FFIN
Price
$33.29
Change
-$0.45 (-1.33%)
Updated
Feb 3 closing price
Capitalization
4.74B
71 days until earnings call
Intraday BUY SELL Signals
FRME
Price
$40.81
Change
+$3.51 (+9.41%)
Updated
Feb 3 closing price
Capitalization
2.57B
83 days until earnings call
Intraday BUY SELL Signals
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FFIN vs FRME

Header iconFFIN vs FRME Comparison
Open Charts FFIN vs FRMEBanner chart's image
First Financial Bankshares
Price$33.29
Change-$0.45 (-1.33%)
Volume$1.15M
Capitalization4.74B
First Merchants
Price$40.81
Change+$3.51 (+9.41%)
Volume$504.87K
Capitalization2.57B
FFIN vs FRME Comparison Chart in %
FFIN
Daily Signal:
Gain/Loss:
FRME
Daily Signal:
Gain/Loss:
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VS
FFIN vs. FRME commentary
Feb 04, 2026

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is FFIN is a Hold and FRME is a StrongBuy.

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COMPARISON
Comparison
Feb 04, 2026
Stock price -- (FFIN: $33.29 vs. FRME: $40.81)
Brand notoriety: FFIN and FRME are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: FFIN: 131% vs. FRME: 159%
Market capitalization -- FFIN: $4.74B vs. FRME: $2.57B
FFIN [@Regional Banks] is valued at $4.74B. FRME’s [@Regional Banks] market capitalization is $2.57B. The market cap for tickers in the [@Regional Banks] industry ranges from $161.17B to $0. The average market capitalization across the [@Regional Banks] industry is $9.28B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

FFIN’s FA Score shows that 1 FA rating(s) are green whileFRME’s FA Score has 1 green FA rating(s).

  • FFIN’s FA Score: 1 green, 4 red.
  • FRME’s FA Score: 1 green, 4 red.
According to our system of comparison, FRME is a better buy in the long-term than FFIN.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

FFIN’s TA Score shows that 7 TA indicator(s) are bullish while FRME’s TA Score has 5 bullish TA indicator(s).

  • FFIN’s TA Score: 7 bullish, 3 bearish.
  • FRME’s TA Score: 5 bullish, 3 bearish.
According to our system of comparison, FFIN is a better buy in the short-term than FRME.

Price Growth

FFIN (@Regional Banks) experienced а +4.55% price change this week, while FRME (@Regional Banks) price change was +6.86% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +2.32%. For the same industry, the average monthly price growth was +6.12%, and the average quarterly price growth was +19.17%.

Reported Earning Dates

FFIN is expected to report earnings on Apr 16, 2026.

FRME is expected to report earnings on Apr 28, 2026.

Industries' Descriptions

@Regional Banks (+2.32% weekly)

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
FFIN($4.74B) has a higher market cap than FRME($2.57B). FFIN has higher P/E ratio than FRME: FFIN (18.81) vs FRME (10.52). FFIN YTD gains are higher at: 11.450 vs. FRME (8.885). FFIN has more cash in the bank: 237M vs. FRME (88.1M). FFIN has less debt than FRME: FFIN (21.1M) vs FRME (856M). FRME has higher revenues than FFIN: FRME (648M) vs FFIN (600M).
FFINFRMEFFIN / FRME
Capitalization4.74B2.57B184%
EBITDAN/AN/A-
Gain YTD11.4508.885129%
P/E Ratio18.8110.52179%
Revenue600M648M93%
Total Cash237M88.1M269%
Total Debt21.1M856M2%
FUNDAMENTALS RATINGS
FFIN vs FRME: Fundamental Ratings
FFIN
FRME
OUTLOOK RATING
1..100
7612
VALUATION
overvalued / fair valued / undervalued
1..100
84
Overvalued
36
Fair valued
PROFIT vs RISK RATING
1..100
10077
SMR RATING
1..100
1616
PRICE GROWTH RATING
1..100
5549
P/E GROWTH RATING
1..100
7372
SEASONALITY SCORE
1..100
5050

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

FRME's Valuation (36) in the Regional Banks industry is somewhat better than the same rating for FFIN (84). This means that FRME’s stock grew somewhat faster than FFIN’s over the last 12 months.

FRME's Profit vs Risk Rating (77) in the Regional Banks industry is in the same range as FFIN (100). This means that FRME’s stock grew similarly to FFIN’s over the last 12 months.

FRME's SMR Rating (16) in the Regional Banks industry is in the same range as FFIN (16). This means that FRME’s stock grew similarly to FFIN’s over the last 12 months.

FRME's Price Growth Rating (49) in the Regional Banks industry is in the same range as FFIN (55). This means that FRME’s stock grew similarly to FFIN’s over the last 12 months.

FRME's P/E Growth Rating (72) in the Regional Banks industry is in the same range as FFIN (73). This means that FRME’s stock grew similarly to FFIN’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
FFINFRME
RSI
ODDS (%)
Bearish Trend 1 day ago
79%
N/A
Stochastic
ODDS (%)
Bullish Trend 1 day ago
56%
Bearish Trend 1 day ago
60%
Momentum
ODDS (%)
Bullish Trend 1 day ago
51%
Bullish Trend 1 day ago
58%
MACD
ODDS (%)
Bullish Trend 1 day ago
49%
Bullish Trend 1 day ago
67%
TrendWeek
ODDS (%)
Bullish Trend 1 day ago
57%
Bullish Trend 1 day ago
56%
TrendMonth
ODDS (%)
Bullish Trend 1 day ago
56%
Bullish Trend 1 day ago
48%
Advances
ODDS (%)
Bullish Trend 1 day ago
57%
Bullish Trend 3 days ago
55%
Declines
ODDS (%)
Bearish Trend 8 days ago
65%
Bearish Trend 10 days ago
63%
BollingerBands
ODDS (%)
Bearish Trend 1 day ago
68%
Bearish Trend 1 day ago
66%
Aroon
ODDS (%)
Bullish Trend 1 day ago
52%
Bullish Trend 1 day ago
41%
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FFIN
Daily Signal:
Gain/Loss:
FRME
Daily Signal:
Gain/Loss:
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FRME and

Correlation & Price change

A.I.dvisor indicates that over the last year, FRME has been closely correlated with STBA. These tickers have moved in lockstep 89% of the time. This A.I.-generated data suggests there is a high statistical probability that if FRME jumps, then STBA could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FRME
1D Price
Change %
FRME100%
-0.20%
STBA - FRME
89%
Closely correlated
+0.65%
FFBC - FRME
88%
Closely correlated
+0.99%
IBCP - FRME
88%
Closely correlated
+0.72%
FCF - FRME
87%
Closely correlated
+1.75%
FFIN - FRME
87%
Closely correlated
+2.72%
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