Which has the lower trailing P/E, FFIN or TFSL?

FFIN has the lower trailing P/E: FFIN trades at 17.06 and TFSL at 45.55. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, FFIN or TFSL?

Over the past five years, TFSL grew revenue faster — FFIN at a 11.61% CAGR versus TFSL at 11.98%.

Does FFIN or TFSL pay a bigger dividend?

FFIN yields 2.56% and TFSL yields 7.04% based on trailing dividends and the latest price.

Is FFIN or TFSL more profitable?

FFIN runs the higher net margin — FFIN at 31.16% versus TFSL at 12.48%.

How have FFIN and TFSL total returns compared?

Over the past 10 years, FFIN delivered 7.63% and TFSL delivered 6.18% annualized total return. Past performance doesn't predict future results.

First Financial Bankshares, Inc. (FFIN) vs TFS Financial Corporation (TFSL)

A side-by-side comparison of First Financial Bankshares, Inc. and TFS 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.

FFIN

First Financial Bankshares, Inc.

$4.57B

$31.90Financial ServicesDelayed quote: Oct 6, 2026, 2:05 PM EDT

TFSL

TFS Financial Corporation

$4.64B

$16.54Financial ServicesDelayed quote: Oct 6, 2026, 2:05 PM EDT

Total return — FFIN vs TFSL

growth of $100 · dividends reinvested · last 10y

FFIN +111.6% (+7.8%/yr)TFSL +81.6% (+6.2%/yr)FFIN compounded faster over this window

FFIN TFSL

FFIN vs TFSL: by the numbers

•TFSL is the larger company ($4.64B vs $4.57B market cap).
•FFIN trades at the lower trailing earnings multiple (17.06 vs 45.55 P/E), one valuation lens rather than an overall verdict.
•FFIN converts more revenue to profit (31.16% vs 12.48% net margin).
•TFSL grew revenue faster over the past five years (11.98% vs 11.61% CAGR).
•TFSL pays the higher dividend yield (7.04% vs 2.56%).

Metrics side by side

Valuation

Metric	FFIN	TFSL
P/E ratio	17.06	45.55
Forward P/E	15.59	42.41
PEG ratio	3.78	35.04
P/S ratio	5.29	5.67
P/B ratio	2.29	2.37

Profitability

Metric	FFIN	TFSL
Operating margin	38.00%	14.86%
Net margin	31.16%	12.48%
ROE	13.47%	5.21%

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.

TFS 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	TFSL
Dividend yield	2.56%	7.04%
Payout ratio	43.85%	320.85%

Growth (annualized)

Metric	FFIN	TFSL
Revenue CAGR (5Y)	11.61%	11.98%
EPS CAGR (5Y)	4.62%	1.30%
Total return CAGR (5Y)	-5.53%	5.24%

Frequently asked

Which has the lower trailing P/E, FFIN or TFSL?: FFIN has the lower trailing P/E: FFIN trades at 17.06 and TFSL at 45.55. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, FFIN or TFSL?: Over the past five years, TFSL grew revenue faster — FFIN at a 11.61% CAGR versus TFSL at 11.98%.
Does FFIN or TFSL pay a bigger dividend?: FFIN yields 2.56% and TFSL yields 7.04% based on trailing dividends and the latest price.
Is FFIN or TFSL more profitable?: FFIN runs the higher net margin — FFIN at 31.16% versus TFSL at 12.48%.
How have FFIN and TFSL total returns compared?: Over the past 10 years, FFIN delivered 7.63% and TFSL delivered 6.18% annualized total return. Past performance doesn't predict future results.

Go deeper

Full FFIN analysis Full TFSL analysis Interactive comparison tool

Dig into the metrics

First Financial Bankshares P/E ratio TFS Financial P/E ratio First Financial Bankshares dividend yield TFS Financial dividend yield First Financial Bankshares ROE TFS Financial ROE First Financial Bankshares operating margin TFS Financial operating margin First Financial Bankshares revenue growth TFS Financial revenue growth

First Financial Bankshares & TFS Financial appear in these rankings

Highest Dividend Yield Stocks Highest Operating Margin Stocks

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.