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First Financial Bankshares Inc. (FFIN) — RQD Stock Rating Cockpit

$30.75 +1.45% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $30.90

First Financial Bankshares Inc. (FFIN) earns a Roarable Rating of B- (Buy) with 71/100 RQD Confidence. High-quality cash engine (steady margins, 13% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 71/100 (B-) historically ranked in the Top 14% of excess returns over the next 90 days (+6.8% avg 90D alpha vs SPY • 68.4% hit rate) →

ROARABLE B- • BUY Cap $4.41B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $30.90 (+0.50%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 7.5% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 71/100 (B-) historically ranked in the Top 14% of excess returns over the next 90 days (+6.8% avg 90D alpha vs SPY • 68.4% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B-

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B- · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+5.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FFIN)Realized 20D OHLCV Swing Band: ±4.7%

Deterministic 5-Pillar Attribution (71/100 Composite)

🔍 WHY FFIN SCORES 71/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (23% of score)

FRED Regime × Technicals: 31% of 52W Range • RSI-14 at 44.1 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk13/20 pts (-7 pt drag)

Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade A-$30.77-1% Next Q

Q2 (-2Q)

Grade B+$30.47-1% Next Q

Q3 (-1Q)

Grade B+$30.17+1.9% Next Q

Current

Grade B-$30.75+6.8% Hist 90D α

Trajectory: A- (79) → B- (71)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the FFIN Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 71/100 (B-) score, FFIN faces multiple-compression risk if 17.4x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($32.02) or 200D SMA ($32.50) invalidates the momentum regime and cuts Target Base ($32.55) toward Bear Floor ($25.21).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FFIN• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “FFIN Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 71%NO 29%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

44.130 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE31% OF RANGE

L: $28$30.75H: $37

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: CRQD 13 / 20

2. Big Money & Insiders● BUYING

Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: BRQD 29 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: BRQD 29 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on FFIN

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (65)

13.2% ROIC with 42.0% gross margin and 6.79% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (75)

29/40 institutional & smart-money positioning score with 16/20 macro alignment.

Bull Case: Why Buyers Like FFIN

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (FFIN Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

FFIN // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -4.71%📐 HORIZONTAL RANGE

2026-10-30O $30.92H $30.97L $30.28C $30.75VOL 1.23M

RES: $38.51SUP: $29.33SMA50: $32.02SMA200: $32.50

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FFIN Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FFIN Butterfly Map → + Track FFIN →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

10.4%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on FFIN today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FFIN. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for FFIN today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FFIN)

Financials Rank #114 of 1096 ⚔️ SFBS vs FFIN Full Matrix →

1. Head-to-Head Financials Peer Comparison (FFIN vs. SFBS, CATY, UCB, FULT)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, First Financial Bankshares Inc. (FFIN) ranks #114 by composite RQD confidence (71/100, grade B-) and #299 by equity capitalization ($4.41B). Within this direct 5-issuer industry benchmark cohort, FULT leads on earnings valuation at 11.5x trailing P/E, while SFBS leads on capital efficiency and profitability with 15.0% ROIC and — gross margin. UCB currently holds the highest overall quantitative score in the immediate peer group at 74/100 (B) compared with FFIN at 71/100 (B-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
FFIN ACTIVE First Financial Bankshares Inc.	B-	71/100	17.4x	—	13.2%	+1.45%	$4.41B	Benchmark Subject
SFBS ServisFirst Bancshares Inc.	C+	69/100	16.0x	—	15.0%	+1.66%	$4.43B	/sfbs-vs-ffin →
CATY Cathay General Bancorp	C+	67/100	13.8x	—	10.8%	+1.07%	$4.36B	/caty-vs-ffin →
UCB United Community Banks Inc.	B	74/100	13.7x	—	9.0%	+1.78%	$4.49B	/ucb-vs-ffin →
FULT Fulton Financial Corporation	C+	67/100	11.5x	—	11.2%	+1.37%	$4.52B	/fult-vs-ffin →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000036029

In its most recent audited fiscal period (FY2025, filed 2025-12-31), First Financial Bankshares Inc. (FFIN) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $253.6M, operating cash flow of $299.4M, and free cash flow of $299.4M (-3.3% YoY). On the balance sheet, FFIN closed FY2025 with $15.45B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$253.6M	$299.4M	$299.4M	$15.45B	—
FY2024 (FY)	2024-12-31	$0	$223.5M	$309.6M	$309.6M	$13.98B	—
FY2023 (FY)	2023-12-31	$0	$199.0M	$284.8M	$284.8M	—	—

3. FFIN Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FFIN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, First Financial Bankshares Inc. (NASDAQ: FFIN) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 71/100 at a spot price of $30.75 (+1.45% 1D, market cap $4.41B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, FFIN ranks #114 in composite RQD confidence.

How does FFIN compare to SFBS and CATY in the Financials sector?

Within the Financials sector (Major Banks), FFIN carries a Roarable B- (71/100 RQD), trailing P/E of 17.4x, gross margin of —, and ROIC of 13.2%. By comparison, SFBS (ServisFirst Bancshares Inc.) holds a C+ grade (69/100 RQD, P/E 16.0x, ROIC 15.0%, cap $4.43B) and CATY (Cathay General Bancorp) posts a C+ grade (67/100 RQD, P/E 13.8x, ROIC 10.8%, cap $4.36B). Among the 5-stock peer group, FULT leads on earnings multiple (11.5x) while SFBS leads on capital efficiency (15.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for FFIN?

Per FFIN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000036029), First Financial Bankshares Inc. generated $0 in revenue, $253.6M in net income, and $299.4M in free cash flow against $15.45B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is FFIN trading relative to its 50-day, 200-day, and 52-week technical levels?

FFIN last traded at $30.75 (+1.45% on volume of 698,942 shares), positioning the stock -3.97% below its 50-day simple moving average ($32.02) and -5.38% below its 200-day simple moving average ($32.50). Across its 52-week range of $28.12 to $36.52, FFIN sits at the 31.3% percentile with a 14-day RSI of 44.1 (NEUTRAL RANGE) and an implied next-earnings move of ±4.7% ($29.30 to $32.20).

FFIN Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell FFIN stock right now?

First Financial Bankshares Inc. (FFIN) currently earns a Roarable Rating of B- (Buy — BUY) with 71/100 RQD Confidence. High-quality cash engine (steady margins, 13% return on capital) with steady institutional support.

What is FFIN's 12-month price target and RQD AI Jury consensus?

FFIN's 12-month base price target is $32.55 (range $25.21 to $38.41), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: FFIN RQD Cockpit FFIN 12M Forecast FFIN Earnings & Move FFIN Dividends & DRIP FFIN Insiders & 13F FFIN Whale Options FFIN Profit Sankey FFIN News & Why