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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 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 item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 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 item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 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
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 1.13 | 1.31 | 1.34 | 1.31 | 1.47 | 0.96 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 18.1% | 17.8% | 18.2% | 16.5% | 16.3% | 16.6% |
| Return on assets | 1.6% | 1.6% | 1.5% | 1.8% | 1.7% | 1.9% |
| Return on equity | 13.2% | 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 | - | - | 1.7x | 8.9x | 45.0x | 17.0x |
| Equity multiplier | 8.06 | 8.70 | 8.74 | 10.25 | 7.45 | 6.50 |
| Liabilities / Assets | 0.88 | 0.89 | 0.89 | 0.90 | 0.87 | 0.85 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 16.9x | 23.1x | 21.8x | 21.0x | 32.0x | 25.5x |
| P / B | 2.2x | 3.2x | 2.9x | 3.9x | 4.1x | 3.1x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 10.0x | 15.5x | 14.9x | 16.9x | 25.8x | 20.4x |
| 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
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 |