FFIN
First Financial Bankshares Inc. Financial Services - Banking Investor Relations →
First Financial Bankshares Inc. (FFIN) closed at $28.95 as of 2026-03-20, trading 10.4% below its 200-week moving average of $32.31. This places FFIN in the extreme value zone. The stock is currently moving closer to the line, down from -9.2% last week. The 14-week RSI sits at 42, indicating neutral momentum.
Trading volume is running at 1.7x of its 14-week average, which is in the normal range. The balance between buying and selling volume (0.85 ratio) is neutral — neither side is clearly dominating.
Over the past 1641 weeks of data, FFIN has crossed below its 200-week moving average 20 times. On average, these episodes lasted 12 weeks. Historically, investors who bought FFIN at the start of these episodes saw an average one-year return of +25.8%.
With a market cap of $4.1 billion, FFIN is a mid-cap stock. Return on equity stands at 14.4%. The stock trades at 2.1x book value.
Over the past 31.5 years, a hypothetical investment of $100 in FFIN would have grown to $6299, compared to $2377 for the S&P 500. That represents an annualized return of 14.1% vs 10.6% for the index — confirming FFIN as a market-beating investment and the kind of quality company where buying during 200-week moving average touches has historically been rewarded.
Free cash flow has been declining at a -2.5% compound annual rate. A deteriorating cash flow trend warrants extra scrutiny — the stock may be cheap for a reason.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: FFIN vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After FFIN Crosses Below the Line?
Across 19 historical episodes, buying FFIN when it crossed below its 200-week moving average produced an average return of +21.3% after 12 months (median +22.0%), compared to +14.2% for the S&P 500 over the same periods. 69% of those episodes were profitable after one year. After 24 months, the average return was +70.4% vs +27.5% for the index.
Each line shows $100 invested at the moment FFIN crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Historical Touches
FFIN has crossed below its 200-week MA 20 times with an average 1-year return of +25.8% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Oct 1994 | Jun 1995 | 36 | 21.3% | +49.3% | +6198.9% |
| Dec 1999 | Aug 2000 | 36 | 17.7% | +8.5% | +2300.5% |
| Sep 2000 | Sep 2000 | 1 | 2.3% | +30.8% | +2172.4% |
| Oct 2000 | Oct 2000 | 3 | 3.1% | +26.0% | +2116.6% |
| Dec 2000 | Dec 2000 | 1 | 1.1% | +21.5% | +2112.1% |
| Mar 2009 | Mar 2009 | 1 | 1.4% | +48.7% | +556.5% |
| Aug 2011 | Oct 2011 | 11 | 14.1% | +17.6% | +407.5% |
| Nov 2011 | Nov 2011 | 1 | 4.8% | +31.6% | +422.1% |
| May 2012 | Jun 2012 | 1 | 2.0% | +83.3% | +389.8% |
| Jan 2016 | Feb 2016 | 2 | 1.7% | +66.9% | +167.1% |
| Mar 2020 | Mar 2020 | 1 | 2.3% | +101.6% | +32.9% |
| Oct 2022 | Sep 2024 | 97 | 37.0% | -27.7% | -14.7% |
| Sep 2024 | Oct 2024 | 1 | 1.9% | -4.8% | -16.7% |
| Oct 2024 | Nov 2024 | 2 | 1.5% | -12.1% | -17.2% |
| Dec 2024 | Jan 2025 | 4 | 4.7% | -13.5% | -18.3% |
| Mar 2025 | Jun 2025 | 12 | 12.3% | -15.6% | -16.8% |
| Jun 2025 | Jun 2025 | 1 | 0.7% | N/A | -15.2% |
| Jul 2025 | Aug 2025 | 2 | 2.1% | N/A | -13.5% |
| Sep 2025 | Feb 2026 | 19 | 8.9% | N/A | -14.1% |
| Feb 2026 | Ongoing | 4+ | 10.4% | Ongoing | -5.8% |
| Average | 12 | — | +25.8% | — |
Frequently Asked Questions
Is FFIN below its 200-week moving average?
Yes. As of 2026-03-20, First Financial Bankshares Inc. (FFIN) is trading 10.4% below its 200-week moving average of $32.31. The current price is $28.95.
What is FFIN's 200-week moving average price?
First Financial Bankshares Inc.'s 200-week moving average is $32.31 as of 2026-03-20. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when FFIN drops below its 200-week moving average?
FFIN has crossed below its 200-week moving average 20 times in our data. On average, buying at that moment produced a one-year return of +25.8%. These dips have historically been decent entry points. These episodes lasted 12 weeks on average.
Is FFIN a good value right now?
Here's what our data says about FFIN as of 2026-03-20: The stock is below its 200-week moving average, which is the starting point for our analysis. The 14-week RSI is 42. Return on equity is 14.4%. Price-to-book is 2.1x. This is not a buy or sell recommendation — always do your own research.
How does FFIN compare to the S&P 500?
Over the past 31.5 years, $100 invested in FFIN would have grown to $6299, compared to $2377 for the S&P 500. That's 14.1% annualized vs 10.6% for the index. FFIN has outperformed the broader market over this period.
Does FFIN pay a dividend?
Yes. First Financial Bankshares Inc. currently pays a dividend yield of 262.00%.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-03-20