NASDAQ: FFIN

First Financial Bankshares (FFIN) Stock Analysis & Forecast

Sep 28 close

$32.05−0.40 (−1.2%)
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Gekko Brief

AI summary

This week's news for FFIN centers on a renewed and expanded share repurchase plan, with First Financial Bankshares authorizing the buyback of up to 7,200,000 shares of common stock through July 31, 2027, representing approximately 5% of outstanding shares. Alongside this, coverage has highlighted FFIN's equity returns and valuation, with one model suggesting the stock's intrinsic value sits above the current market price, and separate attention on its dividend profile.

FFIN closes at $32.05, down 1.2%, sitting between its 50-day average of $33.92 and 200-day average of $32.54, reflecting a mixed trend. The GekkoIndex reads 65.7, placing the stock in the Accumulation zone. Price stands 8.1% below Gekko Fair Value of $34.87. Over the past year, the stock has returned -5.8%, with a three-month return of -7% and a six-month return of 10.6%.

Earnings are due on 22 October 2026, 23 days away, falling inside a typical 20-trading-day holding window; the last report on 16 July 2026 showed EPS of $0.50 against a $0.50 estimate, with a 0.3% reaction, and the company has beaten estimates in 5 of the last 8 quarters. In the last 90 days, one open-market insider purchase totaling $103,980 was recorded. Seasonality from this point has averaged -4% over the next 20 trading days across 5 years, rising in 1 of those years. Analyst coverage from 4 firms shows a consensus hold rating with a target of $36.29.

Written by AI and checked automatically against the figures on this page. Generated Sep 29, 2026 from the data above.

First Financial Bankshares price vs fair value

$34.87$32.05Sep ’25Mar ’26Sep ’26
Close $32.05200-day averageGekko Fair Value $34.87

First Financial Bankshares quick facts

Market cap
$4.59B
P/E ratio
17.4
Forward P/E
24.6
EPS, TTM
$1.87
Revenue, TTM
$637.2M
Profit margin
42.2%
Dividend yield
2.46%
Beta
0.82
Volume
764,508 avg 769,735
1-year return
−5.8%
Typical daily move
±1.9%
Typical 20-day move
±5.6%
50-day average
$33.92
200-day average
$32.54
Next earnings
Oct 22
Shares outstanding
143.3M
52-week range
$28.12$36.52

First Financial Bankshares swing-trade checklist

First Financial Bankshares scores 3 supportive, 1 mixed and 2 headwinds across the 6 checklist items with data.

Six things swing traders check before a 20-day hold, read from the latest data.

3 supportive1 mixed2 headwinds

  • Trendmixed

    Averages disagree

    Close $32.05 sits between the 50-day ($33.92) and 200-day ($32.54) averages, or the averages disagree.

    See the chart
  • GekkoIndexsupportive

    65.7, Accumulation

    Reading 65.7 is in the Accumulation zone.

    See the GekkoIndex
  • Fair valuesupportive

    8.1% below

    Price is 8.1% below Gekko Fair Value (more than 5% below).

    See fair value
  • Smart moneysupportive

    Leans bullish

    Last 90 days: 1 open-market insider purchase.

    See smart money
  • Earnings riskheadwind

    Reports in 23 days

    Reports on Oct 22, 2026, 23 days away — inside a typical 20-trading-day hold.

    See earnings
  • Seasonalityheadwind

    −4.0% on average

    From this point in the calendar, the next 20 trading days averaged −4% over 5 years, rising in 1 of them.

    See seasonality

A description of current data, not a recommendation. How this page works

First Financial Bankshares stock chart and price history

First Financial Bankshares closed at $32.05 on Sep 28, 2026, −5.8% over the past year, inside a 52-week range of $28.12 to $36.52.

5Y and weekly in Gekko
Close50-day average200-day averageVolume
First Financial Bankshares share price, past year, with 50-day and 200-day moving averages and volume$30$34$36NovDecJan 2026FebMarAprMayJunJulAugSep32.05

Use the left and right arrow keys to read daily values.

Performance Breakdown

1 month
−3.1%
3 months
−7.0%
6 months
+10.6%
1 year
−5.8%
The full FFIN chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open FFIN in Gekko

Follow First Financial Bankshares through every session

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First Financial Bankshares GekkoIndex: the smart money zone

First Financial Bankshares’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 65.7, in the Accumulation zone, down 0.8 points over five sessions.

