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.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $87.83M | - | $63.16M | $81.74M | $75.16M | - | $67.34M | $63.64M | $64.88M | - |
| Interest Expense | - | - | - | - | - | - | - | $50.40M | $49.25M | - |
| Income Tax | $16.29M | - | $10.90M | $15.08M | $13.81M | - | $12.03M | $11.16M | $11.48M | - |
| Net Income | $71.54M | - | $52.27M | $66.66M | $61.35M | - | $55.31M | $52.48M | $53.40M | - |
| EPS - Basic | $0.50 | - | $0.37 | $0.47 | $0.43 | - | $0.39 | $0.37 | $0.37 | - |
| EPS - Diluted | $0.50 | - | $0.36 | $0.47 | $0.43 | - | $0.39 | $0.37 | $0.37 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $737.13M | $1.08B | $650.80M | $708.36M | $927.05M | $763.41M | $583.66M | $369.38M | $600.16M | $536.59M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $15.39B | $15.45B | $14.84B | $14.38B | $14.31B | $13.98B | $13.58B | $13.16B | $13.19B | $13.11B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $13.44B | $13.53B | $13.01B | $12.64B | $12.63B | $12.37B | $11.92B | $11.65B | $11.70B | $11.61B |
| Stockholders' Equity | $1.94B | $1.92B | $1.83B | $1.74B | $1.68B | $1.61B | $1.66B | $1.52B | $1.49B | $1.50B |
| Retained Earnings | $1.53B | $1.49B | $1.44B | $1.42B | $1.38B | $1.34B | $1.30B | $1.27B | $1.25B | $1.22B |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $101.64M | - | - | - | $76.83M | - | - | - | $75.64M | - |
| Investing Cash Flow | ($321.06M) | - | - | - | ($142.40M) | - | - | - | ($69.51M) | - |
| Financing Cash Flow | ($121.44M) | - | - | - | $229.21M | - | - | - | $57.44M | - |
| CapEx | $4.14M | - | - | - | $2.12M | - | - | - | $3.91M | - |
| Free Cash Flow | $97.50M | - | - | - | $74.71M | - | - | - | $71.73M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 1.36 | - | - | - | 1.22 | - | - | - | 1.34 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 18.5% | - | 17.3% | 18.4% | 18.4% | - | 17.9% | 17.5% | 17.7% | - |
| Return on assets | 0.5% | - | 0.4% | 0.5% | 0.4% | - | 0.4% | 0.4% | 0.4% | - |
| Return on equity | 3.7% | - | 2.9% | 3.8% | 3.7% | - | 3.3% | 3.5% | 3.6% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | 1.3x | 1.3x | - |
| Equity multiplier | 7.92 | 8.06 | 8.11 | 8.28 | 8.52 | 8.70 | 8.17 | 8.67 | 8.85 | 8.74 |
| Liabilities / Assets | 0.87 | 0.88 | 0.88 | 0.88 | 0.88 | 0.89 | 0.88 | 0.88 | 0.89 | 0.89 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 58.9x | - | 93.5x | 76.6x | 83.5x | - | 94.9x | 79.8x | 88.7x | - |
| P / B | 2.2x | - | 2.6x | 3.0x | 3.1x | - | 3.2x | 2.8x | 3.1x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 16.9% | - | -6.2% | 28.4% | 15.8% | - | 11.5% | 1.6% | 1.0% | - |
| Net income growth (YoY) | 16.6% | - | -5.5% | 27.0% | 14.9% | - | 11.6% | 3.2% | 1.6% | - |
| EPS growth (YoY) | 16.3% | - | -7.7% | 27.0% | 16.2% | - | 11.4% | 2.8% | 0.0% | - |
| EPS CAGR (3y) | 10.6% | - | -4.2% | 3.8% | 3.3% | - | -1.7% | -1.7% | -2.6% | - |
| EPS CAGR (5y) | 4.6% | - | -0.5% | 4.3% | - | - | 4.0% | 3.6% | 7.3% | - |
| FCF growth (YoY) | 30.5% | - | - | - | 4.2% | - | - | - | -19.9% | - |
| FCF CAGR (5y) | 0.9% | - | - | - | - | - | - | - | 22.6% | - |
| Book value growth (YoY) | 15.7% | 19.3% | 10.1% | 14.4% | 12.7% | 7.2% | 34.0% | 11.1% | 8.6% | 18.4% |
Peer comparison
Same SIC group: State Commercial Banks
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-date | Per 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 |