greeksoup/ stock research
Stock research / United States / FFIN · State Commercial Banks · Nasdaq

First Financial Bankshares Inc. (FFIN)

Compare with another name

First Financial Bankshares Inc. (FFIN) reported revenue of $173 million for Q2 FY2026, the quarter ended 30 June 2026, up 10.3% on the same quarter a year earlier. Net income was $72 million, up 7.9% on the year, and diluted earnings per share $0.50. The figures are the company's own, from the 10-Q it filed with the SEC on 4 August 2026.

Revenue$173 millionup 10.3%
Net income$72 millionup 7.9%
Diluted EPS$0.50
QuarterQ2 FY2026ended 30 June 2026

First Financial Bankshares (FFIN) in brief

First Financial Bankshares (FFIN) reported revenue of $632 million for fiscal 2025, the year ended 31 December 2025, up 14.7% on the year before.
Read moreNet income was $254 million and diluted earnings per share $1.77. Revenue was $551 million in fiscal 2024, $492 million in fiscal 2023, $533 million in fiscal 2022 and $513 million in fiscal 2021. Net income in the same years was $224 million, $199 million, $234 million and $228 million. Over the twelve months to 30 June 2026, First Financial Bankshares reported revenue of $666 million and net income of $269 million. Revenue grew 5.2% a year, compounded, over the five years to fiscal 2025. First Financial Bankshares declared $0.75 a share in dividends over the last four quarters and had 143 million shares outstanding at the latest filed count. At the close of 8 October 2026 the market cap of First Financial Bankshares was $4.5 billion, 16.8 times its earnings over the last twelve months.

Ratios

From the filings

ROE13.5%
Net margin40.4%
Debt to equity0.45
Share count, 1 year0.2%
Sales CAGR, 3 years5.8%
Profit CAGR, 3 years2.6%
EPS, TTM$1.87

At the close of 8 October 2026

Price$31.43
Market cap$4.5 billion
Stock P/E16.81
Price to book2.26
EV / EBITDAn/a
Dividend yield2.4%
Market cap / sales6.77
52-week high$36.50
52-week low$28.59
Price, 1 year-5.9%
Price CAGR, 3 years8.7%
Price CAGR, 5 years-7.9%
Worked from the filed figures; hover a name for the formula.
Read moreThe priced ones use the latest daily close from SimFin. Debt to equity here stands on the total debt First Financial Bankshares Inc. states in its own filing, at the balance sheet of 31 December 2018, the latest that carries it, with lease liabilities counted separately and never inside it. First Financial Bankshares Inc. files on the bank format, which does not report a return on capital employed, an operating margin or interest cover, so those are left out here rather than shown as a blank. Free cash flow margin and cash conversion are left out too, by our choice: a bank's operating cash flow moves with its lending and deposits, so neither ratio means for a bank what it means for an operating company. Nothing here is a valuation or a view.
FFINgreeksoup.ai
Daily closes to 8 October 2026, adjusted for splits; prices from SimFin.
Read moreDay by day for the last three years; before that one point a week, carrying the week's last close and its average daily volume, so a volume bar means the same thing across the whole series; the bars sit under the price on their own scale, on the right. The moving averages need consecutive days and are drawn from the daily part. P/E is the close over the trailing four quarters' EPS as filed at each filing date, on the current share count; the dashed line is the median over the range shown. Sales and margin are quarterly revenue and the operating margin from the tables above. EV/EBITDA, price to book and market cap to sales use the latest filed balance sheet and share count at each date. Before the quarters on file begin, P/E, price to book and market cap to sales stand on each annual report from the day it was filed. Drawn in your browser; the range and overlay you pick are remembered here only.

