Is FFIN halal?
First Financial Bankshares, Inc
Not halal
First Financial Bankshares, Inc did not pass AAOIFI screening. The failed check is shown below.
Checked: 16 October 2026
Exchange
NASDAQ
Price
30.47
Day
-3.55%
Market cap
$4.40B
Industry
Banks - Regional
Sector
Financial Services
What the company does
First Financial Bankshares is a regional bank in Texas. Revenue comes from loan interest and trust services.
What was checked
The AAOIFI standard has four steps: business activity first, then three financial ratios. Fail one and the stock is not halal.
Business activity
Prohibited activity: Banks - Regional
Interest-bearing debt / market cap
limit 30%
Interest-bearing debt $21.05M ÷ 36-month average market cap $4.73B = 0.5%
0.5%
Pass
Cash & investments / market cap
limit 30%
Cash + interest-bearing securities $3.01B ÷ 36-month average market cap $4.73B = 63.5%
63.5%
Fail
Non-compliant income / total revenue
limit 5%
Interest income $706.07M ÷ annual revenue $617.11M (2025) = 114.4%
114.4%
Fail
Figures from the company's filings (2026-06-30), USD. Market cap is a 36-month average (the S&P Shariah index approach), so a one-day price move does not flip the verdict. Today's market cap: $4.40B.
In the lists
- In the S&P 500
- Not in the S&P 500
- Held by funds
- Not held by any tracked fund
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Halal is the first question. The second: when to enter?
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This is neither investment advice nor a fatwa. Screening is based on public financial statements and AAOIFI standard No. 21; data may lag. For a personal decision consult your own scholar.