First Financial Bankshares vs Home BancShares
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KIRAβs take AI analyst
I put First Financial Bankshares and Home BancShares side by side, using each oneβs latest annual report. Here is what stands out:
- Home BancShares is the larger business, with $1.1B of revenue in fiscal 2025 against $632M for First Financial Bankshares, about 1.7 times as much.
- First Financial Bankshares grew revenue faster (14.7%, against 7.2%).
- Investors pay more for each dollar of First Financial Banksharesβs earnings: a P/E of 16.1x against 12.4x for Home BancShares.
Who comes out ahead
Of the 5 measures where higher (or lower) is clearly better, how many each company leads.
First Financial Bankshares
FFIN
2/5
Revenue growthReturn on equity
Home BancShares
HOMB
3/5
5-year growthNet marginShare count change
Side by side
Best in the row
| Latest fiscal year | FFIN FY25 | HOMB FY25 |
|---|---|---|
| Size | ||
| Market cap | $4.3B | $6.0B |
| Revenue | $632M | $1.1B |
| Free cash flow | β | β |
| Net income | $254M | $475M |
| Growth | ||
| Revenue growth | 14.7% | 7.2% |
| 5-year growth | 5.2% | 9.5% |
| Share count change | 0.2% | β1.2% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 40.2% | 43.6% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 14.4% | 11.5% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $106M | $241M |
| Valuation & quality | ||
| P/E | 16.1x | 12.4x |
| Piotroski F-score | β | β |
Ten years
Revenue
Operating margin
Free cash flow
Return on capital
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.