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First Financial Bankshares, Inc.(FFIN)Earnings, Financials & Key Ratios
FFIN•NASDAQ•Banking & Credit
$32.22
$4.58B mkt cap·20.7× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutFirst Financial Bankshares, Inc., through its subsidiaries, provides commercial banking products and services in Texas. The company accepts checking, savings and money market accounts, and time deposits; commercial and industrial, municipal, agricultural, construction and development, farm, non-owner occupied and owner-occupied commercial real estate, residential, and consumer auto and non-auto loans to businesses, professional individuals, and farm and ranch operations. It also provides drive-in and night deposit, remote deposit capture, internet and mobile banking, payroll cards, transmitting funds, and other customary commercial banking services, as well as automated teller machines and safe deposit facilities. In addition, the company offers personal trust services, including wealth management, administration of estates, testamentary trusts, revocable and irrevocable trusts, and agency accounts; and securities brokerage services, as well as administer retirements and employee benefits accounts, such as 401(k) profit-sharing plans and IRAs. Further, the company provides asset management and technology services. As of December 31, 2021, it had 78 financial centers across Texas. First Financial Bankshares, Inc. was founded in 1890 and is headquartered in Abilene, Texas.Show more
- Net Interest Income$430M+11.4%
- Total Revenue$739M+18.8%
- Net Income$224M+12.3%
- Return on Equity14.39%
- Net Interest Margin3.07%+4.4%
- Efficiency Ratio34.01%-5.6%
- ROA1.65%+8.2%
- Equity / Assets11.49%+0.5%
- Book Value per Share11.22+7.0%
- Tangible BV/Share9.02+8.9%
- Debt/Equity0.12-54.5%
FFIN Key Insights
First Financial Bankshares, Inc. (FFIN) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 34.0% efficiency ratio
- ✓11 consecutive years of dividend growth
- ✓Well capitalized: 11.5% equity/assets
- ✓Healthy dividend yield of 2.2%
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
FFIN Price & Volume
First Financial Bankshares, Inc. (FFIN) stock price & volume — 10-year historical chart
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FFIN Growth Metrics
First Financial Bankshares, Inc. (FFIN) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years11.13%
5 Years12.13%
3 Years13.5%
TTM-
Profit CAGR
10 Years9.58%
5 Years6.28%
3 Years-0.6%
TTM17.1%
EPS CAGR
10 Years8.34%
5 Years5.21%
3 Years-0.63%
TTM16.55%
Return on Capital
10 Years15.95%
5 Years16.14%
3 Years16.67%
Last Year16.05%
FFIN Recent Earnings
First Financial Bankshares, Inc. (FFIN) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 2/12 qtrs (17%)
Q2 2026Latest
Apr 16, 2026EPS
$0.50
Est $0.47
+6.4%
Revenue
