Start here if you're new
what it is
It runs 79 Texas banking centers and turns deposits into loans, fees, and services.
how it gets paid
Last year First Financial Bank made $702M in revenue. Commercial banking loans and deposits was the main engine at $312M, or 44% of sales.
why it's growing
Revenue grew 11.7% last year. EDGAR shows revenue up 189% vs. prior year and EPS up 250% vs. prior year.
what just happened
Revenue hit $520M, and EPS came in at $1.26.
At a glance
B++ balance sheet — above average — nothing keeping you up at night
90/100 earnings predictability — you can trust these numbers
19.4x trailing p/e — priced about right
2.6% dividend yield — cash in your pocket every quarter
$1.56 fy2024 eps est
xvary composite: 54/100 — below average
What they do
It runs 79 Texas banking centers and turns deposits into loans, fees, and services.
You do not switch banks for fun. FFIN has 79 financial centers across Texas and 1,500 employees. That local reach keeps deposits sticky and loans close to home.
How they make money
$702M
annual revenue · their business grew +11.7% last year
Commercial banking loans and deposits
$312M
+9.0%
Deposit services and net interest income
$154M
+13.0%
Consumer and auto lending
$108M
+4.0%
Asset management
$74M
+8.0%
Technology and other services
$54M
+6.0%
The products that matter
business lending and credit
Commercial Lending
drives the spread business
this is where the $602.99M net interest income stream starts. if loan demand or credit quality weakens in texas, this line feels it first.
core earnings engine
consumer deposits and loans
Retail Banking
79 locations
these 79 texas locations matter because deposits fund the lending book. local deposits are sticky until they aren't — that's the quiet part in every regional bank story.
funding base
fees, service charges, and other income
Non-Interest Income
$99.01M · flat
this $99.01M stream gives you some diversification, but not enough to change the story. the bank still lives and dies by the interest spread.
secondary support
Key numbers
$702M
annual revenue
This is the size of the machine. It is a real bank, not a hobby balance sheet.
$1.56
fy2024 eps
That is the earnings base you are paying for today.
19.4x
trailing p/e
You are paying 19.4 times earnings for 7.5% historical earnings growth.
2.6%
dividend yield
This is the wait fee while you own the stock.
Financial health
B++
strength
- balance sheet grade B++ — above average financial health
- risk rank 4 — safer than 20% of stocks
- price stability 60 / 100
B++ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for FFIN right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Revenue hit $520M, and EPS came in at $1.26.
EDGAR shows revenue up 189% vs. prior year and EPS up 250% vs. prior year. The quarter was strong on both lines.
$520M
revenue
$1.26
eps
n/a
n/a
the number that mattered
Revenue hit $520M in the latest quarter, and that is the cleanest proof the business is still growing fast.
source: EDGAR, latest quarter
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What could go wrong
the #1 risk here is texas concentration — all 79 locations sit in one state, so there is no geographic diversification to bail you out if that market slows.
high
Texas economic concentration
all 79 bank locations are in texas. if commercial activity or real estate weakens locally, you feel it across deposits, loan growth, and credit quality at the same time.
79 of 79 locations are exposed to one state
med
rate-cut pressure on net interest income
the business is still driven by $602.99M in net interest income. if lending yields fall faster than deposit costs, the spread compresses and the 42% profit margin starts doing the same.
puts the core $602.99M earnings engine under pressure
med
leadership transition
new CEO David Bailey took over in february 2026. leadership changes at banks tend to look uneventful until underwriting standards, capital allocation, or growth targets start moving.
watch the first few quarters under the new regime
the risk stack is concentrated, not complicated: one state, one spread-driven earnings engine, and a fresh CEO. if texas stays healthy and margins hold, the story works. if either cracks, you will see it quickly.
source: institutional data · regulatory filings · risk analysis
Pay attention to
earnings
q1 2026 earnings report
scheduled for april 16, 2026. consensus EPS is $0.50, and the market will care more about margin commentary than a penny beat.
estimates
fy2026 EPS revisions
the current full-year number is $1.99. if that starts drifting lower, the stock's quality premium gets harder to defend.
management
new CEO execution
David Bailey took the top job on feb 1, 2026. watch the first calls for any shift in loan appetite, deposit strategy, or capital returns.
capital
buyback follow-through
the company has an active repurchase plan for up to 5M shares through july 2026. that's meaningful for a bank with modest growth and a $4B market cap.
Analyst rankings
earnings predictability
90 / 100
in human-speak: analysts see a bank that usually delivers what it says it will.
balance sheet view
B++
above average balance sheet grade. translation: healthy enough to trust, not strong enough to ignore the risks.
valuation posture
19.4x p/e
you're not buying a cheap bank. you're paying for steadier earnings and hoping the steadiness continues.
source: institutional data
Institutional activity
institutional ownership data for FFIN is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$33
current price
n/a
target midpoint · n/a from current
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