First Financial Bankshares
FFIN · Regional Banks
$30.17
0.5%Intl Bancshares
IBOC · Regional Banks
$67.16
0.2%The short version
- Intl Bancshares is the larger business, with $842M of revenue in fiscal 2025 against $632M for First Financial Bankshares.
- First Financial Bankshares grew revenue faster (14.7%, against 1.0%).
- Investors pay more for each dollar of First Financial Bankshares’s earnings: a P/E of 16.1x against 10.1x for Intl Bancshares.
| Latest fiscal year | FFIN · FY25 | IBOC · FY25 |
|---|---|---|
| Size | ||
| Market cap | $4.3B | $4.2B |
| Revenue | $632M | $842M |
| Free cash flow | — | — |
| Net income | $254M | $412M |
| Growth | ||
| Revenue growth | 14.7% | 1.0% |
| 5-year growth | 5.2% | 9.4% |
| Share count change | 0.2% | −0.1% |
| Profitability | ||
| Gross margin | — | — |
| Operating margin | — | — |
| Net margin | 40.2% | 49.0% |
| FCF margin | — | — |
| Return on capital | — | — |
| Return on equity | 14.4% | 13.6% |
| Balance sheet | ||
| Net debt | — | — |
| Net debt / EBITDA | — | — |
| Dividends and buybacks | $106M | $91.7M |
| Valuation & quality | ||
| P/E | 16.1x | 10.1x |
| Piotroski F-score | — | — |
FY16
FFIN $312M
IBOC $507M
FY17
FFIN $328M
IBOC $527M
FY18
FFIN $375M
IBOC $578M
FY19
FFIN $398M
IBOC $589M
FY20
FFIN $490M
IBOC $539M
FY21
FFIN $513M
IBOC $594M
FY22
FFIN $533M
IBOC $675M
FY23
FFIN $492M
IBOC $833M
FY24
FFIN $551M
IBOC $834M
FY25
FFIN $632M
IBOC $842M
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Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.