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First Financial Bankshares Inc

NAS:FFINFinancial ServicesCBOEFTSE:MRUTNASDAQ:BANK

$30.48+1.80%LiveIn session · ≈ AED 111.94 · Market cap $4.37B · Next earnings Thu 22 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	93.1%	99.0%	91.1%	75.1%	70.8%	71.8%	—	—
Operating margin	49.3%	53.8%	51.0%	39.1%	36.8%	37.5%	37.5%	+0.0 pts
Net margin	41.1%	45.0%	42.5%	32.0%	30.2%	30.7%	30.7%	+0.0 pts
EBITDA margin	51.9%	56.4%	53.3%	41.1%	38.6%	38.7%	—	—
Return on equity	12.0%	12.9%	18.5%	13.3%	13.9%	13.2%	13.2%	+0.0 pts
Return on assets	1.9%	1.7%	1.8%	1.5%	1.6%	1.6%	1.6%	+0.0 pts
Return on capital employed	13.6%	14.4%	20.9%	15.4%	15.1%	16.1%	—	—
Debt / equity	0.3×	0.4×	0.5×	0.3×	0.1×	0.0×	0.0×	+0.0%
Debt / assets	3.9%	5.1%	5.0%	3.1%	1.4%	0.1%	—	—
Interest coverage	17.0×	45.0×	8.9×	1.7×	1.3×	1.5×	—	—
Current ratio	0.6×	0.6×	0.5×	0.5×	0.1×	0.7×	0.7×	+0.0%
Quick ratio	0.6×	0.6×	0.5×	0.5×	0.1×	0.7×	—	—
Cash ratio	0.1×	0.0×	0.0×	0.0×	0.1×	0.1×	0.1×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.0×	0.1×	0.1×	—	—
Receivables turnover	—	—	—	—	—	0.1×	—	—
Dividend payout	34.8%	35.0%	38.9%	50.2%	46.0%	41.8%	—	—