Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 15.02 | 15.26 | 17.30 | 14.72 | 14.64 | 23.37 | 19.14 | 20.88 | 20.96 | 23.72 | 19.95 | 22.17 | 23.67 | 17.94 | 19.78 | 21.55 | 20.98 | 25.51 | 23.38 | 28.28 | 32.59 |
| — | -34.7% | -9.6% | -29.5% | -30.1% | -1.5% | -4.1% | -5.8% | -11.5% | +32.2% | +0.8% | +2.9% | +12.9% | -29.7% | -15.4% | -23.8% | -35.6% | -9.0% | -25.8% | -3.2% | +47.8% | |
| P/S Ratio | 6.42 | 6.55 | 7.19 | 6.34 | 6.50 | 7.66 | 8.18 | 8.86 | 8.98 | 9.74 | 8.06 | 9.29 | 9.33 | 7.57 | 8.33 | 9.44 | 9.52 | 11.44 | 10.60 | 12.44 | 14.42 |
| — | -14.5% | -12.0% | -28.5% | -27.6% | -21.4% | +1.5% | -4.6% | -3.7% | +28.7% | -3.2% | -1.6% | -2.0% | -33.8% | -21.5% | -24.1% | -34.0% | -9.4% | -26.2% | -10.2% | +37.8% | |
| P/B Ratio | 2.28 | 2.49 | 2.49 | 2.18 | 2.24 | 2.64 | 2.95 | 3.06 | 3.21 | 3.19 | 2.78 | 3.15 | 2.89 | 2.90 | 2.98 | 3.32 | 3.89 | 5.29 | 4.23 | 4.25 | 4.14 |
| — | -5.6% | -15.6% | -29.0% | -30.4% | -17.3% | +6.0% | -2.6% | +11.2% | +10.0% | -6.7% | -5.3% | -25.7% | -45.1% | -29.6% | -21.7% | -6.1% | +39.3% | +3.5% | +5.8% | +34.7% | |
| P/FCF | 13.13 | 13.21 | 16.53 | 10.84 | 14.71 | 15.74 | 21.82 | 17.23 | 16.19 | 17.06 | 16.55 | 16.36 | 19.74 | 13.09 | 18.71 | 12.74 | 18.72 | 16.75 | 20.20 | 18.93 | 22.09 |
| — | -16.1% | -24.2% | -37.1% | -9.2% | -7.7% | +31.8% | +5.4% | -18.0% | +30.3% | -11.5% | +28.4% | +5.4% | -21.9% | -7.4% | -32.7% | -15.2% | +17.0% | -50.3% | +5.9% | +23.0% | |
| EV / EBITDA | 9.09 | 11.41 | 13.08 | 9.84 | 9.01 | 15.89 | 13.26 | 13.72 | 14.45 | 17.01 | 15.03 | 16.30 | 17.70 | 15.61 | 16.66 | 17.64 | 17.71 | 21.44 | 19.60 | 23.31 | 26.79 |
| — | -28.2% | -1.4% | -28.3% | -37.6% | -6.6% | -11.8% | -15.8% | -18.4% | +9.0% | -9.7% | -7.6% | -0.0% | -27.2% | -15.0% | -24.3% | -33.9% | -5.0% | -17.8% | +7.9% | +62.9% | |
| EV / EBIT | 10.66 | 11.41 | 13.61 | 10.24 | 9.01 | 16.87 | 13.74 | 14.36 | 15.12 | 17.82 | 15.80 | 17.11 | 18.74 | 16.39 | 17.51 | 18.48 | 18.50 | 22.38 | 20.46 | 24.44 | 28.14 |
| — | -32.4% | -1.0% | -28.7% | -40.4% | -5.3% | -13.0% | -16.0% | -19.3% | +8.7% | -9.8% | -7.5% | +1.3% | -26.8% | -14.5% | -24.4% | -34.2% | -5.3% | -18.1% | +7.9% | +63.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 95.0% | 98.8% | 97.6% | 98.6% | 100.0% | 84.5% | 98.0% | 97.6% | 99.3% | 95.5% | 95.5% | 99.4% | 100.0% | 98.1% | 95.4% | 97.7% | 96.8% | 97.5% | 96.0% | 96.2% | 98.4% |
| — | +17.0% | -0.4% | +1.1% | +0.7% | -11.5% | +2.6% | -1.8% | -0.7% | -2.6% | +0.1% | +1.7% | +3.3% | +0.6% | -0.5% | +1.5% | -1.5% | -2.5% | -5.0% | -5.3% | -7.7% | |
| Operating Margin | 49.6% | 52.3% | 50.6% | 52.6% | 54.4% | 40.1% | 52.2% | 51.7% | 52.9% | 49.3% | 48.6% | 51.4% | 48.3% | 50.9% | 51.2% | 53.2% | 54.7% | 54.6% | 54.6% | 52.2% | 52.3% |
| — | +30.4% | -3.0% | +1.8% | +2.8% | -18.7% | +7.5% | +0.7% | +9.6% | -3.1% | -5.1% | -3.4% | -11.8% | -6.8% | -6.3% | +1.9% | +4.7% | +0.8% | -1.0% | -7.4% | -8.8% | |
| Net Margin | 40.6% | 42.7% | 41.6% | 42.9% | 44.5% | 33.2% | 42.6% | 42.2% | 43.4% | 40.7% | 40.0% | 42.3% | 39.6% | 41.7% | 41.6% | 43.5% | 45.4% | 45.4% | 45.6% | 44.0% | 43.8% |