$167M
Est $166M
+0.3%
Q1 2026
Jan 22, 2026EPS
$0.51
Est $0.48
+6.3%
Revenue
$165M
Est $166M
-0.9%
Q4 2025
Oct 23, 2025EPS
$0.36
Est $0.43
-15.9%
Revenue
$158M
Est $162M
-2.9%
Q3 2025
Jul 17, 2025EPS
$0.47
Est $0.45
+4.4%
Revenue
$157M
Est $156M
+0.1%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 16, 2026 | $0.50vs $0.47+6.4% | $167Mvs $166M+0.3% |
| Q1 2026 | Jan 22, 2026 | $0.51vs $0.48+6.3% | $165Mvs $166M-0.9% |
| Q4 2025 | Oct 23, 2025 | $0.36vs $0.43-15.9% | $158Mvs $162M-2.9% |
| Q3 2025 | Jul 17, 2025 | $0.47vs $0.45+4.4% | $157Mvs $156M+0.1% |
Based on last 12 quarters of dataView full earnings history →
FFIN Peer Comparison
First Financial Bankshares, Inc. (FFIN) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 IBOC | 4.46B | 71.76 | 10.84 | 1.03% | 39.13% | 13.41% | 11.09% | 0.22 |
 BOKF | 10.38B | 134.76 | 16.56 | 10.4% | 15.57% | 8.91% | 13.78% | 0.80 |
 CVBF | 2.79B | 20.54 | 13.51 | -2.33% | 32.53% | 9.25% | 7.79% | 0.43 |
 UMBF | 9.98B | 131.06 | 14.35 | 68.52% | 15.81% | 11.67% | 9.8% | 0.49 |
 SFNC | 3.1B | 21.42 | -7.26 | -56.66% | -63.43% | -11.63% | 14.5% | 0.19 |
 TCBI | 4.45B | 100.68 | 14.81 | 13.54% | 16.52% | 9.93% | 7.81% | 0.26 |
 SBSI | 988.68M | 33.24 | 14.52 | -8.12% | 16.52% | 8.49% | 7.43% | 0.87 |
 HFBL | 58.42M | 19.00 | 15.08 | -2.88% | 12.02% | 9.28% | 9.29% | 0.07 |
Compare FFIN vs Peers
First Financial Bankshares, Inc. (FFIN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FFIN Income Statement
First Financial Bankshares, Inc. (FFIN) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 228.95M | 237.81M | 273.7M | 291.18M | 350.74M | 374.4M | 404.25M | 385.86M | 429.75M | 488.31M |
| NII Growth % | 4.74% | 3.87% | 15.09% | 6.39% | 20.45% | 6.75% | 7.97% | -4.55% | 11.37% | 74.96% |
| Net Interest Margin % | 3.36% | 3.28% | 3.54% | 3.52% | 3.22% | 2.86% | 3.12% | 2.94% | 3.07% | 3.29% |
| Interest Income | 234.4M | 247.1M | 292.63M | 321.28M | 364.98M | 380.44M | 435.69M | 530.13M | 631.93M | 688.07M |
| Interest Expense | 5.45M | 9.29M | 18.93M | 30.1M | 14.24M | 6.04M | 31.44M | 144.26M | 202.18M | 199.77M |
| Loan Loss Provision | 10.21M | 6.53M | 5.67M | 2.96M | 19.52M | -1.14M | 17.43M | 10.63M | 13.82M | 32.1M |
| Non-Interest Income | 74.83M | 81.57M | 90.77M | 95.77M | 126.96M | 125.18M | 115.57M | 92.19M | 107.29M | 114.83M |
| Non-Interest Income % | 24.2% | 24.82% | 23.68% | 22.96% | 25.81% | 24.76% | 20.96% | 14.81% | 14.51% | 14.3% |
| Total Revenue | 309.23M▲ 0% | 328.67M▲ 6.3% | 383.4M▲ 16.7% | 417.06M▲ 8.8% | 491.94M▲ 18.0% | 505.62M▲ 2.8% | 551.27M▲ 9.0% | 622.31M▲ 12.9% | 739.21M▲ 18.8% | 802.9M▲ 0% |
| Revenue Growth % | 7.46% | 6.29% | 16.65% | 8.78% | 17.96% | 2.78% | 9.03% | 12.89% | 18.79% | 55.21% |
| Non-Interest Expense | 157.63M | 165.67M | 180.63M | 185.96M | 215.81M | 228.75M | 221.53M | 224.12M | 251.37M | 274.99M |
