First Financial Bankshares, Inc.

First Financial Bankshares, Inc.

FFIN
First Financial Bankshares, Inc.US flagNASDAQ Global Select
32.64
USD
+0.47
- -
4.68BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
1.79
1.98
2.19
2.3
2.41
2.7
2.85
3.36
3.51
3.65
3.35
3.76
4.31
4.44
Basic EPS, GAAP
0.62
0.7
0.77
0.79
0.91
1.11
1.22
1.42
1.6
1.64
1.39
1.56
1.77
1.84
Free Cash Flow per Basic Share
0.77
0.89
0.71
1.06
1.33
1.25
1.43
1.37
2.36
2.16
1.88
2.05
2
2.16
Dividend per Share
0.19
0.27
0.3
0.34
0.37
0.4
0.45
0.5
0.56
0.64
0.7
0.72
0.74
0.75
Book Value per Share
2.16
2.57
2.99
3.39
3.92
4.49
5.23
5.9
6.91
7.88
8.56
9.39
10.4
10.7
Tangible Book Value per Share
3.85
4.56
5.09
5.26
5.91
6.5
7.77
9.57
10.14
6.66
8.3
9.05
11.21
11.39
Basic Weighted Avg Shares
127
128
130
132
132
135
136
142
142
143
143
143
143
143
Sales/Revenue/Turnover
228
253
284
304
319
364
387
478
500
520
478
537
617
635
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
9
9
11
12
13
13
12
13
13
13
13
13
14
14
Net Income, GAAP
79
90
100
105
120
151
165
202
228
234
199
224
254
264
Effective Tax Rate (%)
24.58
24.48
23.85
22.92
18.22
15.46
16.78
16.64
16.33
16.52
18.22
17.78
18.1
18.15
Profit Margin (%)
34.63
35.37
35.39
34.49
37.69
41.33
42.59
42.29
45.55
45.11
41.62
41.62
41.09
41.52
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
1
299
75
- -
55
- -
- -
21
21
21
121
21
21
Total Equity
588
682
805
838
923
1,053
1,227
1,678
1,759
1,266
1,499
1,607
1,917
1,944
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
31.39
29.71
27.99
25.07
24.94
26.77
25.04
26.12
24.99
22.26
16.98
17.45
17.93
18.14

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
21
21
21
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
142
142
142
Market Capitalization
4,812
4,273
4,215

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
3,564
3,842
921
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
27
27
27
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.33%
4.34%
19.34%
Free Cash Flow
14.81%
11.73%
-2.36%
Net Income, GAAP
10.27%
5.26%
13.45%
Sales/Revenue/Turnover
8.38%
5.57%
14.91%
Total Cash Common Dividend
10.67%
8.67%
3%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
126
131
136
144
537
2025
145
153
158
161
617
2026
164
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.37
0.37
0.39
0.44
1.56
2025
0.43
0.47
0.37
0.51
1.77
2026
0.5
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.18
0.18
0.18
0.18
0.72
2025
0.18
0.18
0.19
0.19
0.74
2026
0.19
- -
- -
- -
- -

Company Description

APIChat
CEO
David W. Bailey
Full Time Employees
1,400
Sector
Financial Services
Industry
Banks - Regional
Address
400 Pine Street Abilene TX United States of America 79601
IPO Date
Nov 1, 1993
Website
ffin.com
Business
First Financial Bankshares, Inc. (NASDAQ: FFIN) is a financial holding company headquartered in Abilene, Texas, that operates through its wholly-owned subsidiary, First Financial Bank, providing a comprehensive range of commercial banking, personal banking, mortgage lending, and wealth management services primarily in Texas. The company offers deposit products including checking accounts, savings accounts, and certificates of deposit; consumer and commercial lending such as auto loans, equity loans, home loans, mortgage loans, and commercial real estate loans; online and mobile banking platforms; debit and credit card services; trust and asset management through First Financial Trust & Asset Management Company, overseeing approximately $12 billion in assets; and additional services encompassing investment management, retirement plans, gain on sale and fees on mortgage loans, debit card fees, and specialized advice related to lending, investing, purchasing, advertising, public relations, and technology. With origins tracing back to 1890 through the Farmers and Merchants National Bank in Abilene and formally established as the holding company in 1983, First Financial Bankshares maintains over 80 banking locations across Texas communities including Abilene, Sweetwater, San Angelo, Stephenville, and others such as Lumberton, Odessa, and Weatherford, alongside nine trust locations and operations via First Technology Services, Inc. In recent developments, the company reports strong growth as of third quarter 2025, with total assets reaching $14.3 billion, loans at $7.9 billion, deposits at $12.5 billion, and trust assets at $10.9 billion, alongside core deposit and repurchase agreement growth of $250.45 million annualized and trust fee income rising 10.74% year-over-year to $12.95 million due to expanded assets under management. First Financial Bankshares renewed its stock repurchase plan in July 2025, authorizing the buyback of up to 5 million shares (approximately 3.5% of outstanding shares) through July 31, 2026, underscoring its robust capital position amid industry challenges. The company also continues to emphasize loan and deposit expansion, improved net interest margins, and operational efficiencies, with second quarter 2025 earnings growth exceeding 27% year-over-year driven by healthy balance sheet expansion and elevated trust revenues.

Company News

APIChat
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  • Cwm LLC Sells 17,124 Shares of First Financial Bankshares, Inc. $FFIN

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  • FIRST FINANCIAL BANKSHARES NAMED THE #5 TOP-PERFORMING PUBLIC BANK IN THE NATION BY S&P GLOBAL MARKET INTELLIGENCE

  • FIRST FINANCIAL BANK ANNOUNCES GREATER HOUSTON LEADERSHIP APPOINTMENTS

  • First Financial Bankshares (FFIN) Surpasses Q1 Earnings and Revenue Estimates

  • FIRST FINANCIAL BANKSHARES ANNOUNCES FIRST QUARTER 2026 EARNINGS

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  • Phocas Financial Corp. Acquires Shares of 117,686 First Financial Bankshares, Inc. $FFIN

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  • Fieldview Capital Management LLC Invests $748,000 in First Financial Bankshares, Inc. $FFIN

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  • First Financial Bankshares (NASDAQ:FFIN) Hits New 1-Year Low – Here’s What Happened

  • First Financial Bankshares, Inc. $FFIN Stake Boosted by Ameritas Advisory Services LLC