CoverageForm 410-K10-Q8-K13D13G13F

FFIN · First Financial Bankshares Inc - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Price · FFIN

Income Statement

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenue------
Cost of Revenue------
Gross Profit------
R&D------
SG&A------
Total Operating Expenses------
D&A$11.33M$11.31M$10.84M$10.82M$10.50M$9.87M
Operating Income$309.60M$271.85M$243.30M$280.87M$271.97M$242.37M
Interest Expense--$144.26M$31.44M$6.04M$14.24M
Income Tax$56.02M$48.34M$44.32M$46.40M$44.41M$40.33M
Net Income$253.58M$223.51M$198.98M$234.47M$227.56M$202.03M
EPS - Basic$1.77$1.56$1.39$1.64$1.60$1.42
EPS - Diluted$1.77$1.56$1.39$1.64$1.59$1.42

Balance Sheet

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash & Equivalents$1.08B$763.41M$536.59M---
Accounts Receivable------
Inventory------
Accounts Payable------
Current Assets------
Total Assets$15.45B$13.98B$13.11B$12.97B$13.10B$10.90B
Current Liabilities------
Long-term Debt------
Total Liabilities$13.53B$12.37B$11.61B$11.71B$11.34B$9.23B
Stockholders' Equity$1.92B$1.61B$1.50B$1.27B$1.76B$1.68B
Retained Earnings$1.49B$1.34B$1.22B$1.12B$981.67M$466.0K

Cash Flow

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Operating Cash Flow$299.44M$309.64M$284.82M$323.94M$353.23M$210.67M
Investing Cash Flow($1.02B)($736.88M)$127.29M($838.00M)($2.61B)($1.26B)
Financing Cash Flow$1.03B$654.06M($206.20M)$316.15M$2.06B$1.50B
CapEx$13.44M$16.72M$17.25M$15.78M$19.20M$16.45M
Free Cash Flow$286.01M$292.92M$267.57M$308.16M$334.03M$194.22M

Ratios

MetricFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Profitability
Gross margin------
Operating margin------
EBITDA margin------
Net margin------
Free cash flow margin------
FCF / Net income1.131.311.341.311.470.96
R&D / Revenue------
SG&A / Revenue------
Effective tax rate18.1%17.8%18.2%16.5%16.3%16.6%
Return on assets1.6%1.6%1.5%1.8%1.7%1.9%
Return on equity13.2%13.9%13.3%18.5%12.9%12.0%
Return on invested capital------
Liquidity
Current ratio------
Quick ratio------
Cash ratio------
Leverage
Debt / Equity------
Debt / Assets------
Debt / EBITDA------
Interest coverage--1.7x8.9x45.0x17.0x
Equity multiplier8.068.708.7410.257.456.50
Liabilities / Assets0.880.890.890.900.870.85
Efficiency
Asset turnover------
Inventory turnover------
Days sales outstanding------
Days inventory outstanding------
Days payable outstanding------
Cash conversion cycle------
Valuation
P / E16.9x23.1x21.8x21.0x32.0x25.5x
P / B2.2x3.2x2.9x3.9x4.1x3.1x
P / S------
EV / EBITDA10.0x15.5x14.9x16.9x25.8x20.4x
Growth
Revenue growth (YoY)------
Revenue CAGR (3y)------
Revenue CAGR (5y)------
Gross profit growth (YoY)------
Operating income growth (YoY)13.9%11.7%-13.4%3.3%12.2%22.4%
Net income growth (YoY)13.5%12.3%-15.1%3.0%12.6%22.6%
EPS growth (YoY)13.5%12.2%-15.2%3.1%12.0%17.4%
EPS CAGR (3y)2.6%-0.6%-0.7%10.7%-10.5%-7.8%
EPS CAGR (5y)4.5%5.2%-8.9%-2.0%0.0%-1.6%
FCF growth (YoY)-2.4%9.5%-13.2%-7.7%72.0%-0.6%
FCF CAGR (5y)8.0%8.4%13.3%16.0%24.6%16.0%
Book value growth (YoY)19.3%7.2%18.4%-28.1%4.8%36.7%

Stability scores

Piotroski F-score

FY 2025 · 9-point quality

5/9
Neutral
  • Net income positive
  • Operating cash flow positive
  • ROA improved YoY
  • Cash flow > net income
  • -Long-term debt decreased
  • -Current ratio improved
  • No share dilution
  • -Gross margin improved
  • -Asset turnover improved

Peer comparison

Same SIC group: State Commercial Banks

CompanyRevenue (last FY)Net marginROE
ASB--9.5%
CZNC$5.98M392.0%6.9%
CBSH--14.9%
SBSI--8.2%
BUSE$719.58M18.8%5.5%

Comparing FIRST FINANCIAL BANKSHARES INC against the 5 most active filers in the same SIC group.

Dividends

$0.76/share trailing 12 months · +5.6% YoY

Ex-datePer share
Mar 13, 2026$0.1900
Dec 15, 2025$0.1900
Sep 15, 2025$0.1900
Jun 16, 2025$0.1900
Mar 14, 2025$0.1800
Dec 13, 2024$0.1800
Sep 12, 2024$0.1800
Jun 14, 2024$0.1800
Mar 14, 2024$0.1800
Dec 14, 2023$0.1800
Sep 13, 2023$0.1800
Jun 14, 2023$0.1800
Mar 10, 2023$0.1700
Dec 14, 2022$0.1700
Sep 14, 2022$0.1700
Jun 15, 2022$0.1700
Mar 15, 2022$0.1500
Dec 15, 2021$0.1500
Sep 15, 2021$0.1500
Jun 15, 2021$0.1500
Mar 15, 2021$0.1300
Dec 15, 2020$0.1300
Sep 15, 2020$0.1300
Jun 15, 2020$0.1300