The public record on FFIN

Filings14 in twelve months: 8 current reports (8-K), about 3 results of operations; 3 regulation fd disclosure; 1 other events; 1 shareholder vote; 1 acquisition or disposition completed
Planned insider sales1 Form 144 notice in twelve months, $527,850; latest 17 August 2026
Options tapeput/call 0.11 by open interest at the 8 October 2026 close; the straddle prices a 12.2% move to 16 October 2026
13F holders7 of the followed funds hold it; largest Geode Capital Management; 2 Schedule 13D or 13G filings in twelve months
Insider trading1 sale and 21 purchases on Form 4 in twelve months
Congress0 House trades disclosed in six months
Short interest9.0 million shares short, 13.95 days to cover at 15 September 2026
Documentsthe 10-K, the 10-Qs, the proxy and 3 earnings press releases, each linked

Quarterly results, the last 12 quarters

Q3 FY2023Q4 FY2023 *Q1 FY2024Q2 FY2024Q3 FY2024Q4 FY2024 *Q1 FY2025Q2 FY2025Q3 FY2025Q4 FY2025 *Q1 FY2026Q2 FY2026
Revenue122119130135139147149157161165167173
Interest expense41.244.749.350.4n/an/an/an/an/an/an/an/a
Pre-tax income60.456.064.963.667.376.075.281.763.289.587.887.5
Tax rate18%18%18%18%18%18%18%18%17%18%19%18%
Net income49.646.053.452.555.362.361.366.752.373.371.571.9
Net margin41%38%41%39%40%42%41%43%32%45%43%42%
Diluted EPS$0.35$0.31$0.37$0.37$0.39$0.43$0.43$0.47$0.36$0.51$0.50$0.50
Operating cash flow73.158.775.668.880.784.576.861.386.574.910283.7
Capital expenditure4.43.93.95.03.14.82.12.62.86.04.18.5
Free cash flow68.754.971.763.877.779.774.758.783.768.997.575.2
Dividends paid25.725.725.725.725.725.725.825.827.227.327.227.2
Shares outstanding143m143m143m143m143m143m143m143m143m143m143m143m
Filing10-Q10-K10-Q10-Q10-Q10-K10-Q10-Q10-Q10-K10-Q10-Q
Each quarter as filed, linked to its filing.
Read more* The fourth quarter is the full year less the first three quarters, because the company files the year and not the quarter on its own. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.

Income statement (profit and loss), 12 fiscal years and the trailing twelve months

FY2014FY2015FY2016FY2017FY2018 †FY2019 †FY2020FY2021 †FY2022 †FY2023FY2024FY2025TTM
Revenue261291312328375398490513533492551632666
Interest expense4.24.15.59.318.930.114.26.031.4144n/an/an/a
Pre-tax income119132136147178198242272281243272310328
Income tax29.031.431.226.827.533.240.344.446.444.348.356.059.0
Effective tax rate24.5%23.8%22.9%18.2%15.5%16.8%16.6%16.3%16.5%18.2%17.8%18.1%18.0%
Net income89.6100105120151165202228234199224254269
Net margin34.3%34.5%33.6%36.7%40.2%41.5%41.2%44.4%44.0%40.5%40.6%40.1%40.4%
Diluted EPS$0.69$0.77$0.80$0.91$1.11$1.21$1.42$1.59$1.64$1.39$1.56$1.77$1.87
Filing10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K
From each year's 10-K, linked; TTM is the last four quarters.
Read moreFree cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Those four are arithmetic on the filed numbers; everything else is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and share counts are as they are. † The year as the company last restated it in a later filing; rest on a figure for the one first filed. EPS is as filed.

Cash flow and capital returned

Follow the cashA discounted cash flow: five years of free cash flow, added up in today's moneyNot for First Financial Bankshares: a bank's lending and deposits run through its operating cash flow, so its free cash flow swings with the balance sheet rather than with what the bank earns. Book value and return on equity, in the ratios above, are the usual measures for it.

FY2014FY2015FY2016FY2017FY2018 †FY2019 †FY2020FY2021 †FY2022 †FY2023FY2024FY2025TTM
Operating cash flow131109161190186202211355324285310299347
Capital expenditure17.417.420.414.217.68.716.419.215.817.316.713.421.4
Free cash flow11491.7140176169194194336308268293286325
Cash from investingn/an/a-252-398-273-448-1,262-2,612-838127-737-1,016-1,045
Cash from financingn/an/a74.8324-36.82791,4982,058316-2066541,031571
Depreciation and amortisation9.311.111.612.912.511.712.813.112.812.613.413.714.3
Share-based compensation0.70.60.91.71.51.51.43.24.04.34.96.95.2
Dividends paid34.638.844.949.053.961.170.379.791.3100.0103106109
Dividend per share$0.28$0.31$0.35$0.38n/a$0.47$0.51$0.58$0.66$0.71$0.72$0.75n/a
Diluted shares, weighted129m130m132m133m136m136m143m143m143m143m143m143m144m
Shares outstanding at period endn/an/an/an/an/an/an/an/an/an/an/an/a143m
Filing10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K
Cash paid in the year, from the cash flow statement.
Read moreThe dividend per share is as declared. Diluted shares are the weighted average for the year; a falling count is the buybacks net of issuance. TTM sums the last four quarters; the share counts are the latest quarter's.