| Efficiency Ratio | 50.98% | 50.4% | 47.11% | 44.59% | 43.87% | 45.24% | 40.18% | 36.01% | 34.01% | 34.25% |
| Operating Income | 135.93M▲ 0% | 147.19M▲ 8.3% | 178.18M▲ 21.1% | 198.03M▲ 11.1% | 242.37M▲ 22.4% | 271.97M▲ 12.2% | 280.87M▲ 3.3% | 243.3M▼ 13.4% | 271.85M▲ 11.7% | 296.05M▲ 0% |
| Operating Margin % | 43.96% | 44.78% | 46.47% | 47.48% | 49.27% | 53.79% | 50.95% | 39.1% | 36.78% | 36.87% |
| Operating Income Growth % | 3.12% | 8.28% | 21.05% | 11.14% | 22.39% | 12.21% | 3.27% | -13.38% | 11.73% | - |
| Pretax Income | 135.93M▲ 0% | 147.19M▲ 8.3% | 178.18M▲ 21.1% | 198.03M▲ 11.1% | 242.37M▲ 22.4% | 271.97M▲ 12.2% | 280.87M▲ 3.3% | 243.3M▼ 13.4% | 271.85M▲ 11.7% | 296.05M▲ 0% |
| Pretax Margin % | 43.96% | 44.78% | 46.47% | 47.48% | 49.27% | 53.79% | 50.95% | 39.1% | 36.78% | 36.87% |
| Income Tax | 31.15M | 26.82M | 27.54M | 33.22M | 40.33M | 44.41M | 46.4M | 44.32M | 48.34M | 53.46M |
| Effective Tax Rate % | 22.92% | 18.22% | 15.46% | 16.78% | 16.64% | 16.33% | 16.52% | 18.22% | 17.78% | 18.06% |
| Net Income | 104.77M▲ 0% | 120.37M▲ 14.9% | 150.64M▲ 25.1% | 164.81M▲ 9.4% | 202.03M▲ 22.6% | 227.56M▲ 12.6% | 234.47M▲ 3.0% | 198.98M▼ 15.1% | 223.51M▲ 12.3% | 242.59M▲ 0% |
| Net Margin % | 33.88% | 36.62% | 39.29% | 39.52% | 41.07% | 45.01% | 42.53% | 31.97% | 30.24% | 30.21% |
| Net Income Growth % | 4.38% | 14.89% | 25.14% | 9.41% | 22.58% | 12.64% | 3.04% | -15.14% | 12.33% | 17.1% |
| Net Income (Continuing) | 104.77M | 120.37M | 150.64M | 164.81M | 202.03M | 227.56M | 234.47M | 198.98M | 223.51M | 242.59M |
| EPS (Diluted) | 0.80▲ 0% | 0.91▲ 13.7% | 1.11▲ 22.0% | 1.21▲ 9.0% | 1.42▲ 17.4% | 1.59▲ 12.0% | 1.64▲ 3.1% | 1.39▼ 15.2% | 1.56▲ 12.2% | 1.69▲ 0% |
| EPS Growth % | 3.9% | 13.75% | 21.98% | 9.01% | 17.36% | 11.97% | 3.14% | -15.24% | 12.23% | 16.55% |
| EPS (Basic) | 0.80 | 0.91 | 1.11 | 1.22 | 1.42 | 1.60 | 1.64 | 1.39 | 1.56 | - |
| Diluted Shares Outstanding | 132.21M | 132.65M | 135.97M | 136.35M | 142.54M | 143.13M | 143.21M | 142.94M | 143.23M | 143.47M |
FFIN Balance Sheet
First Financial Bankshares, Inc. (FFIN) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 3.12B | 3.46B | 3.41B | 3.69B | 5.12B | 7.1B | 5.81B | 5.27B | 1.05B | 13.35B |
| Cash & Due from Banks | 255.06M | 373.81M | 250.1M | 279.45M | 729.08M | 528.59M | 330.68M | 536.59M | 763.41M | 639.05M |
| Short Term Investments | 2.86B | 3.09B | 3.16B | 3.41B | 4.39B | 6.57B | 5.47B | 4.73B | 288.99M | 4.86B |
| Total Investments | 6.2B | 6.54B | 7.08B | 7.58B | 9.58B | 11.94B | 11.85B | 11.81B | 12.44B | 13.02B |
| Investments Growth % | 2.59% | 5.49% | 8.3% | 7.08% | 26.34% | 24.58% | -0.7% | -0.38% | 5.37% | -11.76% |
| Long-Term Investments | 3.34B | 3.45B | 3.92B | 4.17B | 5.19B | 5.36B | 6.38B | 7.07B | 12.15B | 36.18B |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 143.6M | 141.14M | 174.68M | 173.67M | 318.39M | 316.78M | 315.53M | 314.62M | 314M | 313.74M |
