FFIN Stock Analysis: Buy, Sell, or Hold?
FFIN - First Financial Bankshares Inc
$35.42
0.28 (0.80%)
▲
5d:
+2.85%
30d:
+1.55%
90d:
+8.78%
HOLD
MODERATE Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Oct 22, 2026
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...
Bottom Line:
📊 HOLD: FFIN is fairly valued with market pricing in 2.0% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: FFIN is fairly valued with market pricing in 2.0% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$42.32
Based on 4.8% avg growth
INTRINSIC VALUE TODAY
$26.28
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 15.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FFIN is currently trading at $35.42, which is considered extended relative to its 30-day fair value range of $34.44 to $35.37. The stock's valuation (Forward PE: 16.4) is in line with its historical norms (15.5). At these levels, the market is pricing in 2.0% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, FFIN is in a strong uptrend. The price is approaching resistance at $35.74. 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. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, FFIN is in a strong uptrend. The price is approaching resistance at $35.74. 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. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$34.44 -
$35.37
Company Quality Score
51/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
47.1%
All Signals
- BEARISH: Price extended above range
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($37.00)
- NEUTRAL: Market pricing in 2.0% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$34.44 -
$35.37
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$33.94
Resistance Level
$35.75
Current Trend
Strong Uptrend
Technical data as of
Aug 3, 2026
Fundamental Context
Forward P/E (Next Year Est.)
16.40
Wall Street Target
$37.00
(+4.5%)
Revenue Growth (YoY)
9.8%
Earnings Growth (YoY)
7.3%
Profit Margin
42.2%
Valuation Premium vs History
+2.0% premium
PE vs Historical
16.4 vs 15.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.0%
(market-implied from PE analysis)
1-Year Target
$36.13
(+2%)
2-Year Target
$36.85
(+4%)
3-Year Target
$37.59
(+6%)
3-Yr Target (if PE normalizes)
(PE: 16→16)
PE COMPRESSION
$35.53
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 5.6%)
$52.69
(+49%)
Base:
(SPY PE: 16.4, Growth: 5.6%)
$41.68
(+18%)
Bear:
(PE: 13.9, Growth: 5.6%)
$35.43
(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: 18.79 | Current EPS (TTM): $1.87
Bull Case
$44.65
(+26%)
Analyst growth 15.5%, PE expands to 20.7
Base Case
$40.59
(+15%)
Market implied 15.5%, PE stable at 18.8
Bear Case
$23.90
(-33%)
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: August 03, 2026 9:37 PM ET
Data refreshes hourly during market hours. Next update: 10:37 PM
Data refreshes hourly during market hours. Next update: 10:37 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is FFIN showing a specific setup today?
Insider Activity (6 Months)
8
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
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
CFG
Citizens Financial Group… |
STRONG BUY
17 analysts |
$81 | 56 HOLD |
|
HBAN
Huntington Bancshares In… |
STRONG BUY
21 analysts |
$20 | 57 HOLD |
|
USB
U.S. Bancorp |
BUY
24 analysts |
$70 | 50 HOLD |
|
WAL
Western Alliance Bancorp… |
STRONG BUY
15 analysts |
$92 | 56 HOLD |
|
WTFC
Wintrust Financial Corpo… |
STRONG BUY
13 analysts |
$180 | 54 HOLD |
