First Financial Bankshares (FFIN) Fundamental Analysis: Revenue, Earnings & Valuation

2.61 / 10

Underperform

Fundamental rating is Underperform with a 2.6/10 score. Quality is low; PB‑ROE, Profit‑MV and Asset‑MV are bearish, while Net‑income/Revenue, Cash‑UP and gross margin show modest strength. Overall outlook remains constrained.

Analysis Checks(6/10)

Gross profit margin (%)

Value41.83

Score3/3

Weight8.28%

1M Return3.70%

Current liabilities / Total liabilities (%)

Value48.71

Score3/3

Weight8.27%

1M Return3.70%

Profit-MV

Value1.00

Score0/3

Weight8.94%

1M Return4.03%

Net income-Revenue

Value1.12

Score2/3

Weight15.12%

1M Return5.96%

PB-ROE

Value-0.79

Score0/3

Weight9.66%

1M Return4.15%

Non-current liabilities / Total liabilities (%)

Value53.45

Score3/3

Weight8.28%

1M Return3.70%

Total profit / EBIT (%)

Value100.00

Score3/3

Weight8.27%

1M Return3.70%

Cash-UP

Value-0.35

Score3/3

Weight11.46%

1M Return5.00%

Asset-MV

Value-0.55

Score0/3

Weight11.06%

1M Return4.68%

Cash-MV

Value-0.42

Score1/3

Weight10.67%

1M Return4.31%

Is FFIN undervalued or overvalued?

FFIN scores 2.61/10 on fundamentals and holds a Premium valuation at present. Backed by its 14.39% ROE, 40.15% net margin, 16.37 P/E ratio, 2.17 P/B ratio, and 13.46% earnings growth, these metrics solidify its Underperform investment rating.