First Financial Bankshares, Inc.

First Financial Bankshares, Inc.

FFINยทNASDAQ

$31.71

-0.38%
Financial ServicesBanks - Regional

First 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.

At a Glance

Live Snapshot
Market Cap$4.54B
EPS1.7800
P/E Ratio17.81
Earnings Date07/16/2026
3Y-1.0%
5Y+52.0%
10Y+99.0%
3Y+24.0%
5Y-18.0%
10Y+312.0%
3Y+227.0%
5Y-31.0%
10Y+1278.0%
FFIN

First Financial Bankshares, Inc. Cash Conversion Engine

FFIN ยท NASDAQ
Net Income253.58M
Depreciation & Amortization0.00
Stock-Based Compensation0.00
Change in Working Capital-20.13M
Others87.13M
Capital Expenditures-13.44M
Free Cash Flow307.14M

Cash Flow Quality Analysis

FCF Conversion Rate

121.1%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

4.2%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+4.9%

Flat FCF growth. Stable but not expandingโ€”monitor for signs of business maturity or temporary headwinds.

Working Capital Impact

-$20.13M

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

Cash Flow Quality Insight

Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.

First Financial Bankshares, Inc. Cash Flow Statement

FFIN โ€ข NASDAQ

First Financial Bankshares, Inc. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
253.6M
223.5M
199M
234.5M
227.6M
202M
164.8M
150.6M
120.4M
104.8M
100.4M
89.6M
78.9M
74.2M
68.4M
59.7M
53.8M
53.2M
49.5M
46M
0.0
13.4M
12.6M
12.8M
13.1M
12.8M
11.7M
12.5M
12.9M
11.6M
11.1M
9.3M
8.6M
7.9M
7.4M
7.1M
7.7M
8M
7.2M
8.2M
0.0
-620K
-359K
-4.2M
3.5M
-5.2M
-29K
-250K
-53K
673K
320K
-893K
754K
1.5M
2M
1.1M
-221K
-123K
464.4K
-26.6K
0.0
4.9M
4.3M
4M
3.2M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
87.1M
58.5M
68.8M
82.9M
64M
53.7M
25.6M
29.3M
35.7M
37.3M
37.2M
23.8M
21.8M
16.6M
14.8M
10.7M
66.8M
-67.4M
228.5K
-173K
(61.1M)
(41.1M)
(46.7M)
(45.4M)
(39.5M)
(44.4M)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-20.1M
9.9M
529K
-5.7M
43.7M
-52.6M
395K
-5.9M
21.4M
6.4M
-40M
9.7M
-212K
-7.2M
2.6M
-6.7M
43.4M
-4.1M
-2.6M
-6.1M
320.6M
309.6M
284.8M
324.3M
355.2M
210.7M
202.5M
186.4M
190.3M
160.7M
109.1M
131.4M
109.9M
93.1M
95.1M
71.8M
171.5M
-10.5M
54.8M
47.9M
INVESTING ACTIVITIES
-13.4M
-16.7M
-17.3M
-15.8M
-19.2M
-16.5M
-8.7M
-17.6M
-14.2M
-20.4M
-17.4M
-17.4M
-11.3M
-16.2M
-14.8M
-11.2M
-6.5M
-11.8M
-8.3M
-7.4M
(3.1M)
(0.0)
(0.0)
(0.0)
(0.0)
(61M)
(0.0)
(18.7M)
(0.0)
(0.0)
(63.3M)
(0.0)
-25.7M
(0.0)
(0.0)
-2.5M
(0.0)
(0.0)
(0.0)
(0.0)
-8.9B
-6.6B
-4B
-4.4B
-10.9B
-7.1B
-4.7B
-3.7B
-4.8B
