First Financial Bankshares (FFIN) stock

Community banking , market cap $4.4B

Community banking and loans in Texas

Worth $4.4B

$30.56

-0.65%

As of 10:26 AM ET, delayed 15+ min · Live for Pro members

Quality Score

Below Average

In its industry

#135of 168

Banks

Checks firing

3of 14

Trending down

From 52-week high

-16.3%

under its best in a year

FFIN's Quality Score rose 1 point on Mon, Nov 9, to 5. Trading was quieter than usual (2 chart checks started).

See FFIN's 14 chart checksSee it live, free for 24 hours. No account. No card. Then keep going with a free account.

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Why is FFIN down?

Down 44% from its 5-year high in Nov 2021. The S&P 500 rose 61% over the same stretch.

Its industry held up: the 153 other stocks in it rose a median 27% over the same stretch.

Get an alert when FFIN's Quality Score turns up →

Key facts on FFIN

Key facts on FFIN
Long-term trend	−2 below its 200-day since September and down over two years
Latest filing	10-Q, Nov 5 Filed its quarterly report (10-Q) for the quarter to Sep 30, 2026

1 more reason behind FFIN's 5, free with an account →1 more reason behind FFIN's 5, for Pro members.

What moves banks

Rate gap, 10-year minus 2-year+0.32 pt0.00 ptMon Nov 9in a week

The 10-year Treasury yield minus the 2-year. Banks pay deposit rates tied to the short end and lend at rates tied to the long end, so this gap is one measure of their lending spread.

U.S. Treasury, daily yield curve, Mon Nov 9. Change over the week.

Net interest margin, deposits, 10-year Treasury yield, and 5 more, for Pro members.

Tested. Our top-scored stocks returned 2.2x the average stock over the next month. Reconstructed after the fact; recorded live since Sep 9, 2026. How we tested it

FFIN catalysts

Coming up

After its last 4 reports it closed -0.1% on average, higher 1 of 4 times.

3 past catalysts since 2018, with sizes and sources, for Pro members.

How FFIN ranks in Banks

FFIN is #135 of 168 by Quality Score.

How FFIN ranks in Banks
Rank	Stock	Checks	Quality Score
1	AMTBAmerant Bancorp	9/14	16
2	TMPTompkins Financial	6/14	16
3	DCOMDime Commercial Bancshares	7/14	16
	FCFFirst Commonwealth Financial		Open for its score
	FCNCAFirst Citizens BancShares		Open for its score
	FHNFirst Horizon		Open for its score
	FIBKFirst Interstate BancSystem		Open for its score
135	FFINFirst Financial Bankshares	3/14	5

When does FFIN report earnings, and what happens after?

Expected to report Thu Jan 21, after the close (in 72 days).

What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.

What FFIN reported on Oct 16, 2026

The quarter

The figures are not read from the release yet.

“Increases are related to new account growth and increased mineral fee income due to oil and gas prices.”

The filing on EDGAR

Where the sales came from

FFIN's results filing gives no sales by line in a table we read.

The outlook

No outlook figures read from this release.

In the company's words

“Changes are primarily due to increases in net new accounts.”

From its results filing (SEC filing · Oct 16)

2 more sentences, for Pro members.

The numbers

Market value: $4.4B; today

No analyst estimates on Breakaway: every figure here is filed.

The whole report on FFIN: every line of its sales, every outlook beside the one it replaced, and the company's words, for Pro members.

Close after the report, last 3

+4.9%-1.3%-1.7%

Apr 16Jul 17Oct 16

Reported	When	Gap	Reaction	5 days
Oct 16, 2026After close	After close	-0.2%	-1.7%	-1.0%
Jul 17, 2026After close	After close	0.0%	-1.3%	-1.8%
Apr 16, 2026After close	After close	+4.2%	+4.9%	+4.7%

FFIN closed higher after 1 of its last 4 reports.

All 4 reports, and FFIN's Quality Score going into each

FFIN has 3 of 14 chart checks firing

Trend1 of 5 shown

MA FAN 21 EMA W.EMA HH/HL 52W HI

Volume1 of 3 shown

VOL VDU U/D VOL

Tight range1 of 3 shown

ATR SQZ SQUEEZE NR7

Buying1 of 3 shown

OBV+CLOSE HI SPRING

The other 10 checks on FFIN, and all 14 on every stock.Get in free →

FFIN RSI today: 45.5, below its 50-day and 200-day averages

Not scored

RSI 45.5, MACD above signal, below both averages. Not scored.13 readings

The deep dive on FFIN

What it does and how it makes money1 findingFor Pro members1 finding on what FFIN does and how it makes money, for Pro members
Where it stands1 findingIts common equity tier 1 ratio, the capital regulators count first, was 20% on Dec 31, 2025.Filed figures, Dec 31, 2025
Who holds and trades it2 findingsFor Pro members2 findings on who holds and trades FFIN, for Pro members

3 more findings on FFIN, each with its source, for Pro members.