Balance sheet at year end

FY2014FY2015FY2016FY2017FY2018 †FY2019 †FY2020FY2021 †FY2022 †FY2023FY2024FY2025TTM
Funded by
Shareholders' equity6828058389231,0531,2271,6781,7591,2661,4991,6071,9171,997
Deposits4,7505,1905,4795,9636,1806,6048,67610,56611,00611,13812,09913,34613,120
Short-term borrowingsn/an/an/an/an/a38143067123.722.213621.721.8
Debt367616446331469n/an/an/an/an/an/an/an/a
Other liabilities49.354.247.738.029.549.9120106679446138162168
Total liabilities and equity5,8486,6656,8107,2557,7328,26210,90413,10212,97413,10613,97915,44615,306
Owned
Fixed assets103116123124133131142150153152152150156
Goodwill94.9140140140172172313313313313313313n/a
Investmentsn/an/an/an/an/an/a5,1715,3896,4427,149n/an/an/a
Securities held for sale or to maturity0.42,7342,8613,0873,1593,413n/an/an/an/a4,6185,5145,676
Loansn/a3,2753,3123,4373,9024,1425,1045,3266,3667,060n/an/an/a
Cash and equivalentsn/an/an/an/an/an/a7295293315377631,078580
Other assets5,650400375466366404n/a1,396n/an/a8,1338,3918,895
Total assets5,8486,6656,8107,2557,7328,26210,90413,10212,97413,10613,97915,44615,306
Filing10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K
At the fiscal year end; the TTM column is the latest quarter end.
Read moreBoth totals are the company's own. Other liabilities is the filed total less the rows above it: payables, deferred revenue, taxes, borrowings the rows above do not carry and the rest; other assets is the same on the other side. Investments add the current and non-current lines as filed. Debt is the company's own stated total where it files one, otherwise its long-term debt with the current maturities, never parts added together. A row is left blank in a year where the lines shown overlap and the remainder would fall below nil.

Compounded growth

10 years5 years3 yearsTTM
Sales growth, compounded8.1%5.2%5.8%12.4%
Profit growth, compounded9.7%4.6%2.6%9.5%
Return on equity, average13.7%14.4%13.5%13.2%
Yearly growth, compounded; TTM is the last four quarters against the four before.
Read moreReturn on equity is net income over shareholders' equity at each year end, averaged over the window (the TTM column is the latest year alone); equity is the parent's shareholders' equity as tagged in the 10-K. Arithmetic on filed numbers, nothing forecast.

