FFIN Stock Analysis: Buy, Sell, or Hold?
FFIN - First Financial Bankshares Inc
$34.72
0.16 (0.46%)
▲
5d:
-0.09%
30d:
+4.55%
90d:
+11.42%
BUY
MODERATE Confidence
Analysis Updated: Jul 13, 2026 12:00 AM ET
Earnings: Jul 16, 2026
1d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: FFIN shows positive signals but monitor for confirmation. Market pricing in 1.6% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: FFIN shows positive signals but monitor for confirmation. Market pricing in 1.6% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$41.89
Based on 4.8% avg growth
INTRINSIC VALUE TODAY
$26.01
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 15.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FFIN is currently trading at $34.72, which is considered slightly high relative to its 30-day fair value range of $33.04 to $34.80. The stock's valuation (Forward PE: 16.1) is in line with its historical norms (15.4). At these levels, the market is pricing in 1.6% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, FFIN is showing sideways momentum. The price is approaching resistance at $33.71. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, FFIN is showing sideways momentum. The price is approaching resistance at $33.71. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$33.04 -
$34.80
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
61.4%
All Signals
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($36.20)
- NEUTRAL: Market pricing in 1.6% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$33.04 -
$34.80
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$31.70
Resistance Level
$33.71
Current Trend
Sideways
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
16.13
Wall Street Target
$36.20
(+4.3%)
Revenue Growth (YoY)
13.1%
Earnings Growth (YoY)
16.4%
Profit Margin
42.4%
Valuation Premium vs History
+1.6% premium
PE vs Historical
16.1 vs 15.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.6%
(market-implied from PE analysis)
1-Year Target
$35.28
(+2%)
2-Year Target
$35.84
(+3%)
3-Year Target
$36.41
(+5%)
3-Yr Target (if PE normalizes)
(PE: 16→15)
PE COMPRESSION
$34.76
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 5.6%)
$55.18
(+59%)
Base:
(SPY PE: 16.1, Growth: 5.6%)
$40.88
(+18%)
Bear:
(PE: 13.7, Growth: 5.6%)
$34.75
(+0%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (19x PE), but valuation improves significantly next year (16x PE) as earnings recover.
Trailing PE: 18.78 | Current EPS (TTM): $1.84
Bull Case
$44.46
(+28%)
Analyst growth 17.0%, PE expands to 20.7
Base Case
$40.42
(+16%)
Market implied 17.0%, PE stable at 18.8
Bear Case
$23.50
(-32%)
Severe decline -20.0%, PE contracts to 16.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 14, 2026 3:06 AM ET
Data refreshes hourly during market hours. Next update: 4:06 AM
Data refreshes hourly during market hours. Next update: 4:06 AM
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Technical Signals Check
Is FFIN showing a specific setup today?
Insider Activity (6 Months)
9
Buys
0
Sells
+
Net
INSIDERS BUYING
Recent Transactions
Murray Hamilton Edwards
BUY
1000 shares
2026-03-13
Geoff Haney
BUY
1500 shares
2026-03-12
Johnny Trotter
BUY
1000 shares
2026-03-12
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