010065.7Accumulation

Down 0.8 points over five sessions.

Reading for Sep 28, 2026

What followed past readings in each zone

ZoneReadings5 days10 days20 days50 days
Buying35+0.4%+1.6%+4.2%+4.1%
Accumulation (current zone)203+0.2%+0.7%+1.8%+3.6%
Neutral4020.0%−0.1%−0.4%0.0%
Distribution21+1.4%+0.1%−1.9%−3.6%
Selling11+4.2%+4.5%+4.2%+5.5%

Average FFIN share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.3% over 20 days. Past behaviour doesn’t guarantee future results.

Accumulation zone: Institutional interest building. About the five zones →

See every daily GekkoIndex reading plotted over the FFIN price, zone by zone.Track FFIN in Gekko

Is First Financial Bankshares stock overvalued? Gekko Fair Value

First Financial Bankshares trades 8.1% below Gekko Fair Value of $34.87, so the shares are undervalued on Gekko’s estimate.

Gekko’s own estimate of what First Financial Bankshares shares are worth, recalculated every trading day.

$34.87

Gekko Fair Value, Sep 29, 2026

8.1% Undervalued

How Gekko Fair Value works →

Gekko Fair Value on every chart, with the gap to price updating daily.Open FFIN in Gekko

First Financial Bankshares insider and Congress trading

Insiders filed 1 open-market purchase in First Financial Bankshares worth $104K, and no Congress trades were disclosed, in the last 90 days.

Plus buybacks, unusual options and fund positions, each dated to when it became public.

Insider buying last 90 days

$104Kin 1 open-market purchase

FiledInsiderTypeSharesValue
Aug 20Denny Michael B.
director		Purchase3,000$104K

From Form 4 filings, dated to when each was filed.

Congress trades last 90 days

No trades in FFIN were disclosed by members of Congress in the last 90 days.

From congressional disclosures, which report amounts as ranges.

Congress disclosures for FFIN, plotted on the chart in Gekko.Open FFIN in Gekko

Buybacks

First Financial Bankshares has been buying back its own shares.

Bought back, quarter ended Dec 31, 2023
$1K
As a share of market cap
0.00%

From company filings.

First Financial Bankshares earnings: next date and track record

First Financial Bankshares reports on Oct 22, 2026 (23 days away), and beat the EPS estimate in 5 of its last 8 reports.

5 of 8reports beat the EPS estimate
±2.2%average move across the report
4 of 8reports followed by a gain

Share-price move across each report

−0.9%Oct ’24+1.5%Jan ’25−1.6%Apr ’25+2.8%Jul ’25−3.3%Oct ’25−3.1%Jan ’26+4.3%Apr ’26+0.3%Jul ’26
ReportedEPSSurpriseRevenueSurpriseMove
Jul 16, 2026$0.50
est $0.50		0.0%$172.8M
est $173.0M		−0.2%+0.3%
Apr 16, 2026$0.50
est $0.47		+6.4%$166.9M
est $166.3M		+0.3%+4.3%
Jan 22, 2026$0.51
est $0.48		+6.3%$164.7M
est $166.2M		−0.9%−3.1%
Oct 23, 2025$0.36
est $0.43		−15.9%$157.5M
est $162.3M		−2.9%−3.3%
Jul 17, 2025$0.47
est $0.45		+4.4%$156.6M
est $156.4M		+0.1%+2.8%
Apr 17, 2025$0.43
est $0.43		+0.6%$145.4M
est $149.5M		−2.8%−1.6%
Jan 23, 2025$0.43
est $0.40		+7.5%$143.6M
est $143.8M		−0.1%+1.5%
Oct 17, 2024$0.39
est $0.39		0.0%$136.0M
est $140.4M		−3.1%−0.9%

“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.

First Financial Bankshares stock forecast and analyst price targets

Analysts’ average 12-month price target for First Financial Bankshares is $36.29, +13.2% from the last close, from 4 firms rating the stock in the last 90 days.

$36.29consensus 12-month target, +13.2% from the last close
Low $35High $36
Buy0
Hold4
Sell0

Each firm’s latest rating in the last 90 days: 4 firms.

