Symbols / FFIN Stock $31.31 -1.23% First Financial Bankshares, Inc.

Financial Services • Banks - Regional • United States • NMS
FFIN (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. David W. Bailey
Exch · Country NMS · United States
Market Cap 4.49B
Enterprise Value 4.21B
Income 263.78M
Sales 622.10M
FCF (ttm) —
Book/sh 13.48
Cash/sh 2.36
Employees 1,500
Insider 10d —
IPO Nov 01, 1993
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 41.30%
P/E 17.02
Forward P/E 14.65
PEG 2.55
P/S 7.21
P/B 2.32
P/C —
EV/EBITDA —
EV/Sales 6.77
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 1.84
EPS next Y 2.14
EPS Growth 16.40%
Revenue Growth 13.10%
EPS Gr Q/Q 16.60%
Rev Gr Q/Q —
Earnings (next) 2026-07-16
Earnings (prior) 2026-04-16
ROA 1.78%
ROE 14.56%
ROIC —
Gross Margin 0.00%
Oper. Margin 57.12%
Profit Margin 42.40%
Shs Outstand 143.28M
Shs Float 136.86M
Insider Own 3.63%
Instit Own 67.21%
Short Float 7.72%
Short Ratio 12.96
Short Interest 8.25M
52W High 38.74
vs 52W High -19.18%
52W Low 28.12
vs 52W Low 11.34%
Beta 0.84
Impl. Vol. 6.25%
Rel Volume 0.93
Avg Volume 769.65K
Volume 715.08K
Target (mean) $33.75
Tgt Median $34.00
Tgt Low $33.00
Tgt High $34.00
# Analysts 4
Recom None
Prev Close $31.70
Price $31.31
Change -1.23%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$33.75
Mean price target
2. Current target
$31.31
Latest analyst target
3. DCF / Fair value
$27.60
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$31.31
Low
$33.00
High
$34.00
Mean
$33.75

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-09 main Keefe, Bruyette & Woods Market Perform → Market Perform $34
2025-10-24 main Keefe, Bruyette & Woods Market Perform → Market Perform $36
2025-09-10 init Cantor Fitzgerald — → Neutral $39
2025-07-18 main Keefe, Bruyette & Woods Market Perform → Market Perform $38
2025-04-21 main Keefe, Bruyette & Woods Market Perform → Market Perform $36
2025-01-27 main Keefe, Bruyette & Woods Market Perform → Market Perform $41
2024-12-04 main Keefe, Bruyette & Woods Market Perform → Market Perform $40
2024-10-18 main Stephens & Co. Equal-Weight → Equal-Weight $40
2024-09-20 main Truist Securities Hold → Hold $40
2024-07-24 main Truist Securities Hold → Hold $39
2024-07-19 main Stephens & Co. Equal-Weight → Equal-Weight $36
2024-07-08 main Truist Securities Hold → Hold $31
2024-04-22 main Truist Securities Hold → Hold $32
2024-04-19 main Stephens & Co. Equal-Weight → Equal-Weight $31
2024-04-01 main Truist Securities Hold → Hold $34
2024-01-30 main Truist Securities Hold → Hold $35
2024-01-26 main Stephens & Co. Equal-Weight → Equal-Weight $32
2024-01-26 main Keefe, Bruyette & Woods Market Perform → Market Perform $31
2023-12-15 main Truist Securities Hold → Hold $31
2023-10-20 main Stephens & Co. Equal-Weight → Equal-Weight $26
News
RSS: Latest FFIN news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-05-06 BAILEY DAVID WILLIAM Chief Executive Officer — 2,500 $21.18 $52,950
2026-05-06 BIEBIGHAUSER LON A Officer — 490 $21.18 $10,378
2026-05-05 NICKLES ROBERT CLARK JR Director — 664 $31.96 $21,221
2026-04-28 COPELAND DAVID L Director — 2,142 $0.00 $0