Is FFIN's dividend covered? What its financials say

Its dividends come to 38% of its free cash flow.

FFIN's dividend against its free cash flow
Dividend	$0.88 a share a year Paid 4 times a year
Paid out	About $126M a year $0.88 a share on 143M shares, the count on its cover page as of Nov 5, 2026
Free cash flow	$328M The last four quarters, to Sep 30, 2026
Record	Raised each of the last 2 years Against the payout a year before, each year

FFIN insider trades

3 insiders bought $311K across 7 filings, and one insider sold $524K across 1 filing, in the last 6 months. The newest:

BuyMurray Hamilton Edwards$15KDirectorat $30.51 on Oct 30, filed Nov 3

BuyMurray Hamilton EdwardsDirector$15Kat $30.51 on Oct 30, filed Nov 3

All 8 insider filings on FFIN from the last six months, for Pro members.

All FFIN insider trades

FFIN's officers and directors

Officers and directors with a Form 4 in the last 12 months.

David William BaileyPresident and CEO · no trades on file
F. Scott DueserExecutive Chairman · no trades on file
Lon A. BiebighauserTrust Company President · no trades on file
Michelle S. HickoxEvp/cfo · 1 trade
Brian D. GoodrichEVP - General Counsel · 2 trades
Ronald David Butler IIEvp/cao · 1 trade
J. Kyle McVeyEVP, CFO - Bank · no trades on file
John James Ruzicka Jr.EVP, Chief Banking Ops Officer · no trades on file

16 more officers and directors file at FFIN.

See insider trades by person

Which ETFs hold FFIN?

In ETFs: FFIN is under 0.1% of DGRO, under 0.1% of VIG, and under 0.1% of VYM, the most of the 24 funds Breakaway covers, by their holdings as filed for Jul 31, 2026.

About First Financial Bankshares

First Financial Bankshares Inc is a financial and bank holding company. The company operates one line of business (community banking) located in a single geographic area (Texas). The company conducts a full-service commercial banking business through its subsidiaries. The loan portfolio segments of the company include Commercial and Industrial, Municipal, Agricultural, Construction and Development, Farm, Non-Owner Occupied and Owner Occupied Commercial Real Estate, Residential, Consumer Auto and Consumer Non-Auto.

1,600 employeesAbilene, TXffin.com

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Every line of the score
Price action, the company, and signals, each with its points, on FFIN and every other stock.
CEOs buying their own stock
Every CEO buy, biggest names first. Sort, filter, save the list, and set optional alerts.
Congress trades
A member's trades, newest first, each with its amount. Sort and filter the whole list.
14 chart checks, read for you
The ones firing on the stock, each in plain words, its rule a tap away.
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Each date in the company's words, its cash against the date, and an optional alert before it.
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What would turn FFIN's score around: 6 things
1 more filing explained, a plain line each
Real-⁠time prices, no delay

BreakawayNov 3Murray Hamilton Edwards bought FFIN$15K at $30.51, filed Nov 3

Alerts are optional.

See FFIN's 14 chart checks

See it live, free for 24 hours. No account. No card. Then keep going with a free account.

Straight AnswersStraight Answers

As of Nov 10, 2026: FFIN's Quality Score is 5 (Below Average), #135 of 168 in Banks. Insiders bought $311K and sold $524K in the last 6 months (Form 4).

What does FFIN's Quality Score say?

FFIN scores 5 today, which Breakaway calls Below Average. It is #135 of 168 in Banks by Quality Score, with 3 of 14 chart checks firing. Down 44% from its 5-⁠year high in Nov 2021. The S&P 500 rose 61% over the same stretch. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.

What is FFIN's Quality Score?

FFIN scores 5 today, which Breakaway calls Below Average (0 to 5). That is #135 of 168 in Banks by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind FFIN's 5.

Are insiders buying FFIN?

3 insiders bought $311K across 7 filings, and one insider sold $524K across 1 filing, in the last 6 months. The newest is Murray Hamilton Edwards, Director, who bought $15K on Oct 30. Every filing, with the scored weight, for Pro members.

Are the prices delayed?

Only on the public pages, which run at least 15 minutes behind. Pro members, and anyone on a guest pass, see real-time prices: the scanner refreshes every 15 seconds, and your watchlist every few seconds, pre-market and after hours included.