Latest analyst actions

DateFirmRatingTargetvs price
Sep 11Hovde GroupHold, initiated$36+12.3%
Aug 27Piper SandlerHold, initiated$35+9.2%
Jul 17KBWHold, maintained$35+9.2%
Jul 15Cantor FitzgeraldHold, maintained$35+9.2%
+1.8%average 20-day move after past Accumulation readings
−4.0%average move over the next 20 trading days in the last 5 years
±1.9%typical daily move, from the 14-day average range

Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.

First Financial Bankshares seasonality: the next 20 trading days

Over the next 20 trading days from Sep 29, First Financial Bankshares averaged −4.0% across the last 5 years, rising in 1 of them.

Next 20 trading days, by year

+6.6%2021−12.3%2022−5.8%2023−0.5%2024−7.3%2025

Average move and hit rate

WindowAverageYears higher
Next 5 trading days+0.3%2 of 5
Next 10 trading days+0.1%3 of 5
Next 15 trading days+0.4%3 of 5
Next 20 trading days−4.0%1 of 5
Next 30 trading days+2.2%2 of 5

For scale, FFIN’s typical 20-trading-day move in either direction is about 5.6%.

First Financial Bankshares market cap and key statistics

First Financial Bankshares’s market cap is $4.59B, with a P/E ratio of 17.4 and revenue of $637.2M over the last twelve months.

Valuation

Market cap
$4.59B
P/E ratio
17.4
Forward P/E
24.6
EPS, TTM
$1.87
Gekko Fair Value
$34.87

Trading

Volume
764,508
Avg volume, 20 days
769,735
52-week high
$36.52
52-week low
$28.12
Shares outstanding
143.3M

Financials

Revenue, TTM
$637.2M
Profit margin
42.2%
Return on equity
14.4%
Quarterly earnings growth, YoY
+7.3%

Risk and income

Beta
0.82
Typical daily move
±1.9%
Typical 20-day move
±5.6%
Dividend yield
2.46%

First Financial Bankshares stock news this week

Coverage of First Financial Bankshares this week reads positive: 3 positive, 0 neutral and 0 negative headlines.

News sentiment positive

First Financial Bankshares peers

First Financial Bankshares’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.

StockTodayGekkoIndex zonevs Fair Value
JPMJP Morgan Chase−1.5%Accumulation6.9% below
BACBank of America−1.7%Buying13.8% below
RYRoyal Bank Of Canada−0.3%Accumulation3.6% below
WFCWells Fargo−2.3%Accumulation12.4% below
CCitigroup−1.7%Neutral7.8% below
TDToronto Dominion Bank−0.8%Accumulation0.8% above

A peer links to its own page where one exists.

In the Buying zone today

BACHDPEPNVOSCHWMCD

Reporting earnings this week

CCLKMXAIRUECMUJBL

Popular on Gekko

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First Financial Bankshares stock FAQ

What is First Financial Bankshares’s market cap?

First Financial Bankshares’s market cap is $4.59B at the Sep 28, 2026 close of $32.05, with 143.3M shares outstanding. The shares trade on a P/E ratio of 17.4.

What is the First Financial Bankshares stock forecast?

The consensus analyst 12-month price target for First Financial Bankshares is $36.29, +13.2% from the last close. Of the 4 firms that rated the stock in the last 90 days, 0 rate it a buy, 4 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.

Is First Financial Bankshares stock overvalued or undervalued?

On Gekko’s estimate First Financial Bankshares is undervalued: the Sep 28, 2026 close of $32.05 is 8.1% below Gekko Fair Value of $34.87. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.

When does First Financial Bankshares report earnings next?

First Financial Bankshares is expected to report on Oct 22, 2026 (23 days away). Analysts expect earnings of $0.52 per share on revenue of $178.9M. First Financial Bankshares beat the earnings estimate in 5 of its last 8 reports, moving 2.2% on average across the report.

What is First Financial Bankshares’s 52-week high and low?

First Financial Bankshares’s 52-week high is $36.52 and its 52-week low is $28.12; it closed at $32.05 on Sep 28, 2026, −5.8% over the past year. Over the last five years the shares peaked at $55.00 on Nov 22, 2021.

Is First Financial Bankshares stock a buy right now?

Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 3 of the 6 items with data read as supportive (gekkoindex, fair value and smart money), 1 as mixed (trend) and 2 as headwinds (earnings risk and seasonality). The checklist is a description of current data, not a recommendation.

How this page works

During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →

Built and overseen by Jared Mann

Founder of Gekko.app. Jared has traded stocks and ETFs for more than 20 years and has a financial industry background.

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