| — | +28.6% | -2.2% | +1.6% | +2.6% | -18.4% | +6.3% | -0.2% | +9.5% | -2.6% | -3.7% | -2.8% | -12.7% | -8.0% | -8.9% | -1.2% | +3.5% | +0.3% | -1.0% | -6.6% | -7.7% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 14.4% | 3.9% | 3.6% | 3.7% | 3.9% | 2.9% | 3.9% | 3.7% | 3.8% | 3.5% | 3.5% | 3.6% | 3.4% | 3.8% | 3.7% | 4.0% | 4.9% | 4.8% | 4.3% | 3.4% | 3.2% |
| — | +32.4% | -6.5% | -0.7% | +2.6% | -15.7% | +11.9% | +4.5% | +13.6% | -8.5% | -6.1% | -10.4% | -31.4% | -21.2% | -13.5% | +15.6% | +54.4% | +41.3% | +28.9% | +1.2% | -10.7% | |
| ROA | 1.7% | 0.5% | 0.5% | 0.5% | 0.5% | 0.4% | 0.5% | 0.4% | 0.5% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.5% | 0.5% | 0.4% | 0.4% |
| — | +36.3% | +0.8% | +7.0% | +7.1% | -13.5% | +16.7% | +6.8% | +27.3% | +6.8% | +1.1% | +0.4% | -21.0% | -14.0% | -13.5% | -4.5% | +4.2% | -5.0% | -1.3% | -14.3% | -20.8% | |
| ROIC | 12.4% | 3.4% | 3.2% | 3.3% | 3.5% | 2.6% | 3.4% | 3.2% | 3.2% | 2.9% | 2.7% | 2.6% | 2.2% | 2.3% | 2.4% | 2.5% | 2.8% | 2.7% | 2.5% | 2.1% | 2.1% |
| — | +34.7% | -6.9% | +4.9% | +8.9% | -13.0% | +26.1% | +21.1% | +48.9% | +27.9% | +14.8% | +6.0% | -22.4% | -14.2% | -5.1% | +15.8% | +35.2% | +17.6% | +10.8% | -9.9% | -17.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.01 | 0.04 | 0.04 | 0.05 | 0.01 | 0.04 | 0.04 | 0.05 | 0.12 | 0.05 | 0.11 | 0.22 | 0.27 | 0.61 | 0.43 | 0.46 | 0.51 | 0.68 | 0.58 | 0.51 | 0.38 |
| — | -10.7% | -6.4% | -6.7% | -90.8% | -21.1% | -62.3% | -77.8% | -54.5% | -91.7% | -75.1% | -51.4% | -46.9% | -11.4% | -25.7% | -9.5% | +33.1% | +82.8% | +80.9% | +54.7% | +48.9% | |
| Debt / EBITDA | 0.07 | 0.71 | 0.83 | 0.99 | 0.24 | 1.08 | 0.83 | 1.06 | 2.48 | 1.18 | 2.43 | 4.91 | 6.81 | 11.85 | 8.93 | 9.40 | 8.70 | 10.38 | 10.16 | 10.91 | 9.69 |
| — | -34.1% | +0.1% | -7.1% | -90.2% | -8.5% | -65.9% | -78.3% | -63.6% | -90.0% | -72.8% | -47.8% | -21.6% | +14.1% | -12.1% | -13.8% | -10.2% | +18.3% | +30.6% | +41.5% | +66.4% | |
| Current Ratio | 0.68 | 0.45 | 0.02 | 0.07 | 0.68 | 0.28 | 0.27 | 0.27 | 0.09 | 0.44 | 0.43 | 0.45 | 0.46 | 0.44 | 0.47 | 0.50 | 0.50 | 0.51 | 0.56 | 0.60 | 0.63 |
| — | +61.6% | -92.0% | -74.6% | +683.3% | -37.3% | -36.7% | -40.0% | -81.1% | -0.2% | -9.0% | -9.1% | -8.4% | -14.3% | -16.5% | -17.8% | -21.1% | -17.6% | -7.8% | -2.7% | +12.7% | |
| Quick Ratio | 0.68 | 0.45 | 0.02 | 0.07 | 0.68 | 0.28 | 0.27 | 0.27 | 0.09 | 0.44 | 0.43 | 0.45 | 0.46 | 0.44 | 0.47 | 0.50 | 0.50 | 0.51 | 0.56 | 0.60 | 0.63 |
| — | +61.6% | -92.0% | -74.6% | +683.3% | -37.3% | -36.7% | -40.0% | -81.1% | -0.2% | -9.0% | -9.1% | -8.4% | -14.3% | -16.5% | -17.8% | -21.1% | -17.6% | -7.8% | -2.7% | +12.7% | |
| Interest Coverage | 1.54 | 1.80 | 1.78 | 1.82 | 1.74 | 1.20 | 1.67 | 1.56 | 1.53 | 1.27 | 1.26 | 1.32 | 1.25 | 1.47 | 1.89 | 2.55 | 4.13 | 7.46 | 22.64 | 42.24 | 55.58 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying FFIN stock.
First Financial Bankshares, Inc.'s current P/E is 15.0x. The average P/E over the last 4 quarters is 15.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
First Financial Bankshares, Inc.'s current operating margin is 49.6%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking First Financial Bankshares, Inc.'s business trajectory between earnings reports.