Is FFIC or FFIN more undervalued in 2026?

CirclFi compares Flushing Financial Corporation (FFIC) and First Financial Bankshares, Inc (FFIN) using 13 institutional-grade valuation models. FFIC has a Quality of Company score of 7.8/10 while FFIN scores 8.7/10.

Which is a better buy — FFIC or FFIN?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do FFIC and FFIN valuations compare?

FFIC at $15.96 and FFIN at $32.70 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

FFIC vs FFIN Valuation Comparison 2026 — Intrinsic Value Analysis

FFIC

Banks - Regional

Flushing Financial Corporation

Quality

7.8

out of 10

Value Trap

SAFE

Price

$15.96

Last close

Models

10/13

Active

FFIN

Banks - Regional

First Financial Bankshares, Inc

Quality

8.7

out of 10

Value Trap

SAFE

Price

$32.70

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	FFIC Fair Value	FFIC Upside	FFIN Fair Value	FFIN Upside
Bayesian DCF	Intrinsic	$4.83	-69.7%	$15.42	-52.8%
Earnings Power Value	Intrinsic	$0.51	-96.8%	$19.60	-40.1%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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FFIC vs FFIN — Which Stock Is More Undervalued?

FFIN scores higher with a 8.7/10 quality rating vs FFIC's 7.8/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Flushing Financial Corporation (FFIC) and First Financial Bankshares, Inc (FFIN) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

FFIC currently trades at $15.96 with a QOC of 7.8/10, while FFIN trades at $32.70 with a QOC of 8.7/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).