Is First Financial Bankshares, Inc. FFIN stock halal to invest in?

No, as of August 2026, First Financial Bankshares, Inc. stock (FFIN) is not currently classified as a Shariah compliant stock. This verdict follows the screening methodology of AAOIFI (the Accounting and Auditing Organization for Islamic Financial Institutions), whose Shariah Standard No. 21 is the leading global benchmark for screening halal stocks. To qualify as halal under this standard, a company must keep non-permissible income below 5% of total revenue, keep both interest-bearing investments and interest-bearing debt below 30% of market capitalisation, and have no impermissible preference share structure. First Financial Bankshares, Inc. currently does not meet the threshold for the non-permissible income screen. Because screenings are refreshed monthly as new financial reports are published, a non-compliant stock can regain compliant status if its financial structure changes. You can track the latest status of First Financial Bankshares, Inc. and discover Shariah compliant alternatives among the halal stocks in the Tabadulat app.

How often is First Financial Bankshares, Inc. FFIN reviewed for Shariah compliance?

Tabadulat reviews First Financial Bankshares, Inc. FFIN for Shariah compliance every month. Each review applies the AAOIFI Shariah Standard No. 21 methodology, screening the company's business activities, non-permissible income, interest-bearing investments, interest-bearing debt, and preference shares, against the company's latest available financial data. The process operates under the direct supervision of Tabadulat's dedicated Shariah Supervisory Board of Islamic finance scholars. Because compliance depends on financial ratios that move with market capitalisation and reported results, a stock's status can change from one review to the next. Monthly screening ensures the status shown for First Financial Bankshares, Inc. reflects current financial data rather than an outdated assessment, and Tabadulat app users are notified if a holding in their portfolio becomes non-compliant.

Does First Financial Bankshares, Inc. FFIN pass the AAOIFI Non Permissible Income criteria?

No, as of August 2026, First Financial Bankshares, Inc. stock (FFIN) does not pass the AAOIFI non-permissible income screen. Under AAOIFI Shariah Standard No. 21, income from impermissible sources (such as interest or riba, conventional financial services, alcohol, gambling, or tobacco) must remain below 5% of a company's total revenue. First Financial Bankshares, Inc.'s income from non-permissible sources currently exceeds this 5% ceiling, which makes the stock non-compliant on this criterion regardless of how it performs on the other screens. The screen is reassessed monthly, so the status can change when the company releases new financial statements.

Does First Financial Bankshares, Inc. FFIN pass the AAOIFI Interest Bearing Investments criteria?

Yes, as of August 2026, First Financial Bankshares, Inc. stock (FFIN) passes the AAOIFI interest-bearing investments screen. Under AAOIFI Shariah Standard No. 21, the cash a company places in interest-earning instruments (such as conventional deposits, bonds, treasury bills and money-market funds) must remain below 30% of its market capitalisation. This limit ensures shareholders are not materially profiting from riba (interest). First Financial Bankshares, Inc.'s interest-bearing investments are currently within the 30% threshold. Because the ratio is measured against market capitalisation, it can move with the share price as well as the balance sheet, which is why Tabadulat rescreens the stock every month.

Does First Financial Bankshares, Inc. FFIN pass the AAOIFI Interest Bearing Debt criteria?

Yes, as of August 2026, First Financial Bankshares, Inc. stock (FFIN) passes the AAOIFI interest-bearing debt screen. Under AAOIFI Shariah Standard No. 21, a company's borrowings that accrue interest (conventional bank loans, bonds and similar riba-based financing) must remain below 30% of its market capitalisation. This cap limits shareholders' exposure to interest-based leverage. First Financial Bankshares, Inc.'s interest-bearing debt is currently within the 30% threshold. Because market capitalisation changes daily, a company's debt ratio can drift toward or away from the limit even without new borrowing, which is why this screen is reassessed every month.

What is the dividend purification factor for First Financial Bankshares, Inc. FFIN stock?

First Financial Bankshares, Inc. (FFIN) is currently classified as not Shariah compliant, so no dividend purification factor applies, because purification factors are calculated only for stocks that pass the AAOIFI screens. Purification (tazkiyah) is the practice of donating to charity the small portion of dividend income that stems from incidental non-permissible sources, such as interest earned on a compliant company's cash deposits. For non-compliant stocks the issue is not purification but eligibility: under AAOIFI Shariah Standard No. 21 the stock does not currently qualify as a halal investment. If First Financial Bankshares, Inc. returns to compliance in a future monthly screening, its purification factor will be published alongside its updated status in the Tabadulat app.

Does First Financial Bankshares, Inc. FFIN pass the AAOIFI Preference Share screen?

Yes, as of August 2026, First Financial Bankshares, Inc. stock (FFIN) passes the AAOIFI preference share screen. AAOIFI Shariah Standard No. 21 prohibits investing in preference shares because they grant holders guaranteed or priority rights to dividends and capital ahead of ordinary shareholders, a structure that conflicts with the Shariah principle that investors should share profit and loss in proportion to their ownership. First Financial Bankshares, Inc. has no impermissible preference share structure affecting its ordinary shares, so the stock is compliant on this criterion. Like all AAOIFI screens, this is verified in each monthly review.

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First Financial Bankshares, Inc.

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Shariah-Compliant

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FFIN

About

First Financial Bankshares, Inc.

FFIN

First Financial Bankshares Inc. is a prominent financial services company focused on providing a wide array of banking services through its network of community banks. Established in Texas, this regional bank is dedicated to meeting the financial needs of individuals, businesses, and public entities within its service areas. The company offers comprehensive products including traditional banking services like checking and savings accounts, commercial and personal loans, and mortgage products. Its role extends to providing tailored financial solutions, such as wealth management, trust services, and investment advisory services, catering to a diversified client base. Known for its robust financial performance and commitment to community engagement, First Financial Bankshares Inc. plays a crucial role in supporting regional economic development and providing personalized financial counsel. Its strategic positioning in community banking reflects its emphasis on customer service and local economic integration, making it a significant player in the regional banking sector.

Sector:

Financial Services

Industry:

Banks - Regional

Employees:

1400

Website:

https://www.ffin.com

FFIN

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First Financial Bankshares, Inc.

About

First Financial Bankshares, Inc.

FFIN

Frequently asked questions

Is First Financial Bankshares, Inc. FFIN stock halal to invest in?

How often is First Financial Bankshares, Inc. FFIN reviewed for Shariah compliance?

Does First Financial Bankshares, Inc. FFIN pass the AAOIFI Non Permissible Income criteria?

Does First Financial Bankshares, Inc. FFIN pass the AAOIFI Interest Bearing Investments criteria?

Does First Financial Bankshares, Inc. FFIN pass the AAOIFI Interest Bearing Debt criteria?

What is the dividend purification factor for First Financial Bankshares, Inc. FFIN stock?

Does First Financial Bankshares, Inc. FFIN pass the AAOIFI Preference Share screen?

Can I buy First Financial Bankshares (FFIN) stock on Tabadulat?

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