FFIN

First Financial reported record 2025 net income of $253.6 million (diluted EPS $1.77), driven mainly by higher net interest income, with total assets rising to $15.45 billion and deposits increasing to $13.4 billion (up 11.2%). The board approved a 16% dividend increase to $0.22 per quarter, payable July 1, 2026 to shareholders of record on June 12, 2026. Shareholders overwhelmingly ratified the board slate, Ernst & Young as auditor, and the say-on-pay proposal (votes above 92%), while the trust business rebranded as First Financial Wealth Management after reporting market AUM of $11.94 billion. Interested in First Financial Bankshares, Inc.? Here are five stocks we like better. First Financial Bankshares (NASDAQ:FFIN) highlighted record 2025 earnings, deposit-driven balance sheet growth, and a higher quarterly dividend during its 2026 annual meeting of shareholders, where investors also approved director elections, the auditor appointment, and the company’s executive compensation advisory proposal. Executive Chairman F. Scott Dueser opened the meeting by emphasizing the importance of shareholder participation and noting it was the company’s 53rd annual meeting since becoming a bank holding company in 1973. David Copeland, president of SIPCO and the Shelton Family Foundation, reported that 89% of the company’s 143 million outstanding shares were represented by proxy or in person, establishing a quorum. → Homebuilder Earnings: D.R. Horton Sticks Out as Pulte & NVR Sales Tank Copeland later provided vote results on the three proposals presented: Director elections: All nominees received “in excess of 94%” of votes cast. Auditor ratification: “In excess of 98%” of votes cast ratified Ernst & Young LLP as independent auditor for the fiscal year ending Dec. 31, 2026. Say-on-pay: “In excess of 92%” of votes cast approved the compensation of named executive officers. Dueser said the company’s leadership transition was “going extremely well,” and reiterated his commitment to remain executive chairman for two more years while working closely with President and CEO David Bailey and the management team. → Meta Platforms Earnings Preview: What to Watch in Q1 2026 Report Michelle Hickox, executive vice president and chief financial officer of First Financial Bankshares, described 2025 as “a strong year,” citing record annual net income and “robust organic balance sheet g...

Find winning stocks in any market cycle. Join 7 million investors using Simply Wall St's investing ideas for FREE. First Financial Bankshares (FFIN) is back on investors’ radar after reporting first quarter 2026 results, with higher net interest income and net income alongside modestly higher net charge offs. See our latest analysis for First Financial Bankshares. The latest earnings announcement appears to have shifted sentiment, with a 1-day share price return of 4.88% and a 1-month share price return of 12.16%. However, the 1-year total shareholder return is 1.68% and the 5-year total shareholder return reflects a 25.57% decline, suggesting momentum has picked up recently despite a weaker longer track record. If the recent move in bank stocks has you thinking more broadly about your portfolio, it could be a good moment to scan for 19 top founder-led companies With earnings per share at US$0.50, an intrinsic value estimate that sits below the current US$32.47 share price, and a mixed long term return record, investors may ask whether there is still a buying opportunity here or whether the market is already pricing in future growth. On a P/E of 17.5x, First Financial Bankshares trades at a premium to both its own fair value estimate and to typical bank peers, even after the recent share price move. The P/E ratio compares the current share price to earnings per share, so a higher P/E often reflects investors paying more for each dollar of current earnings. For a bank like FFIN, that can reflect views on earnings quality, growth prospects, or income stability. There are some supportive elements here, including high quality earnings, earnings growth of 1.4% per year over the past 5 years with a 14% increase in the most recent year, and a net profit margin of 42.4% that is slightly higher than last year. Forecasts also point to earnings growth of about 8.31% per year and revenue growth of 9.5% per year, although both are expected to be slower than the broader US market, where earnings are forecast to grow 16% per year and revenue 10.9% per year. Compared with the US Banks industry average P/E of 11.9x and a fair P/E estimate of 12.8x, FFIN’s 17.5x stands out as materially higher. This suggests the current market price embeds stronger expectations than both peers and the SWS fair ratio model imply. Explore the SWS fair ratio for First Financial Bankshares Result...

