Stock Ratings / Financials / FFIN / earnings

SFBS (69) CATY (67) UCB (74) FULT (67) ⌘ Pro Terminal →

First Financial Bankshares Inc. (FFIN) Next Earnings Date & Expected ±4.7% Move

$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

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on FFIN Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is FFIN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does FFIN compare to SFBS and CATY in the Financials sector?

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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).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for FFIN?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

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 →

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±4.7% Swing Band

±$1.45 Expected Swing

MODEL EARNINGS SETUP GAUGE

FFIN Quantitative Pre-Earnings Setup: 71/100

Trailing EPS: $1.77 • YoY Revenue Growth: 12.4%

Model Bullish Setup (71/100)Model Risk Weight (29/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$0	$253.6M	$299.4M	52%
FY 2024	2024-12-31	$0	$223.5M	$309.6M	52%
FY 2023	2023-12-31	$0	$199.0M	$284.8M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating FFIN & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on FFIN
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

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?

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

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

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).