Profitability
Weight: 25%
B-
62
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 1.5%
- Operating Margin Trend -4.68 pp/yr
FFIN
First Financial Bankshares, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
B+
78
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 14.2%
- 5yr Share-Count CAGR 0.1%
Growth Quality
Weight: 10%
B+
78
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 25.3%
- 5yr EPS CAGR 2.7%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A+
98
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.40x
Balance Sheet
Weight: 30%
B-
67
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 12.4%
- Interest Coverage (EBIT/Int) 1.54x
Stability
Weight: 10%
B
72
- EPS Volatility (σ/μ) 0.27
- Piotroski F-Score 6
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.1 of 2 gurus held; 1 trimmed; 1 full exit.
- Holders
- 1 -1
- Avg Δ position
- -9.3%
- New buys
- 0
- Full exits
- 1