| Goodwill | 0 | 0 | 0 | 0 | 313.48M | 313.48M | 313.48M | 313.48M | 0 | 0 |
| Intangible Assets | 143.6M | 141.14M | 174.68M | 173.67M | 4.91M | 3.3M | 2.05M | 1.14M | 314M | 313.74M |
| PP&E (Net) | 122.69M | 124.03M | 133.42M | 131.02M | 142.27M | 149.76M | 152.97M | 151.79M | 151.9M | 149.65M |
| Other Assets | 89.2M | 75.72M | 90.76M | 94.07M | 133.26M | 170.83M | 322.52M | 295.52M | 309.33M | -8.16B |
| Total Current Assets | 3.12B | 3.46B | 3.41B | 3.69B | 5.12B | 7.1B | 5.81B | 5.27B | 1.05B | 5.5B |
| Total Non-Current Assets | 3.69B | 3.79B | 4.32B | 4.57B | 5.78B | 6B | 7.17B | 7.84B | 12.93B | 463.39M |
| Total Assets | 6.81B▲ 0% | 7.25B▲ 6.5% | 7.73B▲ 6.6% | 8.26B▲ 6.9% | 10.9B▲ 32.0% | 13.1B▲ 20.2% | 12.97B▼ 1.0% | 13.11B▲ 1.0% | 13.98B▲ 6.7% | 14.84B▲ 0% |
| Asset Growth % | 2.17% | 6.53% | 6.58% | 6.86% | 31.98% | 20.16% | -0.98% | 1.01% | 6.67% | 33.64% |
| Return on Assets (ROA) | 1.56% | 1.71% | 2.01% | 2.06% | 2.11% | 1.9% | 1.8% | 1.53% | 1.65% | 1.63% |
| Accounts Payable | 0 | 0 | 0 | 0 | 14.64M | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 445.77M | 331M | 468.71M | 381.36M | 430.09M | 671.15M | 642.51M | 404.08M | 197.02M | 72.6M |
| Net Debt | 190.71M | -42.8M | 218.6M | 101.9M | -298.99M | 142.56M | 311.83M | -132.51M | -566.39M | -566.44M |
| Long-Term Debt | 75M | 0 | 55M | 0 | 0 | 21.05M | 21.05M | 21.05M | 121.05M | 21.06M |
| Short-Term Debt | 370.77M | 331M | 413.71M | 381.36M | 430.09M | 650.1M | 621.45M | 383.03M | 75.97M | 51.55M |
| Other Liabilities | 47.74M | 37.99M | 29.46M | 49.87M | 105.76M | 105.6M | 60.31M | 64.31M | 76.67M | 92.41M |
| Total Current Liabilities | 5.85B | 6.29B | 6.59B | 6.99B | 9.12B | 11.22B | 11.63B | 11.52B | 12.18B | 12.9B |
| Total Non-Current Liabilities | 122.74M | 37.99M | 84.46M | 49.87M | 105.76M | 126.65M | 81.37M | 85.37M | 197.72M | 113.47M |
| Total Liabilities | 5.97B | 6.33B | 6.68B | 7.04B | 9.23B | 11.34B | 11.71B | 11.61B | 12.37B | 13.01B |
| Total Equity | 837.88M▲ 0% | 922.77M▲ 10.1% | 1.05B▲ 14.1% | 1.23B▲ 16.5% | 1.68B▲ 36.7% | 1.76B▲ 4.8% | 1.27B▼ 28.1% | 1.5B▲ 18.4% | 1.61B▲ 7.2% | 1.83B▲ 0% |
| Equity Growth % | 4.09% | 10.13% | 14.15% | 16.51% | 36.75% | 4.83% | -28.05% | 18.42% | 7.18% | 44.33% |
| Equity / Assets (Capital Ratio) | 12.3% | 12.72% | 13.62% | 14.85% | 15.39% | 13.43% | 9.76% | 11.44% | 11.49% | 12.33% |
| Return on Equity (ROE) | 12.75% | 13.67% | 15.25% | 14.45% | 13.91% | 13.24% | 15.5% | 14.39% | 14.39% | 13.25% |
| Book Value per Share | 6.34 | 6.96 | 7.75 | 9.00 | 11.77 | 12.29 | 8.84 | 10.49 | 11.22 | 12.76 |
| Tangible BV per Share | 5.25 | 5.89 | 6.46 | 7.73 | 9.54 | 10.08 | 6.64 | 8.29 | 9.02 | 10.57 |
| Common Stock | 661K | 663K | 678K | 1.36M | 1.42M | 1.43M | 1.43M | 1.43M | 1.43M | 1.43M |