First Financial Bankshares (FFIN) reported fiscal Q1 earnings late Thursday of $0.50 per diluted sha

ABILENE, Texas (AP) — ABILENE, Texas (AP) — First Financial Bankshares Inc. (FFIN) on Thursday reported net income of $71.5 million in its first quarter. The Abilene, Texas-based bank said it had earnings of 50 cents per share. The commercial banker operating mostly in Texas posted revenue of $215 million in the period. Its revenue net of interest expense was $170.7 million, surpassing Street forecasts. _____ This story was generated by Automated Insights (http://automatedinsights.com/ap) using data from Zacks Investment Research. Access a Zacks stock report on FFIN at https://www.zacks.com/ap/FFIN

ABILENE, Texas, April 16, 2026 /PRNewswire/ -- First Financial Bankshares, Inc. (the "Company," "we," "us" or "our") (NASDAQ: FFIN) today reported earnings for the first quarter of 2026 of $71.54 million compared to earnings of $73.31 million for the fourth quarter of 2025 and $61.35 million for the same quarter a year ago. Basic and diluted earnings per share were $0.50 for the quarter ended March 31, 2026 compared to $0.51 for the quarter ended December 31, 2025 and $0.43 for the quarter ended March 31, 2025. "We are pleased to start 2026 with a strong increase in net income of 16.6 percent year over year, primarily due to our core balance sheet growth and decreased funding costs over the past year," said David Bailey, President and CEO. "While the current macro environment is uncertain with the ongoing Iran conflict, our Company remains financially strong, sound and secure as reflected in our strong capital levels, diversified core deposit base, and sound lending practices. We appreciate our associates who work hard every day to build new customer relationships while providing exceptional service," added Mr. Bailey. Net interest income for the first quarter of 2026 was $134.79 million compared to $131.37 million for the fourth quarter of 2025 and $118.79 million for the first quarter of 2025. The net interest margin, on a tax-equivalent basis, was 3.86 percent for the first quarter of 2026 compared to 3.81 percent for the fourth quarter of 2025 and 3.74 percent for the first quarter of 2025. Net interest income was affected by a $1.26 million reversal of interest expense, improving the core margin by about 3 basis points. Average interest-earning assets were $14.54 billion for the first quarter of 2026 compared to $14.08 billion for the fourth quarter of 2025 and $13.16 billion for the same quarter a year ago. The Company recorded a provision for credit losses of $2.29 million for the first quarter of 2026 compared to a provision reversal of $2.49 million for the fourth quarter of 2025 and a provision for credit losses of $3.53 million for the first quarter of 2025. At March 31, 2026, the allowance for credit losses totaled $107.92 million, or 1.30 percent of loans held-for-investment ("loans" hereafter), compared to $105.54 million, or 1.29 percent of loans, at December 31, 2025 and $101.08 million, or 1.27 percent of loans, at March 31, 2025. Net charge...

First Financial Bankshares (FFIN) came out with quarterly earnings of $0.5 per share, beating the Zacks Consensus Estimate of $0.47 per share. This compares to earnings of $0.43 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +6.38%. A quarter ago, it was expected that this commercial banker operating mostly in Texas would post earnings of $0.48 per share when it actually produced earnings of $0.51, delivering a surprise of +6.25%. Over the last four quarters, the company has surpassed consensus EPS estimates three times. First Financial, which belongs to the Zacks Banks - Southwest industry, posted revenues of $170.68 million for the quarter ended March 2026, surpassing the Zacks Consensus Estimate by 1.59%. This compares to year-ago revenues of $151.72 million. The company has topped consensus revenue estimates four times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. First Financial shares have added about 4.3% since the beginning of the year versus the S&P 500's gain of 2.6%. While First Financial has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for First Financial was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You ca...

Make better investment decisions with Simply Wall St's easy, visual tools that give you a competitive edge. The promotion of David Bailey to CEO at First Financial Bankshares (FFIN), together with record quarterly net income and firm deposit growth in 2025, has sharpened attention on the bank's recent performance. See our latest analysis for First Financial Bankshares. Despite the leadership change and record results grabbing attention, the share price has been fairly muted. A 7 day share price return of 3.4% contrasts with a 1 year total shareholder return decline of 4.6%, which suggests momentum has been softening rather than building. If you are weighing up FFIN alongside other potential ideas, it could be a good moment to broaden your search and check out the 20 top founder-led companies With record quarterly net income, solid deposit growth and the shares trading at a discount to analysts’ price target and intrinsic value estimates, you have to ask: is FFIN undervalued, or is the market already pricing in future growth? At a last close of $29.98, First Financial Bankshares trades on a P/E of 16.8x, which looks expensive compared with both peers and its own estimated fair level. The P/E multiple compares the current share price to earnings per share and is a common way to gauge how much investors are paying for each dollar of profit. For a bank like FFIN, it often reflects expectations around earnings growth, balance sheet quality and the stability of those profits. FFIN is described as trading 33.4% below an internal estimate of fair value based on future cash flows. However, its 16.8x P/E sits above the US Banks industry average of 11.4x and above an estimated fair P/E of 12.8x. That gap suggests the market is willing to pay a premium over what the fair ratio model implies, and it also prices the company richer than the average bank, which is a level the P/E could move closer to if sentiment or expectations shift. Explore the SWS fair ratio for First Financial Bankshares Result: Price-to-earnings of 16.8x (OVERVALUED) However, you still need to weigh softer recent share returns and a richer P/E than many peers, which could limit the potential upside if sentiment cools further. Find out about the key risks to this First Financial Bankshares narrative. While the 16.8x P/E suggests FFIN looks expensive relative to peers and its own fair ratio, the SWS DCF...