2026-04-28 EDWARDS MURRAY HAMILTON Director — 2,142 $0.00 $0
2026-04-28 ZOTH LOTA S Director — 2,142 $0.00 $0
2026-04-28 MATTHEWS KADE L Director — 2,142 $0.00 $0
2026-04-28 JONES ELI Director — 2,142 $0.00 $0
2026-04-28 LANCASTER IVAN TIM Director — 2,142 $0.00 $0
2026-04-28 NICKLES ROBERT CLARK JR Director — 2,142 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
617.11
+14.91%
537.04
+12.34%
478.05
-8.04%
519.83
Operating Revenue
617.11
+14.91%
537.04
+12.34%
478.05
-8.04%
519.83
Selling General And Administration
187.59
+13.30%
165.57
+14.19%
144.99
+1.24%
143.21
Selling And Marketing Expense
3.10
+7.83%
2.87
+3.42%
2.78
-1.70%
2.83
General And Administrative Expense
184.50
+13.40%
162.69
+14.40%
142.21
+1.30%
140.38
Salaries And Wages
178.01
+13.96%
156.20
+16.17%
134.46
-1.62%
136.67
Other Gand A
—
—
—
—
Reconciled Depreciation
13.65
+1.66%
13.43
+6.75%
12.58
-1.44%
12.76
Total Unusual Items
0.04
-91.45%
0.43
-72.44%
1.57
-20.29%
1.97
Total Unusual Items Excluding Goodwill
0.04
-91.45%
0.43
-72.44%
1.57
-20.29%
1.97
Net Income
253.58
+13.45%
223.51
+12.33%
198.98
-15.14%
234.47
Pretax Income
309.60
+13.89%
271.85
+11.73%
243.30
-13.38%
280.87
Net Interest Income
504.48
+17.39%
429.75
+11.37%
385.86
-4.55%
404.25
Interest Expense
201.59
-0.29%
202.18
+40.15%
144.26
+358.85%
31.44
Interest Income
706.07
+11.73%
631.93
+19.20%
530.12
+21.67%
435.69
Gain On Sale Of Security
0.00
0.00
+100.00%
-7.12
-432.04%
2.14
Tax Provision
56.02
+15.91%
48.34
+9.05%
44.32
-4.48%
46.40
Tax Rate For Calcs
0.00
+1.80%
0.00
-2.41%
0.00
+10.29%
0.00
Tax Effect Of Unusual Items
0.01
-91.30%
0.08
-73.10%
0.29
-12.09%
0.33
Net Income Including Noncontrolling Interests
253.58
+13.45%
223.51
+12.33%
198.98
-15.14%
234.47
Net Income From Continuing Operation Net Minority Interest
253.58
+13.45%
223.51
+12.33%
198.98
-15.14%
234.47
Net Income From Continuing And Discontinued Operation
253.58
+13.45%
223.51
+12.33%
198.98
-15.14%
234.47
Net Income Continuous Operations
253.58
+13.45%
223.51
+12.33%
198.98
-15.14%
234.47
Normalized Income
253.55
+13.62%
223.15
+12.88%
197.69
-15.09%
232.83
Net Income Common Stockholders
253.58
+13.45%
223.51
+12.33%
198.98
-15.14%
234.47
Diluted EPS
1.77
+13.46%
1.56
+12.23%
1.39
-15.24%
1.64
Basic EPS
1.77
+13.46%
1.56
+12.23%
1.39
-15.24%
1.64
Basic Average Shares
143.07
+0.17%
142.82
+0.09%
142.69
+0.06%
142.60
Diluted Average Shares
143.45
+0.15%
143.23
+0.21%
142.94
-0.19%
143.21
Diluted NI Availto Com Stockholders
253.58
+13.45%
223.51
+12.33%
198.98
-15.14%
234.47
Amortization
16.85
+19.14%
14.14
+26.26%
11.20
-0.07%
11.21
Amortization Of Intangibles Income Statement
16.85
+19.14%
14.14
+26.26%
11.20
-0.07%
11.21
Depreciation Amortization Depletion Income Statement
16.85
+19.14%
14.14
+26.26%
11.20
-0.07%
11.21
Depreciation And Amortization In Income Statement
16.85
+19.14%
14.14
+26.26%
11.20
-0.07%
11.21
Insurance And Claims
6.49
-0.12%
6.50
-16.14%
7.75
+108.81%
3.71
Occupancy And Equipment
23.64
+0.00%
23.64
+5.97%
22.31
-0.21%
22.36
Other Non Interest Expense
36.56
+12.95%
32.37
+1.05%
32.03
-0.86%
32.31
Professional Expense And Contract Services Expense
14.25
