(FFIN) First Financial Bankshares - Ratings and Ratios

First Financial Bankshares, Inc. (NASDAQ:FFIN) operates as a bank holding company, providing a comprehensive suite of financial services across Texas. Through its subsidiaries, the company delivers traditional commercial banking solutions, including deposit products (checking, savings, and time deposits), commercial and consumer loans, and treasury management services. Its digital banking platform offers internet and mobile banking, remote deposit capture, and payroll card services. Additionally, the company specializes in wealth management through its trust division, managing estates, oil and gas interests, agricultural properties, and various trust accounts. Its loan portfolio spans commercial and industrial, municipal, agricultural, construction, residential, and consumer sectors. Founded in 1890 and headquartered in Abilene, Texas, First Financial Bankshares has established itself as a stable regional banking institution with a strong presence in its operating markets.

Technically, FFIN is trading near its 20-day moving average of 33.20, with a last price of 33.37. The stocks 50-day SMA is 35.10, and its 200-day SMA is 36.50, indicating a recent downtrend. The ATR of 1.23 reflects moderate volatility. From a fundamental perspective, the company has a market cap of $4.643 billion, with a trailing P/E of 20.95 and a forward P/E of 24.57. The P/B ratio of 2.91 and P/S of 8.39 suggest a premium valuation, supported by an ROE of 13.91%.