First Financial Bankshares, Inc.
First Financial Bankshares, Inc. (NASDAQ: FFIN) is trading at $32.45, about ₹3,113 at today's USD/INR rate, as of 25 Sep 2026, 4:00 PM ET, up 0.87% today. Indian residents can buy First Financial Bankshares from India on Paasa under the RBI's Liberalised Remittance Scheme.
Quote
Today's low
$32.18
Today's high
$32.59
52 week low
$28.12
52 week high
$36.52
FFIN opened at $32.30, closed previously at $32.17, and has traded between $28.12 and $36.52 over the past 52 weeks.
About
First Financial Bankshares, Inc. (FFIN) is a financial institution that delivers a broad array of commercial banking and financial services throughout Texas via its network of subsidiaries. Its core offerings include various deposit solutions, such as checking, savings, money market, and time deposit accounts. The company provides diverse lending options, extending credit for commercial and industrial ventures, municipal projects, agriculture, construction and development, and farm operations. It also finances both owner-occupied and non-owner-occupied commercial real estate, residential properties, and consumer needs, including vehicle and other personal loans. These services primarily cater to businesses, professional clients, and agricultural enterprises. The institution also equips its customers with contemporary banking conveniences like internet and mobile banking, remote deposit capture, payroll cards, and funds transfer capabilities. Traditional amenities such as drive-in and night deposit services, automated teller machines (ATMs), and secure safe deposit facilities are also part of its comprehensive service suite. Beyond conventional banking, First Financial Bankshares offers robust personal trust services. These encompass wealth management, estate administration, and the management of various trust structures, including testamentary, revocable, irrevocable, and agency accounts. Additionally, the company provides securities brokerage and manages a range of retirement and employee benefit plans, such as 401(k) profit-sharing plans and Individual Retirement Accounts (IRAs). Its service portfolio is further enhanced by asset management and technology services. As of December 31, 2021, FFIN operated 78 financial centers strategically located across Texas. The company, established in 1890, maintains its corporate headquarters in Abilene, Texas.
Key statistics
Avg. volume
838.33K
Market cap
$4.65B
P/E Ratio
17.26
Price-to-sales ratio
5.39
Enterprise value
$4.44B
Free cash flow yield
6.93%
Debt-to-equity ratio
0.04
Return on equity
14.00%
ROIC
12.52%
Beta
0.82
Dividend yield
2.53%
Last dividend
$0.82
Financial overview
Revenue
$825.80M
Earnings per share
$1.78
Free cash flow
$307.14M
Net profit margin
31.16%
Gross margin
73.09%
EBITDA
$319.94M
Revenue growth
11.71%
Similar securities
This is not an investment recommendation
How to buy First Financial Bankshares from India
Indian residents can buy First Financial Bankshares shares through Paasa in four steps. Funds leave India under the RBI's Liberalised Remittance Scheme and the shares are held in your own name with Interactive Brokers.
Open a Paasa account
Complete digital KYC with your PAN, Aadhaar and address proof. Your brokerage account is opened in your own name with Interactive Brokers.
Add funds under LRS
Transfer INR from your Indian bank account. Your bank reports the remittance under the RBI's Liberalised Remittance Scheme and converts it to US dollars.
Search for First Financial Bankshares and place an order
Find First Financial Bankshares by name or by its ticker, FFIN, and choose an order type. You can buy by amount or by quantity — fractional shares mean there is no minimum trade size. First Financial Bankshares trades 7:00 pm – 1:30 am IST; orders can only execute during that window.
Track holdings and download tax reports
Follow your First Financial Bankshares position in USD and INR, and use Paasa's capital-gains and dividend statements when you file your Indian return.
Read the full guide: how to invest in First Financial Bankshares from India
Trading and taxes when buying First Financial Bankshares from India
Trading and limits
- Trading hours
- 9:30 am – 4:00 pm ET
- LRS limit
- $250,000Per financial year, under the RBI's Liberalised Remittance Scheme.