-8.93%
15.65
+15.18%
13.59
+9.21%
12.44
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
15,446.48
+10.49%
13,979.42
+6.67%
13,105.59
+1.01%
12,974.07
Cash And Cash Equivalents
1,076.41
+41.00%
763.41
+42.27%
536.59
+62.27%
330.68
Cash Financial
249.47
-4.05%
260.00
-7.59%
281.35
-4.07%
293.29
Other Short Term Investments
2,765.44
+33.47%
2,071.94
-56.22%
4,732.76
-13.55%
5,474.36
Net PPE
149.99
-1.26%
151.90
+0.08%
151.79
-0.77%
152.97
Gross PPE
270.55
-4.28%
282.66
+3.72%
272.51
+1.40%
268.74
Accumulated Depreciation
-120.56
+7.79%
-130.75
-8.31%
-120.72
-4.28%
-115.77
Land And Improvements
40.22
+0.88%
39.87
+0.98%
39.48
+2.01%
38.70
Buildings And Improvements
176.76
+1.79%
173.66
+3.71%
167.45
+1.87%
164.37
Machinery Furniture Equipment
53.58
-22.51%
69.14
+10.36%
62.64
-0.11%
62.72
Leases
—
2.91
-0.89%
2.94
-0.44%
2.95
Goodwill And Other Intangible Assets
313.65
-0.11%
314.00
-0.20%
314.62
-0.29%
315.53
Investments And Advances
2,765.44
+33.47%
2,071.94
-56.22%
4,732.76
-13.55%
5,474.36
Total Liabilities Net Minority Interest
13,529.16
+9.35%
12,372.86
+6.60%
11,606.69
-0.87%
11,708.33
Payables And Accrued Expenses
27.22
+5.71%
25.75
+0.16%
25.71
+5.91%
24.28
Payables
27.22
+5.71%
25.75
+0.16%
25.71
+5.91%
24.28
Accounts Payable
—
—
—
—
Dividends Payable
27.22
+5.71%
25.75
+0.16%
25.71
+5.91%
24.28
Long Term Debt And Capital Lease Obligation
21.05
-82.61%
121.05
+474.99%
21.05
+0.00%
21.05
Long Term Debt
21.05
-82.61%
121.05
+474.99%
21.05
+0.00%
21.05
Stockholders Equity
1,917.32
+19.34%
1,606.56
+7.18%
1,498.90
+18.42%
1,265.74
Common Stock Equity
1,917.32
+19.34%
1,606.56
+7.18%
1,498.90
+18.42%
1,265.74
Capital Stock
1.43
+0.21%
1.43
+0.14%
1.43
+0.00%
1.43
Common Stock
1.43
+0.21%
1.43
+0.14%
1.43
+0.00%
1.43
Share Issued
143.21
+0.19%
142.94
+0.16%
142.72
+0.04%
142.66
Ordinary Shares Number
142.28
+0.18%
142.01
+0.16%
141.79
+0.04%
141.73
Treasury Shares Number
0.94
+0.70%
0.93
-0.04%
0.93
+0.10%
0.93
Additional Paid In Capital
699.63
+1.49%
689.34
+1.19%
681.25
+0.54%
677.59
Retained Earnings
1,486.19
+10.90%
1,340.08
+9.89%
1,219.53
+8.70%
1,121.94
Gains Losses Not Affecting Retained Earnings
-269.94
+36.38%
-424.29
-5.20%
-403.30
+24.65%
-535.23
Treasury Stock
14.27
+10.61%
12.90
+8.86%
11.86
+7.43%
11.04
Other Equity Adjustments
-269.94
+36.38%
-424.29
-5.20%
-403.30
+24.65%
-535.23
Total Equity Gross Minority Interest
1,917.32
+19.34%
1,606.56
+7.18%
1,498.90
+18.42%
1,265.74
Total Capitalization
1,938.37
+12.20%
1,727.61
+13.66%
1,519.95
+18.12%
1,286.79
Invested Capital
1,938.37
+12.20%
1,727.61
+13.66%
1,519.95
+18.12%
1,286.79
Total Debt
21.05
-82.61%
121.05
+474.99%
21.05
+0.00%
21.05
Net Tangible Assets
1,603.66
+24.07%
1,292.56
+9.14%
1,184.28
+24.63%
950.20
Tangible Book Value
1,603.66
+24.07%
1,292.56
+9.14%
1,184.28
+24.63%
950.20
Available For Sale Securities
—
4,328.77
—
—
Cash Cash Equivalents And Federal Funds Sold
1,077.99
+41.21%
763.41
+42.27%
536.59
+62.27%
330.68
Other Equity Interest
14.27
+10.61%
12.90
+8.86%
11.86
+7.43%
11.04
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
299.44
-3.29%
309.64
+8.71%
284.82
-12.17%
324.27
