Will First Financial Bankshares stock go up?

According to Danelfin AI, First Financial Bankshares has today an AI Score of 4/10 (Hold rating), because its probability of beating the market in 3 months (49.78%) is -1.04% vs. the average probability (50.82%) of all US-listed stocks.

What is the target price for First Financial Bankshares stock?

The First Financial Bankshares target price is $35.03 (1Y), according to the average price target offered by analysts.

Is it a good time to buy, sell, or hold First Financial Bankshares stock right now?

First Financial Bankshares has today a Hold rating (AI Score 4/10), according to Danelfin AI. Its probability of beating the market in 3 months (49.78%) is -1.04% vs. the average probability (50.82%) of all US-listed stocks, based on our AI-powered analysis. You can find more details on whether First Financial Bankshares stock is a good buy .

Is First Financial Bankshares undervalued right now?

Based on analysts, the average price target downside for First Financial Bankshares is -1.25% (1Y). According to Danelfin AI, First Financial Bankshares has today an AI Score of 4/10 (Hold Rating).

What was the price range of First Financial Bankshares stock over the past 12 months?

The First Financial Bankshares stock price range over the past 12 months has been $28.59 - $37.98.

What is going on with First Financial Bankshares stock in the last 3 months?

The First Financial Bankshares stock performance in the last quarter has been +20.44%.

Does First Financial Bankshares offer dividend payments?

Yes, First Financial Bankshares stock dividend yield is 2.23%.

What is the current market capitalization of First Financial Bankshares?

First Financial Bankshares's market cap is $5.08B, as of 2026-07-02 08:00.

When is the next FFIN earnings report date?

FFIN will publish its next earnings report on 2026-04-16.

First Financial Bankshares Inc (FFIN) AI Stock Analysis

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FFIN AI-Powered Stock Analysis

AI Score Explanation

AI Score

Hold

Fundamental
Technical
Sentiment
Low Risk

According to Danelfin’s proprietary AI model, First Financial Bankshares Inc today receives an AI Score of 4/10, which translates to a Hold rating. The stock has a 50% probability of outperforming the market in the next 3 months, which is 1% lower than the average probability of any stock (51%). The top positive contributors include the Chart Pattern (504d) (impact +1.97%) and the Industry (GICS) being Banks (impact +0.99%), both boosting the probability. On the detractor side, the Chart Pattern (120d) (impact -1.51%) and the Fear & Greed Index at 31 (impact -0.74%) weigh down the outlook. Notable data points include Tangible Shareholders' Equity in the top 20% (impact +0.45%), indicating strong capital backing, while Distance from KAMA (20d) is also in the top 20% but detracts (impact -0.63%), suggesting the stock may be overextended. Short Float (%) in the top 30% (impact -0.52%) signals elevated bearish sentiment. Overall, the mixed signals—positive long-term chart pattern and industry tailwinds offset by short-term technical weakness and fear—result in a balanced HOLD rating, with the stock's probability slightly below the market average.

AI Score Explanation

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Volatility+0.76%
How much the stock price tends to fluctuate
Growth+0.16%
Expected pace of revenue and earnings expansion

Momentum-1.06%
Direction and strength of recent price movements
Profitability-0.31%
Profitability and operating efficiency metrics
Sentiment-0.30%
How analysts and the market view the stock
Valuation-0.29%
How the stock is priced relative to its fundamentals

FFIN probability advantage of beating the market (3M):

-1.04%

AI Score

Hold

First Financial Bankshares (FFIN) has an AI Score of 4/10 (Hold) because, according to an overall analysis, it has a probability advantage of -1.04% of beating the market (S&P500) in the next 3 months. This advantage is calculated as the difference between the average probability of any US-listed stock (50.82%) and the probability of FFIN (49.78%) of outperforming the market in the next 3 months, as determined by Danelfin AI’s comprehensive analysis.

Average probability of any US-listed stock of beating the market (3M)50.82%
FFIN probability advantage of beating the market (3M)-1.04%
FFIN probability of beating the market (3M)49.78%

FFIN probability advantage of beating the market (3M): -1.04%

The AI-powered overall analysis of First Financial Bankshares (FFIN) is based on the 24 fundamental, technical, and sentiment features that had the greatest impact on stock performance during the last 12 months (alpha signals). These alpha signals explain the probability advantage of FFIN:

