Head-To-Head Contrast: BM Technologies (NYSE:BMTX) & First Financial Bankshares (NASDAQ:FFIN)

First Financial Bankshares (NASDAQ:FFIN) and BM Technologies (NYSE:BMTX) are both finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their valuation, risk, profitability, institutional ownership, analyst recommendations, dividends and earnings.

Profitability

This table compares First Financial Bankshares and BM Technologies’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
First Financial Bankshares	28.76%	13.43%	1.56%
BM Technologies	-22.62%	-47.64%	-26.42%

Analyst Recommendations

This is a breakdown of recent ratings and target prices for First Financial Bankshares and BM Technologies, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Financial Bankshares	0	4	0	0	2.00
BM Technologies	0	2	2	0	2.50

First Financial Bankshares currently has a consensus target price of $40.00, indicating a potential upside of 11.08%. BM Technologies has a consensus target price of $6.70, indicating a potential upside of 37.30%. Given BM Technologies’ stronger consensus rating and higher probable upside, analysts plainly believe BM Technologies is more favorable than First Financial Bankshares.

Valuation and Earnings

This table compares First Financial Bankshares and BM Technologies”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Financial Bankshares	$636.07 million	8.09	$198.98 million	$1.45	24.83
BM Technologies	$57.66 million	1.02	-$17.33 million	($1.11)	-4.40

First Financial Bankshares has higher revenue and earnings than BM Technologies. BM Technologies is trading at a lower price-to-earnings ratio than First Financial Bankshares, indicating that it is currently the more affordable of the two stocks.

Insider & Institutional Ownership

69.8% of First Financial Bankshares shares are owned by institutional investors. Comparatively, 20.1% of BM Technologies shares are owned by institutional investors. 4.2% of First Financial Bankshares shares are owned by insiders. Comparatively, 8.4% of BM Technologies shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Volatility and Risk

First Financial Bankshares has a beta of 0.81, indicating that its share price is 19% less volatile than the S&P 500. Comparatively, BM Technologies has a beta of 0.17, indicating that its share price is 83% less volatile than the S&P 500.

Summary

First Financial Bankshares beats BM Technologies on 10 of the 14 factors compared between the two stocks.

About First Financial Bankshares

First Financial Bankshares, Inc., through its subsidiaries, provides commercial banking products and services in Texas. The company offers checking, savings and time deposits; automated teller machines, drive-in, and night deposit services; safe deposit facilities, remote deposit capture, internet banking, mobile banking, payroll cards, funds transfer, and performing other customary commercial banking services; securities brokerage services; and trust and wealth management services, including wealth management, estates administration, oil and gas management, testamentary trusts, revocable and irrevocable trusts, and agency accounts. It also provides commercial and industrial, municipal, agricultural, construction and development, farm, residential, and consumer auto and non-auto, as well as non-owner occupied and owner occupied commercial real estate loans. In addition, the company offers advisory and specialized services related to asset management, investing, purchasing, advertising, public relations, and technology services. First Financial Bankshares, Inc. was founded in 1890 and is headquartered in Abilene, Texas.

About BM Technologies

BM Technologies, Inc., a financial technology company, facilitates deposits and banking services between a customer and its partner banks in the United States. It offers digital banking and disbursement services to consumers and students through a full service fintech banking platform. The company was formerly known as BankMobile Technologies, Inc. and changed its name to BM Technologies, Inc. in January 2021. BM Technologies, Inc. was founded in 2015 and is headquartered in Wayne, Pennsylvania.