Tax for Indian residents
- TCS on remittance
- 20%Collected by your bank on LRS remittances above ₹10 lakh in a financial year. The TCS is adjustable against your income-tax liability.Adjusting TCS against your tax
- Capital gains in India
- 12.5% or slab rateGains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate.Capital gains explained
- Dividends
- Slab rateDividends are taxed at your slab rate in India. The US withholds tax on dividends paid to Indian residents at the treaty rate; Paasa files Form W-8BEN for you, and the tax withheld can generally be claimed as a credit in India. First Financial Bankshares’ current yield is 2.53%.Dividend tax explained
- US estate tax
- May applyUS-situs assets such as US-listed shares can be exposed to US estate tax for non-US persons.US estate tax calculator
Custody. Shares are held in your own name at Interactive Brokers LLC and are SIPC-insured up to $500,000 in total, including $250,000 for cash.
FAQs
Can Indian residents buy First Financial Bankshares stock?
Yes. First Financial Bankshares (FFIN) has been listed on NASDAQ since 1993, in the Banks - Regional industry, and Indian residents can buy it through Paasa. You fund the account from your Indian bank under the RBI's Liberalised Remittance Scheme and the money is converted to US dollars. Shares are held in your own name at Interactive Brokers LLC and are SIPC-insured up to $500,000 in total, including $250,000 for cash.
How much does one First Financial Bankshares share cost in rupees?
One First Financial Bankshares share is $32.45 — about ₹3,113 at a USD/INR rate of 95.92 on 25 Sep 2026. Both the First Financial Bankshares price and the rupee rate move during the day, so the rupee cost changes with them.
What are the LRS and TCS rules for buying First Financial Bankshares from India?
Remit up to $250,000 per financial year under the RBI's Liberalised Remittance Scheme (LRS). Banks collect 20% tax at source on LRS remittances above ₹10 lakh in a financial year; the TCS is adjustable against your income-tax liability. FX and the LRS declaration are handled by your bank when you fund your account.
Can I buy whole shares of First Financial Bankshares?
Yes. One First Financial Bankshares share is $32.45, and you can buy as many whole shares as you like. You can also buy by amount rather than by quantity: there is no minimum trade size, and Paasa supports fractional investing in First Financial Bankshares.
How are gains on First Financial Bankshares shares taxed in India?
The US does not levy capital gains tax on shares for Indian residents, so the tax is an India-side one. Gains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate. The gain is computed in rupees using the USD/INR rate on the purchase and the sale date, so the rupee move counts alongside the First Financial Bankshares price. Paasa issues a capital-gains statement for your return.
Does First Financial Bankshares pay a dividend, and how is it taxed in India?
Yes. First Financial Bankshares pays a dividend and the current yield is 2.53%; the last declared dividend was $0.82 per share, about ₹78.65. Dividends are taxed at your slab rate in India. The US withholds tax on dividends paid to Indian residents at the treaty rate; Paasa files Form W-8BEN for you, and the tax withheld can generally be claimed as a credit in India. Paasa's dividend report lists the gross dividend and any tax withheld for each payment.
When can I trade First Financial Bankshares from India?
NASDAQ trades 7:00 pm – 1:30 am IST in Indian time, so the close lands after midnight. The window shifts to 8:00 pm – 2:30 am IST when the US is on standard time. Orders can only execute during that window.
Is there estate or inheritance tax on First Financial Bankshares shares held from India?
US-situs assets such as US-listed shares can be exposed to US estate tax for non-US persons. It applies to your overall holdings in that jurisdiction rather than to any one position. Paasa's US estate tax calculator shows the exposure for a given portfolio value.
Do I have to declare First Financial Bankshares shares in my Indian tax return?
Yes. Foreign shares held on 31 March must be reported in Schedule FA of your Indian income-tax return. Paasa gives you a Schedule FA-ready statement listing your First Financial Bankshares holding, its cost and its closing value.
How do I sell First Financial Bankshares and bring the money back to India?
You sell during market hours (7:00 pm – 1:30 am IST) and the proceeds settle in USD in your Paasa account. From there you can hold the balance, reinvest, or repatriate. Funds can be withdrawn in any currency to any bank account in your own name. Whether the sale is short- or long-term is decided by the 24-month holding period.