$31.71
-0.38%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.
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
Flat FCF growth. Stable but not expandingโmonitor for signs of business maturity or temporary headwinds.
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
FFIN โข NASDAQ
| First Financial Bankshares, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 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 |
FFIN - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
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 |
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