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+50.0%
5Y+68.0%
10Y+167.0%
3Y+8.0%
5Y+26.0%
10Y+142.0%
3Y-1.0%
5Y+52.0%
10Y+99.0%
First Financial Bankshares, Inc.

First Financial Bankshares, Inc. Profit Bridge

FFIN ยท NASDAQ
Revenue825.80M
Cost of Goods Sold (232.69M)
Gross Profit593.11M
Operating Expenses (283.50M)
Operating Income309.61M
Interest Expense (201.59M)
Other Income/Expense0.00
Pretax Income309.61M
Income Tax (56.02M)
Net Income253.59M
Net Income
253.59M

Profitability Analysis

Gross Margin

71.8%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

37.5%

Outstanding operational efficiency. The company generates substantial profit from core operations.

Net Profit Margin

30.7%

Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.

Effective Tax Rate

18.1%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

First Financial Bankshares, Inc. Income Statement

FFIN โ€ข NASDAQ

First Financial Bankshares, Inc. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
825.8M
739.2M
622.3M
551.3M
505.6M
491.9M
417.1M
383.4M
328.7M
309.2M
287.7M
257.4M
231.8M
210.7M
205.7M
194.6M
195M
208.6M
217.6M
199.2M
GROSS PROFIT
(232.7M)
(216M)
(154.9M)
(48.9M)
(4.9M)
(33.8M)
(33.1M)
(24.6M)
(15.8M)
(15.7M)
(13.8M)
(8.6M)
(7.8M)
(8.6M)
(14.7M)
(22.5M)
(28.7M)
(43.2M)
(60.9M)
(50.7M)
593.1M
523.2M
467.4M
502.4M
500.7M
458.2M
384M
358.8M
312.9M
293.6M
274M
248.8M
224M
202.1M
191.1M
172.1M
166.4M
165.4M
156.8M
148.5M
OPERATING INCOME
(283.5M)
(251.4M)
(224.1M)
(221.5M)
(228.8M)
(215.8M)
(186M)
(180.6M)
(165.7M)
(157.6M)
(142.2M)
(130.2M)
(119.4M)
(102.7M)
(98.9M)
(93.7M)
(94M)
(91.6M)
(86.8M)
(83.1M)
(214.6M)
(165.6M)
(145M)
(143.2M)
(150.6M)
(141.2M)
(121.7M)
(114.4M)
(102.6M)
(98.5M)
(88.4M)
(80.5M)
(72.6M)
(63.5M)
(61.8M)
(59M)
(60.1M)
(52.3M)
(46.9M)
(44.2M)
309.6M
271.8M
243.3M
280.9M
272M
242.4M
198M
178.2M
147.2M
135.9M
131.8M
118.6M
104.6M
99.4M
92.2M
78.4M
72.4M
73.8M
69.9M
65.3M
PRE-TAX INCOME
(201.6M)
(202.2M)
(144.3M)
(31.4M)
(6M)
(14.2M)
(30.1M)
(18.9M)
(9.3M)
(5.5M)
(4.1M)
(4.2M)
(4.1M)
(5.1M)
(8M)
(13.5M)
(17.3M)
(35.3M)
(58.6M)
(48.6M)
503.1M
429.8M
385.9M
404.3M
374.4M
350.7M
291.2M
273.7M
237.8M
228.9M
218.6M
195M
172.7M
155M
152.6M
136.6M
129.2M
123.9M
110.8M
105.9M
(68.9M)
(85.8M)
(79.1M)
(78.3M)
(78.2M)
(74.6M)
(64.3M)
(66.2M)
(63.1M)
(59.1M)
(53.7M)
(49.6M)
(46.8M)
(39.3M)
(37.1M)
(34.7M)
(33.9M)
(39.2M)
(39.9M)
(39M)
309.6M
271.8M
243.3M
280.9M
272M
242.4M
198M
178.2M
147.2M
135.9M
131.8M
118.6M
104.6M
99.4M
92.2M
78.4M
72.4M
73.8M
69.9M
65.3M
NET INCOME
(56M)
(48.3M)
(44.3M)
(46.4M)
(44.4M)
(40.3M)
(33.2M)
(27.5M)
(26.8M)
(31.2M)
(31.4M)
(29M)
(25.7M)
(25.1M)
(23.8M)
(20.1M)
(18.6M)
(20.6M)
(20.4M)
(19.3M)
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

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