Cash Flow From Continuing Operating Activities
299.44
-3.29%
309.64
+8.71%
284.82
-12.17%
324.27
Net Income From Continuing Operations
253.58
+13.45%
223.51
+12.33%
198.98
-15.14%
234.47
Depreciation Amortization Depletion
13.65
+1.66%
13.43
+6.75%
12.58
-1.44%
12.76
Depreciation And Amortization
13.65
+1.66%
13.43
+6.75%
12.58
-1.44%
12.76
Stock Based Compensation
6.92
+40.23%
4.93
+15.93%
4.26
+7.53%
3.96
Deferred Tax
-0.55
+11.61%
-0.62
-72.70%
-0.36
+91.46%
-4.21
Deferred Income Tax
-0.55
+11.61%
-0.62
-72.70%
-0.36
+91.46%
-4.21
Operating Gains Losses
-0.04
+91.45%
-0.43
-107.80%
5.55
+234.82%
-4.12
Gain Loss On Investment Securities
-0.04
+91.45%
-0.43
-107.80%
5.55
+234.82%
-4.12
Change In Working Capital
-41.27
-516.43%
9.91
+1773.35%
0.53
+109.34%
-5.66
Change In Other Current Assets
-21.67
-204.31%
-7.12
-82.85%
-3.90
-204.06%
-1.28
Change In Other Current Liabilities
1.54
-86.20%
11.18
+67.75%
6.66
+122.53%
-29.58
Investing Cash Flow
-1,016.22
-37.91%
-736.88
-678.89%
127.29
+115.19%
-838.00
Cash Flow From Continuing Investing Activities
-1,016.22
-37.91%
-736.88
-678.89%
127.29
+115.19%
-838.00
Net PPE Purchase And Sale
-10.37
+30.07%
-14.82
-9.96%
-13.48
+7.66%
-14.60
Purchase Of PPE
-13.44
+19.62%
-16.72
+3.08%
-17.25
-9.29%
-15.78
Sale Of PPE
3.07
+61.96%
1.90
-49.67%
3.77
+217.96%
1.19
Capital Expenditure
-13.44
+19.62%
-16.72
+3.08%
-17.25
-9.29%
-15.78
Net Investment Purchase And Sale
-738.88
-1792.89%
43.65
-94.86%
849.20
+274.89%
226.52
Purchase Of Investment
-8,853.97
-34.16%
-6,599.46
-64.75%
-4,005.74
+8.66%
-4,385.68
Sale Of Investment
8,115.09
+22.16%
6,643.11
+36.83%
4,854.95
+5.26%
4,612.20
Net Business Purchase And Sale
—
—
—
0.00
Financing Cash Flow
1,031.35
+57.68%
654.06
+417.19%
-206.20
-165.29%
315.82
Cash Flow From Continuing Financing Activities
1,031.35
+57.68%
654.06
+417.19%
-206.20
-165.29%
315.82
Net Issuance Payments Of Debt
-112.38
+45.72%
-207.06
+13.15%
-238.43
-732.35%
-28.64
Net Long Term Debt Issuance
-112.38
+45.72%
-207.06
+13.15%
-238.43
-732.35%
-28.64
Net Common Stock Issuance
0.00
0.00
+100.00%
-2.74
+71.04%
-9.45
Common Stock Payments
0.00
0.00
+100.00%
-2.74
+71.04%
-9.45
Common Stock Dividend Paid
-106.00
-3.00%
-102.91
-2.95%
-99.97
-9.47%
-91.31
Cash Dividends Paid
-106.00
-3.00%
-102.91
-2.95%
-99.97
-9.47%
-91.31
Repurchase Of Capital Stock
0.00
0.00
+100.00%
-2.74
+71.04%
-9.45
Proceeds From Stock Option Exercised
3.38
+6.87%
3.16
+48.15%
2.13
-65.68%
6.21
Changes In Cash
314.57
+38.69%
226.82
+10.15%
205.91
+204.04%
-197.91
Beginning Cash Position
763.41
+42.27%
536.59
+62.27%
330.68
-37.44%
528.59
End Cash Position
1,077.99
+41.21%
763.41
+42.27%
536.59
+62.27%
330.68
Free Cash Flow
286.01
-2.36%
292.92
+9.47%
267.57
-13.26%
308.49
Interest Paid Supplemental Data
202.83
-1.29%
205.48
+52.02%
135.17
+342.59%
30.54
Income Tax Paid Supplemental Data
61.13
+48.73%
41.10
-11.95%
46.68
+2.74%
45.43
Excess Tax Benefit From Stock Based Compensation
0.49
+36.57%
0.36
+13.17%
0.32
-5.06%
0.34
Sale Of Business
—
—
—
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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