Is FIRST FINANCIAL BANKSHARES INC (FFIN) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 57.3% | |
| Net Margin | 42.1% | |
| Return on Equity (ROE) | 14.4% | |
| Return on Assets (ROA) | 1.7% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $299M |
| Free Cash Flow | $286M |
| Total Debt | $21M |
| Total Assets | $15.4B |
Price & Trading
| Last Close | $29.53 |
| 50-Day MA | $31.64 |
| 200-Day MA | $33.24 |
| Avg Volume | 843K |
| Beta | 0.8 |
|
52-Week Range
$28.12
| |
About FIRST FINANCIAL BANKSHARES INC (FFIN)
First Financial Bankshares, Inc., through its subsidiaries, provides banking services in the United States. The company offers general commercial banking services, including checking, savings and time deposits, loans, automated teller machines, drive-in and night deposit services, safe deposit facilities, remote deposit capture, internet banking, mobile banking, payroll cards, funds transfer, and other customary commercial banking service, as well as securities brokerage services. It also provides personal trust services, such as wealth management; administration of estates, oil and gas management; farm and ranch; property management; testamentary trusts; revocable and irrevocable trusts; and agency accounts. In addition, the company offers commercial and industrial; municipal; agricultural; construction and development; farm; residential; consumer auto and non-auto; and non-owner occupied and owner occupied commercial real estate loans. Further, it provides advice and specialized services related to lending, investing, purchasing, advertising, public relations, and technology services. First Financial Bankshares, Inc. was founded in 1890 and is headquartered in Abilene, Texas.
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Frequently Asked Questions
Is FIRST FINANCIAL BANKSHARES INC (FFIN) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), FIRST FINANCIAL BANKSHARES INC is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is FIRST FINANCIAL BANKSHARES INC's debt ratio?
FIRST FINANCIAL BANKSHARES INC's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are FIRST FINANCIAL BANKSHARES INC's key financial metrics?
FIRST FINANCIAL BANKSHARES INC has a market capitalization of $4.2B, trailing P/E ratio of 16.4, and revenue of $617M. Return on equity stands at 14.4%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.