FFIN · NASDAQ · STOCK
First Financial Bankshares (FFIN) Stock Analysis
$33.43
52W $28.12 – $37.83
59/100
$4.78B
17.7
0.83
Is FFIN Bullish or Bearish?
Mixed.
Innellis AI committee rates First Financial Bankshares (FFIN) Insufficient Data with a composite score of 59/100
, based on 3 analysts with 67% agreement.
Last updated September 05, 2026.
What Would Change This View
No threshold can be published for FFIN. The committee has not produced a scored recommendation, so there is no line for it to cross. Innellis does not infer one.
Executive Summary
The committee sees neither a compelling opportunity nor a clear risk at this stage. Conditions remain neutral — patience is warranted.
Bull & Bear Case
Bull Case
- Weekly trend (sideways) confirms the daily trend -- multi-timeframe agreement — Technical
Bear Case
- MACD histogram negative -- bearish momentum — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of September 05, 2026
Overall Committee Score
59/100
Agreement
67%
Analysts
3
Conviction
Low Data
Sector Rank
Top 66%
of 211 Financial Services peers
Technical Analyst
neutral
54
/ 100 · High confidence
Mixed or range-bound price action
+ Weekly trend (sideways) confirms the daily trend -- multi-timeframe agreement
− MACD histogram negative -- bearish momentum
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
neutral
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 3059.07)
Investment Thesis Evolution
Committee score weakened from 63.8 to 58.8.
- Recommendation changed from Buy to Insufficient Data.
- Conviction changed from moderate to low_data.
- Bullish support removed: 2 signal(s) disappeared.
- Analyst(s) abstained: Growth Analyst, Risk Analyst, Value Analyst.
Analyst-level changes:
- Growth Analyst abstained (was bullish at 65).
- Risk Analyst abstained (was bullish at 80).
- Value Analyst abstained (was bullish at 62).
Comparing 2026-09-04 to 2026-09-05 (1 day apart).
Technical Analysis
RSI (14)
41.9
Neutral
MACD Histogram
-0.123
Bearish Momentum
Trend Direction
Sideways
Weekly: Sideways
Market Structure
Mixed
Support
$32.53
Resistance
$34.99
Bollinger %B
0.26
Inside Bands
Price vs Moving Averages
EMA 9
$33.42
Above
EMA 21
$33.89
Below
EMA 50
$34.04
Below
EMA 200
$33.26
Above
Fundamental Analysis
Valuation
74
Growth
48
Profitability
71
Financial Health
50
Cash Flow
70
Valuation
P/E Ratio
17.7×
P/B Ratio
2.39×
PEG Ratio
2.05
Dividend Yield
2.37%
52W High
$37.83
52W Low
$28.12
Quality & Growth
ROE
1322.6%
ROA
164.2%
Gross Margin
7309.1%
Operating Margin
3799.6%
Revenue Growth YoY
—
Debt / Equity
0.04
AI Fundamental Assessment
P/E ratio of 17.7 (inexpensive relative to a 15-40x range); Price-to-book of 2.4x; PEG ratio of 2.0 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 13.2%; Return on assets of 1.6%; Net margin of 31.2%; Gross margin of 73.1%; Current ratio of 0.02 (tight short-term liquidity); Debt-to-equity of 0.04; Free cash flow per share is positive (2.25); Most recent quarter missed estimates by 2.4%; EPS growth roughly steady (-2.0% -> +0.0% QoQ); Analyst estimates rising over recent quarters
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