FIRST FINANCIAL BANKSHARES INC (FFIN)
State Commercial Banks · Financial Services · $4.8B
Intrinsic Value (Consensus)
$38.14
Current Price
$33.39
Margin of Safety
+14.2%
14.2% Below Intrinsic Value
Value: $38
Price: $33
Valuation Model Estimates
Current Price: $33.39
DCF (Discounted Cash Flow)
$51.73
Graham Number
$23.07
Earnings Power Value
$17.18
Relative Value (P/E)
$35.40
Dividend Discount Model
$63.33
Consensus Value
$38.14
Model Assumptions
Discount Rate
10.3%
Growth Rate
13.5%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
60
Profitability
18/25
Strength
17/25
Valuation
15/25
Growth
10/25
Key Financials
- EPS (TTM)
- $1.77
- EPS (Forward)
- $2.01
- Book Value
- $13.37
- P/E Ratio
- 20.0
- Forward P/E
- 17.6
- PEG Ratio
- —
- ROE
- 13.2%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 13.5%
- Dividend Yield
- 0.5%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance