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First Financial Bankshares (FFIN) Ratios
First Financial Bankshares Ratios
FFIN's free cash flow for Q3 2026 was $0.00. For the 2026 fiscal year, FFIN's free cash flow was increased by $0.00 and operating cash flow was $0.00. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.68 | 0.09 | 0.46 | 0.50 | 0.63 |
| Quick Ratio | 0.68 | 0.09 | 0.46 | 0.50 | 0.63 |
| Cash Ratio | 0.08 | 0.06 | 0.05 | 0.03 | 0.05 |
| Solvency Ratio | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
| Operating Cash Flow Ratio | 0.02 | 0.03 | 0.02 | 0.03 | 0.03 |
| Short-Term Operating Cash Flow Coverage | 14.79 | 4.08 | 0.74 | 0.52 | 0.55 |
| Net Current Asset Value | $ -4.37B | $ -11.32B | $ -6.34B | $ -5.90B | $ -4.24B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.00 | 0.01 | 0.03 | 0.05 | 0.05 |
| Debt-to-Equity Ratio | 0.01 | 0.12 | 0.27 | 0.51 | 0.38 |
| Debt-to-Capital Ratio | 0.01 | 0.11 | 0.21 | 0.34 | 0.28 |
| Long-Term Debt-to-Capital Ratio | 0.00 | 0.07 | 0.01 | 0.02 | 0.01 |
| Financial Leverage Ratio | 8.06 | 8.70 | 8.74 | 10.25 | 7.45 |
| Debt Service Coverage Ratio | 1.20 | 0.85 | 0.40 | 0.38 | 0.37 |
| Interest Coverage Ratio | 1.54 | 1.34 | 1.69 | 8.93 | 45.01 |
| Debt to Market Cap | 0.01 | 0.04 | 0.09 | 0.13 | 0.09 |
| Interest Debt Per Share | 1.56 | 2.80 | 3.84 | 4.73 | 4.76 |
| Net Debt to EBITDA | -3.27 | -1.99 | -0.52 | 1.06 | 0.50 |
| Profitability Margins | |||||
| Gross Profit Margin | 71.82% | 70.78% | 75.11% | 91.14% | 99.03% |
| EBIT Margin | 37.49% | 36.71% | 39.10% | 50.95% | 53.79% |
| EBITDA Margin | 39.14% | 38.59% | 41.12% | 53.27% | 56.37% |
| Operating Profit Margin | 37.49% | 36.78% | 39.10% | 50.95% | 53.79% |
| Pretax Profit Margin | 37.49% | 36.78% | 39.10% | 50.95% | 53.79% |
| Net Profit Margin | 30.71% | 30.24% | 31.97% | 42.53% | 45.01% |
| Continuous Operations Profit Margin | 30.71% | 30.24% | 31.97% | 42.53% | 45.01% |
| Net Income Per EBT | 81.90% | 82.22% | 81.78% | 83.48% | 83.67% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.64% | 1.60% | 1.52% | 1.81% | 1.74% |
| Return on Equity (ROE) | 13.23% | 13.91% | 13.27% | 18.52% | 12.94% |
| Return on Capital Employed (ROCE) | 16.15% | 15.07% | 15.36% | 20.85% | 14.42% |
| Return on Invested Capital (ROIC) | 13.08% | 11.89% | 10.11% | 11.91% | 8.97% |
| Return on Tangible Assets | 1.68% | 1.64% | 1.56% | 1.85% | 1.78% |
| Earnings Yield | 5.93% | 4.34% | 4.60% | 4.78% | 3.15% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.10 | 0.00 | 0.00 | 0.00 | 0.00 |
| Payables Turnover | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 5.51 | 4.87 | 4.10 | 3.60 | 3.38 |
| Asset Turnover | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 |
| Working Capital Turnover Ratio | -0.11 | -0.09 | -0.10 | -0.11 | -0.12 |
| Cash Conversion Cycle | -17374.84 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Sales Outstanding | 3559.28 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 20934.12 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 3559.28 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 2.24 | 2.17 | 2.00 | 2.27 | 2.50 |
| Free Cash Flow Per Share | 2.15 | 2.05 | 1.88 | 2.16 | 2.36 |
| Dividend Paid and CapEx Coverage Ratio | 2.68 | 2.59 | 2.43 | 3.03 | 3.59 |
| Capital Expenditure Coverage Ratio | 23.85 | 18.52 | 16.51 | 20.54 | 18.49 |
| Operating Cash Flow Coverage Ratio | 14.79 | 1.57 | 0.70 | 0.50 | 0.53 |
| Operating Cash Flow to Sales Ratio | 0.39 | 0.42 | 0.46 | 0.59 | 0.70 |
| Free Cash Flow Yield | 7.19% | 5.69% | 6.19% | 6.29% | 4.64% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 16.78 | 23.11 | 21.73 | 20.92 | 31.79 |
| Price-to-Sales (P/S) Ratio | 5.18 | 6.97 | 6.95 | 8.90 | 14.31 |
| Price-to-Book (P/B) Ratio | 2.23 | 3.20 | 2.88 | 3.88 | 4.11 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 13.92 | 17.58 | 16.16 | 15.90 | 21.53 |
| Price-to-Operating Cash Flow Ratio | 13.33 | 16.63 | 15.18 | 15.13 | 20.37 |
| Price-to-Earnings Growth (PEG) Ratio | 1.19 | 1.89 | -1.43 | 8.37 | 2.51 |
| Enterprise Value Multiple | 9.96 | 16.06 | 16.38 | 17.77 | 25.88 |
| Enterprise Value | 3.22B | 4.58B | 4.19B | 5.22B | 7.38B |
| EV to EBITDA | 9.96 | 16.06 | 16.38 | 17.77 | 25.88 |
| EV to Sales | 3.90 | 6.20 | 6.73 | 9.46 | 14.59 |
| EV to Free Cash Flow | 10.48 | 15.64 | 15.66 | 16.91 | 21.96 |
| EV to Operating Cash Flow | 10.04 | 14.80 | 14.71 | 16.09 | 20.77 |
| Tangible Book Value Per Share | 11.21 | 9.05 | 8.30 | 6.66 | 10.14 |
| Shareholders’ Equity Per Share | 13.40 | 11.25 | 10.50 | 8.88 | 12.36 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.18 | 0.18 | 0.18 | 0.17 | 0.16 |
| Revenue Per Share | 5.77 | 5.18 | 4.36 | 3.87 | 3.55 |
| Net Income Per Share | 1.77 | 1.56 | 1.39 | 1.64 | 1.60 |
| Tax Burden | 0.82 | 0.82 | 0.82 | 0.83 | 0.84 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.26 | 0.22 | 0.23 | 0.25 | 0.29 |
| Stock-Based Compensation to Revenue | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 |
| Income Quality | 1.26 | 1.39 | 1.43 | 1.38 | 1.56 |
Currency in USD
