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First Financial Bankshares Inc

Financial Services US FFIN

32.35USD
0.64(2.02%)

Last update at 2026-06-04T20:00:00Z

Day Range

32.0332.75
LowHigh

52 Week Range

28.1238.06
LowHigh

Fundamentals

  • Previous Close 31.71
  • Market Cap4622.18M
  • Volume1081885
  • P/E Ratio17.53
  • Dividend Yield2.33%
  • Revenue TTM622.10M
  • Revenue Per Share TTM4.35
  • Gross Profit TTM 622.10M
  • Diluted EPS TTM1.84

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 309.61M 271.85M 243.30M 280.87M 271.97M
Minority interest - - - - -
Net income 253.59M 223.51M 198.98M 234.47M 227.56M
Selling general administrative 211.56M 162.69M 144.99M 137.84M 147.08M
Selling and marketing expenses 3.06M 2.87M 2.78M 6.38M 6.37M
Gross profit 593.11M 523.22M 634.55M 520.85M 500.57M
Reconciled depreciation 13.65M 13.43M 12.58M 11.21M 12.73M
Ebit 309.61M 271.85M 243.30M 313.87M 271.97M
Ebitda 319.94M 285.27M 243.30M 325.08M 284.70M
Depreciation and amortization 10.33M 13.43M 0.91M 11.21M 12.73M
Non operating income net other - - - - -
Operating income 309.61M 271.85M 243.30M 313.87M 271.97M
Other operating expenses 516.19M 467.37M 243.30M -206.97900M -228.59600M
Interest expense 201.59M 202.18M 144.26M 31.44M 6.04M
Tax provision 56.02M 48.34M 44.32M 46.40M 44.41M
Interest income 706.07M 631.93M 530.12M 435.69M 380.44M
Net interest income 504.48M 429.75M 385.86M 404.25M 374.40M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 56.02M 48.34M 44.32M 46.40M 44.41M
Total revenue 825.80M 739.21M 634.55M 520.85M 500.57M
Total operating expenses 283.50M 251.37M 243.30M -206.97900M -228.59600M
Cost of revenue 232.69M 216.00M 3.13M - -
Total other income expense net - 0.48M 243.30M -32.99400M -6.04200M
Discontinued operations - - - - -
Net income from continuing ops 253.58M 223.51M 198.98M 234.47M 227.56M
Net income applicable to common shares - - - 234.47M 227.56M
Preferred stock and other adjustments - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 15446.48M 13979.42M 13105.59M 12974.07M 13102.46M
Intangible assets 0.17M 314.00M 314.62M 2.05M 3.30M
Earning assets - - - - -
Other current assets 29.99M - 537.07M -61.56800M -1039.02800M
Total liab 13529.16M 12372.86M 11606.69M 11708.33M 671.15M
Total stockholder equity 1917.32M 1606.56M 1498.90M 1265.74M 1759.22M
Deferred long term liab - - - - -
Other current liab 161.95M 12099.17M 3461.30M 11005.51M 10566.49M
Common stock 1.43M 1.43M 1.43M 1.43M 1.43M
Capital stock 1.43M 1.43M 1.43M 1.43M 1.43M
Retained earnings 1440.11M 1340.08M 1219.53M 1121.94M 981.67M
Other liab - - - 35.96M 105.60M
Good will 313.48M - 313.48M 313.48M 313.48M
Other assets - 8635.75M 0.00000M 1226.16M -1039.02800M
Cash 1077.99M 763.41M 536.59M 330.68M 528.59M
Cash and equivalents - - - - -
Total current liabilities 13529.16M 12175.14M 3844.33M 802.09M 11237.64M
Current deferred revenue - - - - -
Net debt -1056.30800M -566.39400M -132.51000M 311.83M 142.56M
Short term debt 21.68M 75.97M 383.03M 802.09M 671.15M
Short long term debt - - - - -
Short long term debt total 21.68M 197.02M 404.08M 642.51M 671.15M
Other stockholder equity 697.31M 689.34M 669.39M 677.59M 676.87M
Property plant equipment - - - 152.97M 149.76M
Total current assets 9160.72M 1052.40M 537.07M 5805.04M 7101.77M
Long term investments 2765.44M 4617.76M 4732.76M 5474.36M 6573.18M
Net tangible assets - - - 950.20M 1442.44M
Short term investments 5514.11M 288.99M 4732.76M 5474.36M 6573.18M
Net receivables 8052.74M - - - -
Long term debt 21.05M 121.05M 21.05M 642.51M 671.15M
Inventory - - - - 2.48M
Accounts payable 13345.53M - - 24.28M 10566.49M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -221.53000M -424.28900M -391.44300M -535.22800M 99.25M
Additional paid in capital - - - - -
Common stock total equity - - - 1.43M 1.43M
Preferred stock total equity - - - - -
Retained earnings total equity - - - 1121.94M 981.67M
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other 308.01M 309.33M 294.61M -5942.86600M -7039.72200M
Deferred long term asset charges - - - - -
Non current assets total 6285.76M 12927.02M 12568.52M 5942.87M 7039.72M
Capital lease obligations - - - - -
Long term debt total - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -738.87800M -736.87800M 127.29M -823.40700M -2593.26800M
Change to liabilities - - - 0.00000M 0.00000M
Total cashflows from investing activities -1037.35900M -736.87800M 127.29M -838.00500M -2611.65000M
Net borrowings -112.38300M -207.06200M -238.42600M -28.64500M 241.06M
Total cash from financing activities 1031.35M 654.06M -206.20100M 316.15M 2057.92M
Change to operating activities - - - -1.70000M 45.49M
Net income 253.58M 223.51M 198.98M 234.47M 227.56M
Change in cash 314.57M 226.82M 205.91M -197.91000M -200.49600M
Begin period cash flow 763.41M 536.59M 330.68M 528.59M 729.08M
End period cash flow 1077.99M 763.41M 536.59M 330.68M 528.59M
Total cash from operating activities 320.58M 309.64M 284.82M 323.94M 353.23M
Issuance of capital stock - - - - -
Depreciation 13.65M 13.43M 12.58M 12.76M 13.06M
Other cashflows from investing activities -288.11600M -763.80400M -704.66100M 1.19M 0.82M
Dividends paid 106.00M 102.91M 99.97M -91.31500M -79.71200M
Change to inventory - - - - -
Change to account receivables - - - - -
Sale purchase of stock 0.00000M 0.00000M -2.73600M -9.44900M 5.91M
Other cashflows from financing activities 1246.36M 960.87M 134.93M 416.92M 2137.64M
Change to netincome - - - 89.47M 125.67M
Capital expenditures 13.44M 16.72M 17.25M 15.78M 19.20M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - -197.91000M -200.49600M
Change in working capital -20.13100M 9.91M 0.53M -1.70000M 45.49M
Stock based compensation 6.92M 4.93M 4.26M - -
Other non cash items 87.13M 58.48M 68.84M 82.61M 63.59M
Free cash flow 307.14M 292.92M 267.57M 308.16M 334.03M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
FFIN
First Financial Bankshares Inc		 0.64 2.02% 32.35 17.53 24.57 7.43 2.38 7.31
HDB
HDFC Bank Limited ADR		 0.48 2.04% 24.03 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 0.04 0.15% 30.44 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 1.22 2.50% 50.10 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.92 6.10 5.67 0.44 0.77 3.43