-3.7B
-3.1B
-3.2B
-2.5B
-2B
-2.2B
-2.1B
-233.9M
-421.6M
-899.7M
-2B
8.1B
6.6B
4.9B
4.6B
8.5B
6.3B
4.5B
3.7B
4.5B
3.5B
2.8B
2.9B
2.3B
2.1B
1.9B
1.8B
240.5M
292.3M
921.4M
1.9B
-288.1M
-763.8M
-704.7M
-1B
-211M
-527.7M
-239.8M
-201.8M
-128.3M
-43.5M
-128.4M
-228.3M
-298.3M
-285.9M
-59.9M
-120M
-3.9M
-23.6M
-156.9M
-86.9M
-1B
-736.9M
(127.3M)
-838M
-2.6B
-1.3B
-447.8M
-273.3M
-398M
-252M
-384.2M
-575.2M
-556.8M
-295M
-331M
-355.8M
-3.7M
-164.7M
-143.6M
-169.4M
FINANCING ACTIVITIES
3.4M
3.2M
-2.7M
-9.4M
0.0
-8M
0.0
0.0
2.9M
1.3M
1.5M
1.4M
2M
824K
950K
789K
682K
608.9K
526.6K
440.7K
-112.4M
-207.1M
-238.4M
-28.6M
241.1M
48.7M
-87.4M
137.7M
-114.8M
-169.9M
235.4M
-96.8M
204.2M
51.9M
29.4M
32.3M
-89.5M
69.3M
23M
69M
-106M
-102.9M
-100M
-91.3M
-79.7M
-70.3M
-61.1M
-53.9M
-49M
-44.9M
-38.8M
-34.6M
-24.5M
-38.7M
-29.4M
-28.3M
-28.3M
-27.4M
-24.9M
-24M
(0.0)
(0.0)
-2.7M
-9.4M
(0.0)
-8M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
1.2B
960.9M
134.9M
445.2M
1.9B
1.5B
427.7M
-120.6M
484.4M
288.4M
96.3M
615.2M
116.5M
297.8M
221.5M
278.6M
102M
36.7M
162.1M
17.7M
1B
654.1M
-206.2M
315.8M
2.1B
1.5B
279.3M
-36.8M
323.6M
74.8M
294.5M
485.3M
298.2M
311.8M
222.5M
283.3M
-15.1M
79.2M
160.7M
63.2M
CASH FLOW SUMMARY
314.6M
226.8M
205.9M
-197.9M
-200.5M
446.5M
34M
-123.7M
115.9M
-16.4M
19.4M
41.5M
-148.7M
109.9M
-13.4M
-651K
152.7M
-96M
71.9M
-58.3M
763.4M
536.6M
330.7M
528.6M
729.1M
282.6M
248.6M
372.3M
256.5M
272.9M
253.5M
212M
360.7M
250.8M
264.3M
264.9M
168.9M
264.9M
193M
250.5M
1.1B
763.4M
536.6M
330.7M
528.6M
729.1M
282.6M
248.6M
372.3M
256.5M
272.9M
253.5M
212M
360.7M
250.8M
264.3M
321.5M
168.9M
264.9M
191.9M
307.1M
292.9M
267.6M
308.5M
335.9M
194.2M
193.8M
168.7M
176.1M
140.3M
91.7M
114M
98.5M
76.9M
80.3M
60.6M
165M
-22.3M
46.5M
40.5M

SEC Filings

FFIN - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
10-Q

10-Q 2026 Q1

Q1

May 05, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 30, 2026
April 28, 2026
2026
8-K

8-K 2026

N/A

April 29, 2026
April 28, 2026
2026
8-K

8-K 2026

N/A

April 17, 2026
April 16, 2026
2026
DEF 14A

DEF 14A 2026

N/A

March 06, 2026
March 06, 2026
2026
10-K

10-K 2025 FY

FY

February 25, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

January 29, 2026
January 27, 2026
2026
8-K

8-K 2026

N/A

January 23, 2026
January 22, 2026
2026
10-Q

10-Q 2025 Q3

Q3

November 07, 2025
September 30, 2025
2025
8-K

8-K 2025

N/A

October 24, 2025
October 23, 2025
2025
Showing 1 to 10 of 396 filings