First Financial Bankshares vs United Bankshares
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The short version
- United Bankshares is the larger business, with $1.2B of revenue in fiscal 2025 against $632M for First Financial Bankshares, about 2.0 times as much.
- United Bankshares grew revenue faster (19.6%, against 14.7%).
- Investors pay more for each dollar of First Financial Banksharesβs earnings: a P/E of 16.1x against 13.3x for United Bankshares.
| Latest fiscal year | FFIN Β· FY25 | UBSI Β· FY25 |
|---|---|---|
| Size | ||
| Market cap | $4.3B | $6.9B |
| Revenue | $632M | $1.2B |
| Free cash flow | β | β |
| Net income | $254M | $465M |
| Growth | ||
| Revenue growth | 14.7% | 19.6% |
| 5-year growth | 5.2% | 36.3% |
| Share count change | 0.2% | 4.9% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 40.2% | 37.6% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 14.4% | 8.9% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $106M | $336M |
| Valuation & quality | ||
| P/E | 16.1x | 13.3x |
| Piotroski F-score | β | β |
Revenue
FY16
FFIN $312M
UBSI $495M
FY17
FFIN $328M
UBSI $681M
FY18
FFIN $375M
UBSI $240M
FY19
FFIN $398M
UBSI $277M
FY20
FFIN $490M
UBSI $263M
FY21
FFIN $513M
UBSI $331M
FY22
FFIN $533M
UBSI $312M
FY23
FFIN $492M
UBSI $1.1B
FY24
FFIN $551M
UBSI $1.0B
FY25
FFIN $632M
UBSI $1.2B
FFIN
UBSI
Operating margin
FY16
FFIN β
UBSI β
FY17
FFIN β
UBSI β
FY18
FFIN β
UBSI β
FY19
FFIN β
UBSI β
FY20
FFIN β
UBSI β
FY21
FFIN β
UBSI β
FY22
FFIN β
UBSI β
FY23
FFIN β
UBSI β
FY24
FFIN β
UBSI β
FY25
FFIN β
UBSI β
FFIN
UBSI
Free cash flow
FY16
FFIN β
UBSI β
FY17
FFIN β
UBSI β
FY18
FFIN β
UBSI β
FY19
FFIN β
UBSI β
FY20
FFIN β
UBSI β
FY21
FFIN β
UBSI β
FY22
FFIN β
UBSI β
FY23
FFIN β
UBSI β
FY24
FFIN β
UBSI β
FY25
FFIN β
UBSI β
FFIN
UBSI
Return on capital
FY16
FFIN β
UBSI β
FY17
FFIN β
UBSI β
FY18
FFIN β
UBSI β
FY19
FFIN β
UBSI β
FY20
FFIN β
UBSI β
FY21
FFIN β
UBSI β
FY22
FFIN β
UBSI β
FY23
FFIN β
UBSI β
FY24
FFIN β
UBSI β
FY25
FFIN β
UBSI β
FFIN
UBSI
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.