First Financial Bankshares, Inc. (FFIN) vs Fulton Financial Corporation (FULTP)
A side-by-side comparison of First Financial Bankshares, Inc. and Fulton Financial Corporation across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — FFIN vs FULTP
growth of $100 · dividends reinvested · last 6yFFIN vs FULTP: by the numbers
- •FFIN is the larger company ($4.60B vs $4.55B market cap).
- •FULTP trades at the lower trailing earnings multiple (8.16 vs 17.16 P/E), one valuation lens rather than an overall verdict.
- •FFIN converts more revenue to profit (31.16% vs 20.71% net margin).
- •FULTP grew revenue faster over the past five years (14.90% vs 11.61% CAGR).
- •FULTP pays the higher dividend yield (7.46% vs 2.56%).
Metrics side by side
Valuation
| Metric | FFIN | FULTP |
|---|---|---|
| P/E ratio | 17.16 | 8.16 |
| Forward P/E | 15.68 | 8.15 |
| PEG ratio | 3.80 | 0.58 |
| P/S ratio | 5.33 | 2.37 |
| P/B ratio | 2.30 | 1.25 |
Profitability
| Metric | FFIN | FULTP |
|---|---|---|
| Operating margin | 38.00% | 25.73% |
| Net margin | 31.16% | 20.71% |
| ROE | 13.47% | 10.39% |
First Financial Bankshares, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Fulton Financial Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | FFIN | FULTP |
|---|---|---|
| Dividend yield | 2.56% | 7.46% |
| Payout ratio | 43.85% | 61.29% |
Growth (annualized)
| Metric | FFIN | FULTP |
|---|---|---|
| Revenue CAGR (5Y) | 11.61% | 14.90% |
| EPS CAGR (5Y) | 4.62% | 14.23% |
| Total return CAGR (5Y) | -5.53% | -1.61% |
Frequently asked
- Which has the lower trailing P/E, FFIN or FULTP?
- FULTP has the lower trailing P/E: FFIN trades at 17.16 and FULTP at 8.16. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, FFIN or FULTP?
- Over the past five years, FULTP grew revenue faster — FFIN at a 11.61% CAGR versus FULTP at 14.90%.
- Does FFIN or FULTP pay a bigger dividend?
- FFIN yields 2.56% and FULTP yields 7.46% based on trailing dividends and the latest price.
- Is FFIN or FULTP more profitable?
- FFIN runs the higher net margin — FFIN at 31.16% versus FULTP at 20.71%.
- How have FFIN and FULTP total returns compared?
- Over the past 5 years, FFIN delivered -5.53% and FULTP delivered -1.61% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
First Financial Bankshares & Fulton Financial appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.