Reports Covered

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Profile

First Financial Bankshares, Inc., through its subsidiaries, provides banking services in the United States. The company offers general commercial banking services, including checking, savings and time deposits, loans, automated teller machines, drive-in and night deposit services, safe deposit facilities, remote deposit capture, internet banking, mobile banking, payroll cards, funds transfer, and other customary commercial banking service, as well as securities brokerage services. It also provides personal trust services, such as wealth management; administration of estates, oil and gas management; farm and ranch; property management; testamentary trusts; revocable and irrevocable trusts; and agency accounts. In addition, the company offers commercial and industrial; municipal; agricultural; construction and development; farm; residential; consumer auto and non-auto; and non-owner occupied and owner occupied commercial real estate loans. Further, it provides advice and specialized services related to lending, investing, purchasing, advertising, public relations, and technology services. First Financial Bankshares, Inc. was founded in 1890 and is headquartered in Abilene, Texas.

First Financial Bankshares Inc

400 Pine Street, Abilene, TX, United States, 79601

Key Executives

Name Title Year Born
Mr. F. Scott Dueser Chairman, Pres & CEO 1953
Mr. James R. Gordon Exec. VP, CFO, Sec. & Treasurer 1966
Mr. Ronald D. Butler II Exec. VP & Chief Admin. Officer 1961
Mr. Kirk W. Thaxton Chairman, CEO & Pres of First Financial Trust & Asset Mgmt Co. NA 1961
Mr. J. Kyle McVey CPA, CPA Exec. VP & Chief Accounting Officer NA
Mr. John James Ruzicka Exec. VP & Chief Information Officer 1958
Mr. Lawrence B. Kentz Chief Compliance Officer NA
Mr. Chris Cook Exec. VP of Marketing NA
Ms. Patricia L. Schulz Exec. VP of HR NA
Mr. Tommy J. Barrow Sr. VP of Lending NA

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