First Financial Bankshares (FFIN) Stock: Buy, Sell, or Hold?
$30.26
-0.08 (-0.26%)
âŧ
5d:
-1.37%
30d:
-2.04%
90d:
-14.23%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (77%)
Quality Score
40/100
Position
SLIGHTLY LOW
30-Day Fair Range
$30.15 â $31.31
Position: SLIGHTLY LOW
Forward P/E & Valuation
14.2x
FAIR
vs 15.3x historical avg
Wall Street Target
$34.71
+14.4% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$30.02 / $32.41
Trend: Strong Downtrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
âšī¸ NEUTRAL: FFIN is fairly priced but lacks strong directional signals. At -2.5% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
Get Alerted When FFIN Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$40.13
Based on 4.3% avg growth
INTRINSIC VALUE TODAY
$24.92
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 15.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FFIN is currently trading at $30.26, which is considered slightly low relative to its 30-day fair value range of $30.15 to $31.31. The stock's valuation (Forward PE: 14.2) is in line with its historical norms (15.3). Remarkably, the market is currently pricing in an annual earnings decline of 2.5% over the next few years. This pessimistic expectation contrasts with the company's recent 44.0% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, FFIN is in a strong downtrend. The price is currently testing key support at $30.02. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 51/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $34.71 (+14.4%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, FFIN is in a strong downtrend. The price is currently testing key support at $30.02. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 51/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $34.71 (+14.4%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$30.15 -
$31.31
Company Quality Score
40/100
(SELL)
Volume Confirmation
HIGH
Confidence Score
77.1%
Trading Range & Key Levels
30-Day Trading Range
$30.15 -
$31.31
Current vs Trading Range
SLIGHTLY LOW
Support Level
$30.02
Resistance Level
$32.41
Current Trend
Strong Downtrend
Technical data as of
Nov 12, 2026
Quantitative Signal Breakdown
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (51/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($34.71)
- WARNING: Composite score 40/100 in the bottom quintile â this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
14.24
Wall Street Target
$34.71
(+14.4%)
Revenue Growth (YoY)
25.8%
Earnings Growth (YoY)
44.0%
Profit Margin
43.3%
Valuation Discount vs History
-2.5% cheaper
PE vs Historical
14.2 vs 15.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-2.5%
(market-implied from PE analysis)
1-Year Target
$29.58
(-3%)
2-Year Target
$28.84
(-5%)
3-Year Target
$28.12
(-7%)
3-Yr Target (if PE normalizes)
(PE: 14â15)
$30.21
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 4.5%)
$48.24
(+59%)
Base:
(SPY PE: 14.2, Growth: 4.5%)
$34.60
(+14%)
Bear:
(PE: 12.1, Growth: 4.5%)
$29.41
(-3%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (15x PE), but valuation improves significantly next year (14x PE) as earnings recover.
Trailing PE: 15.14 | Current EPS (TTM): $2.02
Bull Case
$35.48
(+17%)
Analyst growth 5.4%, PE expands to 16.7
Base Case
$32.26
(+6%)
Market implied 5.4%, PE stable at 15.1
Bear Case
$20.80
(-31%)
Severe decline -20.0%, PE contracts to 12.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
đĄ
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 14.2 to 15.3
Stabilization Target:
$32.59
(+7.4%)
PE Expansion Potential:
+7.4%
Share FFIN Analysis
Share this live FFIN analysis (with rich preview card) to Reddit, StockTwits, X, or embed the chart on your blog.
bloggers & journalists: you are free to use our charts with attribution.
Last updated: November 12, 2026 3:58 PM ET
Data refreshes hourly during market hours. Next update: 4:58 PM
Data refreshes hourly during market hours. Next update: 4:58 PM
đĨ Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is FFIN showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
USB
U.S. Bancorp |
BUY
24 analysts |
$69 | 55 HOLD |
|
CFG
Citizens Financial GroupâĻ |
STRONG BUY
20 analysts |
$76 | 46 HOLD |
|
FLG
Flagstar Bank, National âĻ |
BUY
18 analysts |
$13 | 61 BUY |
|
BAP
Credicorp Ltd |
STRONG BUY
14 analysts |
$427 | 62 BUY |
|
ONB
Old National Bancorp |
STRONG BUY
15 analysts |
$29 | 52 HOLD |
Explore More Analysis & Live Quant Tools
Part A: Deep-Dive FFIN Research Pages