| Additional Paid-in Capital | 372.25M | 378.06M | 443.11M | 450.68M | 669.64M | 676.87M | 677.59M | 681.25M | 689.34M | 697.31M |
| Retained Earnings | 446.53M | 517.26M | 606.66M | 707.66M | 836.73M | 981.67M | 1.12B | 1.22B | 1.34B | 1.44B |
| Accumulated OCI | 18.45M | 26.79M | 2.85M | 67.51M | 170.4M | 99.25M | -535.23M | -403.3M | -424.29M | -308.58M |
| Treasury Stock | -6.67M | -7.15M | -7.51M | -8.22M | -9.13M | -10.09M | -11.04M | -11.86M | -12.9M | -13.98M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
FFIN Cash Flow Statement
First Financial Bankshares, Inc. (FFIN) cash flow — operating, investing & free cash flow history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 160.74M | 190.27M | 186.35M | 202.45M | 210.67M | 355.15M | 324.27M | 284.82M | 309.64M | 309.64M |
| Operating CF Growth % | 47.35% | 18.37% | -2.06% | 8.64% | 4.06% | 68.58% | -8.7% | -12.17% | 8.71% | 32.9% |
| Net Income | 104.77M | 120.37M | 150.64M | 164.81M | 202.03M | 227.56M | 234.47M | 198.98M | 223.51M | 242.59M |
| Depreciation & Amortization | 11.57M | 12.92M | 12.55M | 11.66M | 12.79M | 13.06M | 12.76M | 12.58M | 13.43M | 13.83M |
| Deferred Taxes | 673K | -53K | -250K | -29K | -5.25M | 3.53M | -4.21M | -359K | -620K | -1.63M |
| Other Non-Cash Items | 37.32M | 35.67M | 29.28M | 25.61M | 53.7M | 64.02M | 82.94M | 68.84M | 58.48M | 83.75M |
| Working Capital Changes | 6.4M | 21.37M | -5.87M | 395K | -52.6M | 43.73M | -5.66M | 529K | 9.91M | -43.06M |
| Cash from Investing | -251.96M | -398.04M | -273.29M | -447.8M | -1.26B | -2.61B | -838M | 127.29M | -736.88M | -1.21B |
| Purchase of Investments | -3.74B | -4.77B | -3.73B | -4.73B | -7.12B | -10.89B | -4.39B | -4.01B | -6.6B | -8.34B |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 4M |
| Net Investment Activity | -3.74B | -4.77B | -3.73B | -4.73B | -7.12B | -10.89B | -4.38B | -4B | -6.6B | -8.33B |
| Acquisitions | 0 | 0 | 18.65M | 0 | 61.03M | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -43.48M | -128.29M | -201.76M | -239.82M | -527.69M | -210.96M | -1.05B | -704.66M | -763.8M | -534.48M |
| Cash from Financing | 74.82M | 323.63M | -36.77M | 279.31M | 1.5B | 2.06B | 315.82M | -206.2M | 654.06M | 978.67M |
| Dividends Paid | -44.91M | -48.95M | -53.86M | -61.06M | -70.32M | -79.71M | -91.31M | -99.97M | -102.91M | -104.47M |
| Share Repurchases | 0 | 0 | 0 | 0 | -8.01M | 0 | -9.45M | -2.74M | 0 | 0 |
| Stock Issued | 1.26M | 2.93M | 3.86M | 4.29M | 0 | 0 | 0 | 0 | 3.16M | 2.92M |
| Net Stock Activity | 1.26M | 2.93M | 3.86M | 4.29M | -8.01M | 0 | -9.45M | -2.74M | 3.16M | 2.92M |
| Debt Issuance (Net) | -1000K | -1000K | 1000K | -1000K | 1000K | 1000K | -1000K | -1000K | -1000K | 0 |
| Other Financing | 288.37M | 484.42M | -120.61M | 427.71M | 1.53B | 1.89B | 445.23M | 134.93M | 960.87M | 1.09B |