Peers: Banking

CompanyMarket capP/EROEOp. marginSales growth
TTM
Debt to equityDiv. yield
Itaú Unibanco Holding S.A. ITUB *$108.4 billionn/a21.9%n/a-0.2%n/an/a
Bank of Nova Scotia BNS *$107.8 billion21.939.0%n/a12.1%n/a3.9%
Bank of New York Mellon Corp. BNY$96.8 billion16.6114.1%n/a10.6%0.681.4%
State Street Corp. STT$48.1 billion15.4512.2%n/a12.3%0.911.8%
Fifth Third Bancorp FITB$46.0 billion17.366.8%n/a23.8%0.513.0%
Banco Bradesco S.A. BBD *$45.9 billionn/a13.3%n/an/a0.224.6%
M&T Bank Corp. MTB$31.4 billion11.5210.9%n/a5.8%0.492.6%
Northern Trust Corp. NTRS$30.8 billion14.4016.7%n/a15.1%n/a1.8%
Citizens Financial Group Inc. CFG$27.1 billion13.908.1%n/a11.0%0.582.7%
East West Bancorp Inc. EWBC$17.3 billion12.1415.6%n/a13.7%0.001.9%
Ally Financial Inc. ALLY$11.5 billion8.889.4%n/a11.5%1.103.2%
SouthState Bank Corp. SSB$9.8 billion10.5810.4%n/a25.2%0.052.3%
All 67 in Banking
CompanyMarket capP/EROEOp. marginSales growth
TTM
Debt to equityDiv. yield
JPMorgan Chase & Co. JPM$881.0 billion14.2017.4%n/a13.5%1.231.8%
Bank of America Corp. BAC$376.2 billionn/an/an/an/a1.132.1%
HSBC Holdings plc HSBC *$318.1 billion15.4410.6%41.0%3.7%n/a4.2%
Royal Bank of Canada RY *$267.8 billion19.3714.6%n/a16.1%n/an/a
Mitsubishi UFJ Financial Group Inc. MUFG *$253.7 billion23.488.8%34.1%22.6%n/a2.2%
Wells Fargo & Company WFC$248.4 billion11.9412.5%n/a6.2%1.012.1%
Citigroup Inc. C$224.1 billion13.838.4%n/a10.0%1.571.9%
American Express Co. AXP$208.0 billion18.7033.4%n/a10.7%1.661.1%
Banco Santander, S.A. SAN *$198.0 billion13.3012.5%n/a0.5%n/a1.9%
Toronto-Dominion Bank TD *$192.3 billion14.0415.6%n/a18.4%n/a2.8%
Banco Bilbao Vizcaya Argentaria, S.A. BBVA *$149.4 billion13.2117.0%43.7%4.1%n/a3.2%
Mizuho Financial Group Inc. MFG *$130.3 billion18.0610.7%n/a38.1%n/a1.9%
Capital One Financial Corp. COF$122.3 billion12.349.2%n/a45.3%0.391.5%
Bank of Montreal BMO *$113.9 billion20.029.9%n/a10.6%n/a3.2%
HDFC Bank Limited HDB *$112.9 billion15.448.6%n/a5.2%n/a2.2%
Itaú Unibanco Holding S.A. ITUB *$108.4 billionn/a21.9%n/a-0.2%n/an/a
Bank of Nova Scotia BNS *$107.8 billion21.939.0%n/a12.1%n/a3.9%
Canadian Imperial Bank of Commerce CM *$100.4 billion18.0213.1%n/a13.8%n/a2.8%
ING Groep N.V. ING *$97.0 billion10.6815.4%n/an/an/a4.5%
Sumitomo Mitsui Financial Group, Inc. SMFG *$96.9 billion13.496.2%n/a26.1%0.583.7%
Bank of New York Mellon Corp. BNY$96.8 billion16.6114.1%n/a10.6%0.681.4%
U.S. Bancorp USB$88.9 billion11.3812.1%n/a6.7%0.873.6%
PNC Financial Services Group, Inc. PNC$87.6 billion12.0911.5%n/a13.2%1.343.0%
Barclays plc BCS *$79.7 billion10.279.2%n/a8.8%n/a2.1%
Lloyds Banking Group plc LYG *$79.6 billion14.739.8%n/a7.9%n/a3.3%
Nu Holdings Ltd. NU *$74.7 billion26.3125.4%n/a37.0%0.39n/a
NatWest Group plc NWG *$70.5 billion9.6112.9%n/a13.2%n/a4.4%
Truist Financial Corp. TFC$56.4 billion10.578.6%n/a4.1%0.674.5%
State Street Corp. STT$48.1 billion15.4512.2%n/a12.3%0.911.8%
Fifth Third Bancorp FITB$46.0 billion17.366.8%n/a23.8%0.513.0%
Banco Bradesco S.A. BBD *$45.9 billionn/a13.3%n/an/a0.224.6%
Coinbase Global, Inc. COIN$45.4 billionn/a-7.6%9.9%-10.4%0.45n/a
KB Financial Group Inc. KB *$43.8 billion10.769.9%47.5%5.4%n/a2.1%
ORIX Corporation IX *$41.2 billionn/a10.0%13.7%15.9%n/a2.8%
Shinhan Financial Group Co. Ltd. SHG *$36.0 billion10.348.6%n/an/a0.962.5%
