FFIN
First Financial Bankshares·NASDAQ
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3.06 / 10
Netural
FFIN's fundamental score is 3.1/10, indicating weak financial health. Key concerns include a high PB-ROE difference of 2.4617 (group 4) and near-maximal Net profit / EBIT and Net profit attributable to shareholders ratios at 100%, both in group 1-2. Strengths are a solid Gross profit margin of 36.7% (group 1) and strong ROE metrics (10.49%, group 4). Overall, the fundamental picture is negative, supporting a defensive stance.
Analysis Checks(5/10)
Revenue-MV
Value0.21
Score1/3
Weight10.15%
1M Return3.72%
Value0.21
Score1/3
Weight10.15%
1M Return3.72%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight7.35%
1M Return3.07%
Value100.00
Score1/3
Weight7.35%
1M Return3.07%
PB-ROE
Value2.46
Score1/3
Weight11.36%
1M Return4.74%
Value2.46
Score1/3
Weight11.36%
1M Return4.74%
ROE (diluted) (%)
Value9.85
Score3/3
Weight11.72%
1M Return4.63%
Value9.85
Score3/3
Weight11.72%
1M Return4.63%
ROE (%)
Value10.49
Score3/3
Weight11.95%
1M Return4.73%
Value10.49
Score3/3
Weight11.95%
1M Return4.73%
Annualized return on equity (%)
Value13.99
Score3/3
Weight11.95%
1M Return4.73%
Value13.99
Score3/3
Weight11.95%
1M Return4.73%
Gross profit margin (%)
Value36.70
Score3/3
Weight8.37%
1M Return3.46%
Value36.70
Score3/3
Weight8.37%
1M Return3.46%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight8.35%
1M Return3.44%
Value100.00
Score3/3
Weight8.35%
1M Return3.44%
Asset-MV
Value-0.51
Score0/3
Weight9.79%
1M Return3.95%
Value-0.51
Score0/3
Weight9.79%
1M Return3.95%
Cash-MV
Value0.13
Score1/3
Weight9.02%
1M Return3.31%
Value0.13
Score1/3
Weight9.02%
1M Return3.31%
Revenue-MV
Value0.21
Score1/3
Weight10.15%
1M Return3.72%
Value0.21
Score1/3
Weight10.15%
1M Return3.72%
Annualized return on equity (%)
Value13.99
Score3/3
Weight11.95%
1M Return4.73%
Value13.99
Score3/3
Weight11.95%
1M Return4.73%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight7.35%
1M Return3.07%
Value100.00
Score1/3
Weight7.35%
1M Return3.07%
Gross profit margin (%)
Value36.70
Score3/3
Weight8.37%
1M Return3.46%
Value36.70
Score3/3
Weight8.37%
1M Return3.46%
PB-ROE
Value2.46
Score1/3
Weight11.36%
1M Return4.74%
Value2.46
Score1/3
Weight11.36%
1M Return4.74%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight8.35%
1M Return3.44%
Value100.00
Score3/3
Weight8.35%
1M Return3.44%
ROE (diluted) (%)
Value9.85
Score3/3
Weight11.72%
1M Return4.63%
Value9.85
Score3/3
Weight11.72%
1M Return4.63%
Asset-MV
Value-0.51
Score0/3
Weight9.79%
1M Return3.95%
Value-0.51
Score0/3
Weight9.79%
1M Return3.95%
ROE (%)
Value10.49
Score3/3
Weight11.95%
1M Return4.73%
Value10.49
Score3/3
Weight11.95%
1M Return4.73%
Cash-MV
Value0.13
Score1/3
Weight9.02%
1M Return3.31%
Value0.13
Score1/3
Weight9.02%
1M Return3.31%
Is FFIN undervalued or overvalued?
- FFIN scores 3.06/10 on fundamentals and holds a Fair valuation at present. Backed by its 10.49% ROE, 39.51% net margin, 20.53 P/E ratio, 2.72 P/B ratio, and 16.55% earnings growth, these metrics solidify its Netural investment rating.