| Net Change in Cash | -16.4M▲ 0% | 115.86M▲ 806.5% | -123.7M▼ 206.8% | 33.96M▲ 127.5% | 446.48M▲ 1214.8% | -200.5M▼ 144.9% | -197.91M▲ 1.3% | 205.91M▲ 204.0% | 226.82M▲ 10.2% | 67.13M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 272.89M | 256.49M | 372.35M | 248.65M | 282.6M | 729.08M | 528.59M | 330.68M | 536.59M | 708.36M |
| Cash at End | 256.49M | 372.35M | 248.65M | 282.6M | 729.08M | 528.59M | 330.68M | 536.59M | 763.41M | 650.8M |
| Interest Paid | 0 | 0 | 0 | 0 | 14.49M | 6.2M | 30.54M | 135.17M | 205.48M | 203.21M |
| Income Taxes Paid | 0 | 0 | 0 | 0 | 44.38M | 39.53M | 45.43M | 46.68M | 41.1M | 27.45M |
| Free Cash Flow | 140.34M▲ 0% | 176.11M▲ 25.5% | 168.7M▼ 4.2% | 193.78M▲ 14.9% | 194.22M▲ 0.2% | 335.95M▲ 73.0% | 308.49M▼ 8.2% | 267.57M▼ 13.3% | 292.92M▲ 9.5% | 289.79M▲ 0% |
| FCF Growth % | 53.11% | 25.49% | -4.21% | 14.87% | 0.22% | 72.97% | -8.17% | -13.26% | 9.47% | 8.1% |
FFIN Banking Ratios
First Financial Bankshares, Inc. (FFIN) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 12.75% | 13.67% | 15.25% | 14.45% | 13.91% | 13.24% | 15.5% | 14.39% | 14.39% | 13.25% |
| Return on Assets (ROA) | 1.56% | 1.71% | 2.01% | 2.06% | 2.11% | 1.9% | 1.8% | 1.53% | 1.65% | 1.63% |
| Net Interest Margin | 3.36% | 3.28% | 3.54% | 3.52% | 3.22% | 2.86% | 3.12% | 2.94% | 3.07% | 3.29% |
| Efficiency Ratio | 50.98% | 50.4% | 47.11% | 44.59% | 43.87% | 45.24% | 40.18% | 36.01% | 34.01% | 34.25% |
| Equity / Assets | 12.3% | 12.72% | 13.62% | 14.85% | 15.39% | 13.43% | 9.76% | 11.44% | 11.49% | 12.33% |
| Book Value / Share | 6.34 | 6.96 | 7.75 | 9 | 11.77 | 12.29 | 8.84 | 10.49 | 11.22 | 12.76 |
| NII Growth | 4.74% | 3.87% | 15.09% | 6.39% | 20.45% | 6.75% | 7.97% | -4.55% | 11.37% | 18.74% |
| Dividend Payout | 42.86% | 40.67% | 35.76% | 37.05% | 34.8% | 35.03% | 38.94% | 50.24% | 46.04% | 43.07% |
FFIN SEC Filings & Documents
First Financial Bankshares, Inc. (FFIN) SEC filings — annual & quarterly reports (10-K, 10-Q)
FFIN Frequently Asked Questions
First Financial Bankshares, Inc. (FFIN) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
First Financial Bankshares, Inc. (FFIN) grew revenue by 18.8% over the past year. This is strong growth.
Yes, First Financial Bankshares, Inc. (FFIN) is profitable, generating $242.6M in net income for fiscal year 2024 (30.2% net margin).
Dividend & Returns
Yes, First Financial Bankshares, Inc. (FFIN) pays a dividend with a yield of 2.23%. This makes it attractive for income-focused investors.
First Financial Bankshares, Inc. (FFIN) has a return on equity (ROE) of 14.4%. This is reasonable for most industries.
Industry Metrics
First Financial Bankshares, Inc. (FFIN) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
First Financial Bankshares, Inc. (FFIN) has an efficiency ratio of 34.0%. This is excellent, indicating strong cost control.
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