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FFIN

First Financial Bankshares, Inc.

FFIN

First Financial Bankshares, Inc. • NASDAQ
$31.24 ▲ 0.00% (+0.00)
Market Cap $4.47 B
52w High $41.89
52w Low $29.80
Dividend Yield 0.74%
P/E 18.49
Volume 273.69K
Outstanding Shares 143.00M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $210.224M ▲ $69.934M ▼ $52.267M ▼ 24.863% ▼ $0.37 ▼ $67.033M ▼
Q2-2025 $205.683M ▲ $71.735M ▲ $66.658M ▲ 32.408% ▲ $0.47 ▲ $84.698M ▲
Q1-2025 $193.674M ▲ $66.669M ▲ $61.346M ▼ 31.675% ▼ $0.43 ▼ $78.656M ▼
Q4-2024 $193.321M ▲ $66.65M ▲ $62.321M ▲ 32.237% ▲ $0.44 ▲ $79.495M ▲
Q3-2024 $188.848M $62.54M $55.308M 29.287% $0.39 $70.808M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q2-2025 $3.396B ▼ $14.377B ▲ $12.639B ▲ $1.737B ▲
Q1-2025 $3.401B ▲ $14.312B ▲ $12.632B ▲ $1.68B ▲
Q4-2024 $1.052B ▼ $13.979B ▲ $12.373B ▲ $1.607B ▼
Q3-2024 $5.196B ▲ $13.583B ▲ $11.921B ▲ $1.662B ▲
Q2-2024 $4.94B $13.164B $11.645B $1.519B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $66.658M ▲ $61.275M ▼ $-223.108M ▼ $-56.86M ▼ $-218.693M ▼ $58.703M ▼
Q1-2025 $61.346M ▼ $76.826M ▼ $-142.396M ▲ $229.212M ▼ $163.642M ▼ $74.711M ▼
Q4-2024 $62.321M ▲ $84.471M ▲ $-336.553M ▼ $431.831M ▲ $179.749M ▼ $79.697M ▲
Q3-2024 $55.308M ▲ $80.716M ▲ $-108.904M ▲ $242.475M ▲ $214.287M ▲ $77.662M ▲
Q2-2024 $52.485M $68.811M $-221.91M $-77.685M $-230.784M $63.831M

Revenue by Products

Product Q2-2018Q3-2018Q4-2018Q1-2019
Deposit Account
Deposit Account
 $10.00M ▲$10.00M ▲$10.00M ▲$10.00M ▲
Fiduciary and Trust
Fiduciary and Trust
 $10.00M ▲$10.00M ▲$10.00M ▲$10.00M ▲
Mortgage Banking
Mortgage Banking
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement First Financial Bankshares shows a business that has grown steadily over the past several years while keeping its profitability relatively stable. Revenue has risen at a healthy pace, and core profit measures have held up well, which suggests the bank is managing costs and credit quality reasonably effectively. Earnings per share did soften in the middle of the period but have since recovered, although they remain a bit below the recent peak. Overall, this points to a mature, profitable regional bank that has navigated a changing interest-rate and credit environment without major swings in performance.

Balance Sheet

Balance Sheet The balance sheet looks conservative and fairly resilient. Total assets have grown over time, which fits with a bank that is expanding its footprint and loan book. Cash levels move around year to year but remain solid, giving the bank flexibility. Debt, after rising earlier in the period, has been brought down, which reduces funding risk and interest burden. Equity has trended upward, apart from a brief dip, indicating that the bank is retaining earnings and maintaining a strong capital cushion. Altogether, it suggests a generally well-capitalized institution with room to absorb shocks.

Cash Flow

Cash Flow Cash generation is a clear strength. Operating cash flow has been consistently positive and broadly in line with reported profits, which signals that earnings are backed by real cash, not accounting oddities. Free cash flow is also solid, helped by modest capital spending needs, which is typical for a bank that does not require heavy physical investment to grow. This pattern gives management flexibility for dividends, acquisitions, and balance sheet strengthening, and indicates a business model that converts income into cash reliably over time.

Competitive Edge

Competitive Edge First Financial operates as a scaled community bank with a strong local franchise, especially in Texas. Its edge comes from a loyal, low-cost deposit base, which gives it cheaper funding than many peers, and from a long track record of disciplined expense control. The “one bank, multiple regions” structure lets it behave like a large bank operationally while still offering local decision-making and personal relationships, which can be hard for bigger national rivals to replicate. At the same time, it faces the usual pressures on regional banks: competition from large national players, digital-only banks, and sensitivity to local economic conditions and interest-rate cycles.

Innovation and R&D

Innovation and R&D While it does not do traditional R&D like a tech company, First Financial has leaned into technology partnerships and digital tools to modernize its business. Its work with Q2 and the associated innovation platform allows it to plug into new fintech services quickly rather than building everything internally. The bank offers robust mobile and online features for consumers and businesses, and is investing in treasury and cash management capabilities that appeal to commercial clients. A newer technology leadership team signals that digital evolution remains a priority. The main innovation risk is execution: staying current with customer expectations and security needs while integrating new tools smoothly across a community-bank footprint.

Summary

Overall, First Financial Bankshares appears to be a steady, conservatively managed regional bank combining traditional relationship banking with meaningful digital investment. Financial results show consistent profitability, solid capital, and dependable cash flow, rather than rapid or volatile growth. Its competitive strengths lie in low-cost deposits, efficiency, and a long-standing community presence, supported by a thoughtful use of technology and selective acquisitions. Key things to watch going forward include how it manages interest-rate cycles, credit quality in its regional markets, competition from larger and digital players, and its ability to keep enhancing digital offerings without losing the personal touch that underpins its franchise.

NEWS

October 23, 2025 · 4:05 PM UTC

FIRST FINANCIAL BANKSHARES ANNOUNCES THIRD QUARTER 2025 EARNINGS

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October 22, 2025 · 4:05 PM UTC

FIRST FINANCIAL BANK ANNOUNCES THE ELECTION OF TIM BROWN AS CHIEF INFORMATION OFFICER AND TRANSITION OF JOHN RUZICKA TO CHIEF BANKING OPERATIONS OFFICER

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October 10, 2025 · 4:23 PM UTC

FIRST FINANCIAL BANK TO PARTICIPATE IN THE TEXAS BANKERS ASSOCIATION'S FIRST STATEWIDE DAY OF SERVICE

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