FFIN

First Financial Bankshares Inc. Financial Services - Banking Investor Relations →

NO
3.5% ABOVE
↓ Approaching Was 5.4% last week
-15% -10% -5% 0% 5% 10% 15%+
Buy Threshold $31.67
14-Week RSI 68
Rel. Volume (14w) This week's trading vs. the 14-week average 1.7x
Buyers vs. Sellers (14w) Are up-weeks or down-weeks getting more volume? 0.72

First Financial Bankshares Inc. (FFIN) closed at $32.78 as of 2026-06-19, trading 3.5% above its 200-week moving average of $31.67. The stock is currently moving closer to the line, down from 5.4% last week. The 14-week RSI sits at 68, 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 (0.72 ratio) is neutral — neither side is clearly dominating.

Over the past 1654 weeks of data, FFIN has crossed below its 200-week moving average 21 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 +24.0%.

With a market cap of $4.7 billion, FFIN is a mid-cap stock. Return on equity stands at 14.6%. The stock trades at 2.4x book value.

Over the past 31.8 years, a hypothetical investment of $100 in FFIN would have grown to $7180, compared to $2744 for the S&P 500. That represents an annualized return of 14.4% vs 11.0% 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 20 historical episodes, buying FFIN when it crossed below its 200-week moving average produced an average return of +19.6% after 12 months (median +19.0%), compared to +14.7% for the S&P 500 over the same periods. 65% 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.

Bean Score Experimental

The Bean Score measures how far a stock's free cash flow yield has deviated from its own quarterly baseline, normalized by the stock's historical behavior. Between earnings dates, FCF is constant — so the score is purely a function of stock price. The levels below show at what prices FFIN would reach each dislocation threshold.

Current Bean Score -0.64σ
Current FCF Yield 6.63%
Baseline Yield 7.19%
Historical σ 0.29pp

Dislocation Price Levels

Prices where FFIN's Bean Score would hit each σ threshold. Valid until next earnings report: 2026-07-16.

LevelσPriceSignal
Deep Value+2σ$29.08Unusually cheap — potential buy zone
Value+1σ$30.28Cheap vs. own history
Fair Value+0σ$31.59Historical mean behavior
Expensive-1σ$33.01Expensive vs. own history
Deep Expensive-2σ$34.57Unusually expensive — potential trim zone

Quarterly FCF & Yield Trailing twelve-month free cash flow and yield at each quarter end

Data depth: 2 quarterly baselines, 22 price observations — Limited history (4+ quarters preferred for reliability)

Signal Accuracy Collecting Data

The Bean Score system is accumulating weekly data to validate signal accuracy. After 13+ weeks of history, this section will display win rates and average returns for each σ threshold crossing — answering the question: "When this score says cheap or expensive, does the price subsequently move in the expected direction?"

11 / 13 weeks minimum

Theoretical framework — not backtested or forward-tested. The Bean Score uses trailing twelve-month free cash flow yield as a dislocation identifier. It measures whether the market has pushed a stock's yield unusually far from its own baseline behavior. These levels are reference points for identifying potential swing trade opportunities, not buy/sell signals. FCF values update quarterly with earnings; between reports, all movement is price-driven.

Dislocation Scores Experimental

Each score measures deviation from FFIN's own historical baseline — the same idea as the Bean Score, applied to different fundamentals. Positive means cheaper or more dislocated than this stock's norm. Scores marked σ are normalized by the stock's own variability; pp values are simple deltas from its recent baseline.

⚠ Earnings quality deteriorating — net income is outrunning free cash flow vs this company's own norm. Cheapness signals here deserve extra scrutiny.
Yield Dislocation +1.17σ Dividend yield vs own 10-yr norm
Drawdown Score +0.96σ Distance from line vs own history
Sector-Relative +1.24σ Vs sector median this week
Buyback Acceleration +0.1pp YoY share change vs own 3-yr pace (− = accelerating)
Insider Intensity 63th TTM buys / market cap, percentile of buyers
FCF Yield vs History N/A Vs own recent annual mean
Earnings Quality Deteriorating Accrual gap trend (+8.6pp of revenue)

Theoretical framework — not backtested. These scores describe how unusual today's readings are for this specific company. They are starting points for research, not buy or sell signals. Annual-statement scores (buyback, accruals, FCF vs history) rest on only ~4 yearly data points and are deltas, not sigmas.

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Historical Touches

FFIN has crossed below its 200-week MA 21 times with an average 1-year return of +24.0% after recovery.

Crossed BelowRecoveredWeeksMax Depth1-Year ReturnReturn Since Touch
Oct 1994Jun 19953621.3%+49.3%+7079.7%
Dec 1999Aug 20003617.7%+8.5%+2636.2%
Sep 2000Sep 200012.3%+30.8%+2490.1%
Oct 2000Oct 200033.1%+26.0%+2426.6%
Dec 2000Dec 200011.1%+21.5%+2421.4%
Mar 2009Mar 200911.4%+48.7%+648.3%
Aug 2011Oct 20111114.1%+17.6%+478.4%
Nov 2011Nov 201114.8%+31.6%+495.1%
May 2012Jun 201212.0%+83.3%+458.3%
Jan 2016Feb 201621.7%+66.9%+204.5%
Mar 2020Mar 202012.3%+101.6%+51.5%
Oct 2022Sep 20249737.0%-27.7%-2.8%
Sep 2024Oct 202411.9%-4.8%-5.0%
Oct 2024Nov 202421.5%-12.1%-5.6%
Dec 2024Jan 202544.7%-13.5%-6.9%
Mar 2025Jun 20251212.3%-15.6%-5.1%
Jun 2025Jun 202510.7%-3.3%-3.3%
Jul 2025Aug 202522.1%N/A-1.4%
Sep 2025Feb 2026198.9%N/A-2.0%
Feb 2026Apr 2026910.4%N/A+7.4%
May 2026May 202613.1%N/A+6.1%
Average12+24.0%

Frequently Asked Questions

Is FFIN below its 200-week moving average?

No. First Financial Bankshares Inc. (FFIN) is currently 3.5% above its 200-week moving average of $31.67. It would need to fall to $31.67 to cross below the line.

What is FFIN's 200-week moving average price?

First Financial Bankshares Inc.'s 200-week moving average is $31.67 as of 2026-06-19. 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 21 times in our data. On average, buying at that moment produced a one-year return of +24.0%. 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 2026-06-19: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 68. Return on equity is 14.6%. Price-to-book is 2.4x. 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 31.8 years, $100 invested in FFIN would have grown to $7180, compared to $2744 for the S&P 500. That's 14.4% annualized vs 11.0% for the index. FFIN has outperformed the broader market over this period.

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 2026-06-19