NASDAQ · STOCK
First Financial Bankshares
$35.13
52W $28.12 – $38.12
61/100
$5.03B
18.7
0.83
Is FFIN Bullish or Bearish?
Bullish.
Innellis AI committee rates First Financial Bankshares (FFIN) Buy with a composite score of 61/100
, based on 7 analysts with 57% agreement.
Last updated July 31, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +14.29 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -5.71 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull & Bear Case
Bull Case
- Dividend yield of 2.5% pays you to wait — Value
- Price structure making higher highs and higher lows — Technical
- Trend and market structure agree -- coherent bullish picture — Technical
- Low leverage (debt-to-equity 0.04) -- balance sheet can absorb a shock — Risk
- Market regime is bullish (Bull market -- normal position sizing) — Macro
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 July 31, 2026
Overall Committee Score
61/100
Agreement
57%
Analysts
7
Conviction
Contested
Sector Rank
Top 41%
of 141 Financial Services peers
Value Analyst
bullish
62
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ Dividend yield of 2.5% pays you to wait
Growth Analyst
bullish
65
/ 100 · Low confidence
Strong, accelerating growth with consistent execution
Technical Analyst
neutral
58
/ 100 · High confidence
Mixed or range-bound price action
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Risk Analyst
bullish
80
/ 100 · Low confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
+ Low leverage (debt-to-equity 0.04) -- balance sheet can absorb a shock
Macro Analyst
neutral
58
/ 100 · Moderate confidence
Macro backdrop is mixed or neutral -- not a strong tailwind or headwind either way
+ Market regime is bullish (Bull market -- normal position sizing)
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 2744.14)
Investment Thesis Evolution
Committee score moved marginally from 61.8 to 60.7.
- New bearish signals: 2 appeared.
- New bullish signals: 3 appeared.
- Bearish pressure eased: 2 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst.
Analyst-level changes:
- Macro Analyst: stance bullish->neutral; score 65->58 (-8); +1 bullish signal(s).
- Portfolio Manager: +2 bearish signal(s).
- Technical Analyst: +1 bullish signal(s).
- Value Analyst: +1 bullish signal(s).
Comparing 2026-07-30 to 2026-07-31 (1 day apart).
Technical Analysis
RSI (14)
55.5
Neutral
MACD Histogram
-0.063
Bearish Momentum
Trend Direction
Uptrend
Weekly: Sideways
Market Structure
Hh Hl
Support
$34.28
Resistance
$38.09
Bollinger %B
0.63
Inside Bands
Price vs Moving Averages
EMA 9
$34.95
Above
EMA 21
$34.75
Above
EMA 50
$34.01
Above
EMA 200
$33.00
Above
Fundamental Analysis
Valuation
71
Growth
48
Profitability
1
Financial Health
50
Cash Flow
37
Valuation
P/E Ratio
18.7×
P/B Ratio
2.52×
PEG Ratio
2.16
Dividend Yield
0.02%
52W High
$38.12
52W Low
$28.12
Quality & Growth
ROE
13.2%
ROA
1.6%
Gross Margin
73.1%
Operating Margin
38.0%
Revenue Growth YoY
—
Debt / Equity
0.04
AI Fundamental Assessment
P/E ratio of 18.7 (inexpensive relative to a 15-40x range); Price-to-book of 2.5x; PEG ratio of 2.2 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.3%; Gross margin of 0.7%; Current ratio of 0.02 (tight short-term liquidity); Debt-to-equity of 0.04; Free cash flow margin of 1.0% (thin cash generation); Free cash flow per share is positive (2.13); 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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