Type	Alpha Signal	Current Value	Value Decile Position	Probability Advantage Impact (3M)
Technical	Chart Pattern (504d)	figure_76	N/A	+1.97%
Technical	Chart Pattern (120d)	figure_137	N/A	-1.51%
Sentiment	Industry (GICS)	Banks	N/A	+0.99%
Sentiment	Fear & Greed Index (CNN)	31	N/A	-0.74%
Technical	Distance from KAMA (20d)	0.07%		-0.63%
Sentiment	Short Float (%)	6.14%		-0.52%
Fundamental	Fundamentals Impact (Long Tail)	-	N/A	-0.48%
Fundamental	Net Property, Plant & Equipment (Net PP&E)	150.99		-0.46%
Fundamental	Tangible Shareholders' Equity	1.63K		+0.45%
Sentiment	Analyst Lowest Price Upside	0.01%		-0.40%
Technical	Upgrade to unlock			+0.39%
Sentiment	Upgrade to unlock			-0.38%
Sentiment	Upgrade to unlock			+0.37%
Technical	Upgrade to unlock			-0.33%
Technical	Upgrade to unlock			+0.32%

Rest of Alpha Signals: +0.49%

FFIN probability advantage of beating the market (3M)Total:-1.04%
FFIN AI Score

Significant changes Vs previous day

FFIN Trading Parameters

These suggested trading parameters for a 3-month horizon help improve risk management and decision-making.

Entry:$35.47
Horizon: 3 months
Stop Loss:$XXXXXPro (XXXXXPro) or AI Score < 4/10
Take Profit:$XXXXXPro (XXXXX
Pro
) or AI Score < 4/10

FFIN Proven Hold Signal & Price Forecast

This is the price chart for FFIN from January 2, 2026 until today. The chart indicates, in yellow, the 75 days when the stock received a Hold rating (hold signals, AI Score 4 to 6).

Forecast: In the section below, the central dotted line represents the most expected path, while the shaded area indicates the anticipated price range. This is based on previous Hold signals with a 90% confidence level.

Full Track Record

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Closing price (USD)
Hold signals

Forecast:

1 Month
3 Months
6 Months
1 Year

FFIN Average Past Performance & Win Rate

Three months after its 1118 Hold signals since July 2026, FFIN had an average performance of xxxxxx and a xxxxxx Win rate (positive performance).

1118 Past FFIN Hold Signals	1 Month Later	3 Months Later	6 Months Later	1 Year Later
Average Performance				+5.26%
Average Alpha				-6.29%
Win Rate (% Positive Perf.)				55.33%
% Positive Alpha				42.67%

FFIN Frequently Asked Questions

Will First Financial Bankshares stock go up?
According to Danelfin AI, First Financial Bankshares has today an AI Score of 4/10 (Hold rating), because its probability of beating the market in 3 months (49.78%) is -1.04% vs. the average probability (50.82%) of all US-listed stocks.
What is the target price for First Financial Bankshares stock?
Is it a good time to buy, sell, or hold First Financial Bankshares stock right now?
Is First Financial Bankshares undervalued right now?
What was the price range of First Financial Bankshares stock over the past 12 months?
What is going on with First Financial Bankshares stock in the last 3 months?
Does First Financial Bankshares offer dividend payments?
What is the current market capitalization of First Financial Bankshares?
When is the next FFIN earnings report date?

First Financial Bankshares Inc Company Profile

First Financial Bankshares, Inc. is a Texas-based financial institution that delivers an array of commercial banking products and services via its subsidiary outlets. The bank provides numerous account options such as checking, savings, and timed deposits. Accessibility options including ATM services, drive-in banking, and night-deposit facilities ensure convenience for customers while safe deposit spaces provide secure storage solutions. It offers a spectrum of digital banking tools encompassing remote deposit capture, internet banking, mobile services, payroll cards, along with traditional fund transfers.

The company is not confined to mere customary commercial banking activities; it also extends security brokerage provisions and runs trust and wealth management departments. These offer comprehensive wealth governance services which span from estate administration to oil and gas management. The range also covers diverse trust arrangements: testamentary trusts and both revocable & irrevocable trusts alongside agency accounts services.

First Financial Bankshares' lending portfolio is broad-based, offering loans tailored to meet various needs like commercial & industrial ventures, agriculture-based businesses, construction projects along with consumer-oriented auto & non-auto loans. Adding to the versatility are the non-owner occupied and owner-occupied commercial real estate loans on offer.

The bank further differentiates its service bundle by delivering specialized advisory assistance in asset management strategies field as well as procurement planning guidance. Its expertise also touches upon areas like advertising campaigns planning, public relations consultancy and insight into technology applications for businesses.

Founded in 1890 with a rich legacy of customer-centric banking experience spanning over a century now operates out of Abilene in Texas where headquarters are located.

Sector:Financials
Country:United States
Industry:Banks
Address:400 Pine Street, P.O. Box 701, Abilene
Employees:1,500
Website:ffin.com

Pros

High customer switching costs for core banking services

Diversified loan and deposit base across local markets

Established branch network for customer acquisition and service

Regulatory hurdles limiting new banking entrants

Net interest margin expansion in rising rate cycles

Cons

Net interest margin compression in falling rate cycles

Pros

Cons

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FFIN Stock AI Analysis