.0
2006-01-19
2005-12-310.090.090.0
2005-10-20
2005-09-300.080.090.0112 
2005-07-20
2005-06-300.080.090.0112 
2005-04-20
2005-03-310.080.10.0225 
2005-01-19
2004-12-310.080.080.0
2004-10-19
2004-09-300.070.080.0114 
2004-07-20
2004-06-300.070.070.0
2004-04-20
2004-03-310.070.080.0114 
2004-01-16
2003-12-310.070.070.0
2003-10-16
2003-09-300.070.070.0
2003-07-16
2003-06-300.070.070.0
2003-04-16
2003-03-310.070.070.0
2003-01-16
2002-12-310.070.070.0
2002-10-16
2002-09-300.070.070.0
2002-07-17
2002-06-300.070.070.0
2002-04-16
2002-03-310.060.070.0116 
2002-01-15
2001-12-310.060.060.0
2001-10-15
2001-09-300.060.060.0
2001-07-17
2001-06-300.060.060.0
2001-04-16
2001-03-310.060.060.0
2001-01-16
2000-12-310.060.060.0
2000-10-12
2000-09-300.060.060.0
2000-07-13
2000-06-300.060.060.0
2000-04-13
2000-03-310.050.050.0
2000-01-13
1999-12-310.050.050.0
1999-10-14
1999-09-300.050.050.0
1999-07-13
1999-06-300.050.050.0
1998-07-02
1998-06-300.040.050.0125 
1998-01-15
1997-12-310.040.040.0

First Financial Corporate Management

Michael WolvertonExecutive LendingProfile
Isabel MontoyaExecutive OperationsProfile
John RuzickaExecutive OfficerProfile
Lawrence KentzChief OfficerProfile
Frank GioiaSenior CenterProfile
Maggie TuschinskiExecutive OfficerProfile
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:
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 Earnings Calls module to check upcoming earnings announcements updated hourly across public exchanges.
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
0.349
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.