First Financial Bankshares (FFIN) Stock Analysis & Winston Score

First Financial Bankshares is a regional bank holding company based in Abilene, Texas. It offers everyday banking services like checking and savings accounts, loans, mortgages, and wealth management to individuals and businesses. The company operates primarily across Texas, serving communities in smaller and mid-sized markets throughout the state. The bank makes money the traditional way — it earns interest on loans and mortgages, and also collects fees for services like trust and wealth management. First Financial Bankshares operates roughly 80 locations across Texas, making it one of the larger community-focused banks in the state. Its long history in Texas and deep roots in smaller markets give it a loyal customer base that bigger national banks often overlook. The main risk the company faces is rising or falling interest rates, which directly affect how much profit it earns on loans versus what it pays depositors — a balance that can shift quickly depending on Federal Reserve policy.