M&T Bank Corp. MTB$31.4 billion11.5210.9%n/a5.8%0.492.6%
Huntington Bancshares Inc. HBAN$31.1 billion11.917.4%n/a26.4%0.574.0%
Northern Trust Corp. NTRS$30.8 billion14.4016.7%n/a15.1%n/a1.8%
Citizens Financial Group Inc. CFG$27.1 billion13.908.1%n/a11.0%0.582.7%
Synchrony Financial SYF$24.0 billion7.5520.8%n/a0.3%0.971.6%
Regions Financial Corp. RF$23.1 billion11.0511.8%n/a4.4%0.253.8%
Keycorp KEY$21.4 billion11.6910.3%n/a51.6%0.554.1%
East West Bancorp Inc. EWBC$17.3 billion12.1415.6%n/a13.7%0.001.9%
Pinnacle Financial Partners, Inc. PNFP$14.3 billion14.075.2%n/an/a0.411.6%
Ally Financial Inc. ALLY$11.5 billion8.889.4%n/a11.5%1.103.2%
First Horizon Corp. FHN$11.0 billion11.1511.5%n/a10.3%n/a2.6%
UMB Financial Corp. UMBF$9.9 billion10.8611.7%n/a39.3%0.061.3%
SouthState Bank Corp. SSB$9.8 billion10.5810.4%n/a25.2%0.052.3%
Wintrust Financial Corp. WTFC$9.7 billion11.5812.0%n/a11.5%0.001.4%
Cullen/Frost Bankers, Inc. CFR$9.5 billion14.4014.8%n/a7.4%n/a2.6%
OLD National Bancorp ONB$9.5 billion10.9910.3%n/a34.1%0.602.3%
Zions Bancorporation, National Association ZION$9.2 billion7.9915.2%n/a-64.1%0.252.8%
Western Alliance Bancorporation WAL$8.2 billion8.5012.5%n/a19.7%0.192.2%
Columbia Banking System, Inc. COLB$8.1 billion11.379.4%n/a33.6%n/a5.2%
Valley National Bancorp VLY$7.0 billion10.818.8%n/a12.2%0.493.5%
Prosperity Bancshares Inc. PB$6.7 billion11.566.8%n/a13.3%0.281.7%
United Bankshares Inc. UBSI$6.2 billion12.459.3%n/a14.5%0.103.3%
FNB Corp. FNB$6.1 billion10.298.8%n/a11.8%0.292.8%
Hancock Whitney Corp. HWC$5.9 billion14.269.6%n/a-0.2%0.042.5%
Home Bancshares Inc. HOMB$5.7 billion11.7710.5%n/a7.1%0.962.8%
Glacier Bancorp, Inc. GBCI$5.6 billion17.617.2%n/a32.2%n/a3.1%
Associated Banc-Corp ASB$5.4 billion10.069.0%n/a45.6%1.013.2%
First Financial Bankshares Inc. FFIN$4.5 billion16.8113.5%n/a12.4%0.452.4%
SLM Corp. SLM$4.3 billion6.3329.7%n/a11.5%2.362.3%
International Bancshares Corp. IBOC$4.3 billion10.3212.2%n/a4.0%n/a2.0%
Texas Capital Bancshares Inc. TCBI$4.0 billion12.0310.0%n/a33.1%0.14n/a
Euronet Worldwide, Inc. EEFT$2.4 billion9.9923.4%11.5%5.8%2.16n/a
23 companies share its SEC industry code (State Commercial Banks); the rest are the names nearest in size in its wider industry, Banking, one of the Fama-French 48 industries, a published grouping of SEC industry codes.
Read moreBy market capitalisation; a click on a heading sorts by it, largest first, and a second click turns it round. Each figure is the same arithmetic as the ratio box above, on each company's own filings and latest close; a name marked * is a foreign company that files once a year, on its latest fiscal year.

Filings

FilingPeriodFiledWhere
10-Q30 June 20264 August 2026EDGAR
10-Q31 March 20265 May 2026EDGAR
10-K31 December 202525 February 2026EDGAR
10-Q30 September 20257 November 2025EDGAR
10-Q30 June 20251 August 2025EDGAR
10-Q31 March 20256 May 2025EDGAR
10-K31 December 202421 February 2025EDGAR
10-Q30 September 20244 November 2024EDGAR
10-Q30 June 202431 July 2024EDGAR
10-Q31 March 20243 May 2024EDGAR

The same record on your computer

GreekSoup is also a free program for your own computer. It reads these same filings for the names you follow, refreshed as they land, with no account. One pasted line installs it.

Install