Get insights on thousands of stocks from the global community of over 7 million individual investors at Simply Wall St. First Financial Bankshares (FFIN) just reported fourth quarter earnings above analyst estimates, with record net income, a higher net interest margin, strong capital levels, and solid deposit growth that helped lift investor sentiment. See our latest analysis for First Financial Bankshares. The recent earnings beat and stronger net interest margin have come alongside a 30 day share price return of 8.85% and a year to date share price return of 12.26%. However, the 1 year total shareholder return is a 5.74% decline, which suggests recent momentum contrasts with a weaker long term picture. If strong bank earnings have you thinking about where else capital might work hard, this could be a good moment to broaden your search with fast growing stocks with high insider ownership. With earnings ahead of expectations, a higher net interest margin, and shares still below some valuation estimates, the key question is whether FFIN is quietly undervalued or whether the market is already pricing in future growth. First Financial Bankshares currently trades on a P/E of 19.8x, which sits above the broader US Banks industry but below its own peer group and some fair value estimates. The P/E ratio compares the company’s share price with its earnings per share and is a common way investors think about paying for bank earnings. With earnings growing 17.1% over the past year, high quality earnings, and net profit margins at 41.7%, a higher multiple can reflect the market’s willingness to pay up for that earnings profile. Against the US Banks industry average P/E of 12.1x, FFIN’s 19.8x looks materially richer, and it also sits above an estimated fair P/E of 12.7x that our models suggest the market could gravitate toward. However, compared with a peer average P/E of 27.4x, the same 19.8x appears more conservative, which shows how split the picture is depending on the comparison point. Explore the SWS fair ratio for First Financial Bankshares Result: Price-to-Earnings of 19.8x (OVERVALUED) However, there are still risks, including a 1 year total return decline of 5.74% and a current P/E premium to the broader US Banks industry that could compress. Find out about the key risks to this First Financial Bankshares narrative. While the P/E of 19.8x looks rich compared...

ABILENE, Texas (AP) — ABILENE, Texas (AP) — First Financial Bankshares Inc. (FFIN) on Thursday reported net income of $73.3 million in its fourth quarter. The Abilene, Texas-based bank said it had earnings of 51 cents per share. The commercial banker operating mostly in Texas posted revenue of $216.2 million in the period. Its revenue net of interest expense was $168.4 million, which topped Street forecasts. For the year, the company reported profit of $253.6 million, or $1.77 per share. Revenue was reported as $644.3 million. _____ This story was generated by Automated Insights (http://automatedinsights.com/ap) using data from Zacks Investment Research. Access a Zacks stock report on FFIN at https://www.zacks.com/ap/FFIN

ABILENE, Texas, Jan. 22, 2026 /PRNewswire/ -- First Financial Bankshares, Inc. (the "Company," "we," "us" or "our") (NASDAQ: FFIN) today reported earnings of $73.31 million for the fourth quarter of 2025 compared to earnings of $52.27 million for the third quarter of 2025 and $62.32 million for the same quarter a year ago. Diluted earnings per share were $0.51 for the fourth quarter of 2025 compared with $0.36 for the third quarter of 2025 and $0.43 for the fourth quarter of 2024. For the year ended December 31, 2025, the Company reported net income of $253.58 million, or $1.77 per diluted share, compared to $223.51 million, or $1.56 per diluted share, for the year ended December 31, 2024, reflecting an increase of $30.07 million, or 13.45 percent. "We are pleased to report a strong finish to 2025, highlighted by record quarterly net income. We are especially happy with the strong deposit growth during the quarter, which will set us up well to grow both loans and securities in 2026," said F. Scott Dueser, Chairman and CEO of First Financial Bankshares, Inc. "We are encouraged by our organic balance sheet growth of almost $1.50 billion in the past year, increasing earning assets while continuing to grow net interest income. As we enter 2026, we will continue to remain focused on sound lending growth, managing the changing interest rate environment and the regulatory landscape. We appreciate the continued support of our customers, shareholders and associates and assure you that we will continue to put You First!" Net interest income for the fourth quarter of 2025 was $131.37 million compared to $127.00 million for the third quarter of 2025 and $116.12 million for the fourth quarter of 2024. The net interest margin, on a tax- equivalent basis, was 3.81 percent for the fourth quarter of 2025 compared to 3.80 percent for the third quarter of 2025 and 3.67 percent in the fourth quarter of 2024. Average interest-earning assets were $14.08 billion for the fourth quarter of 2025 compared to $12.86 billion for the same quarter a year ago. The Company recorded a credit provision reversal of $2.49 million for the fourth quarter of 2025 compared to a provision for credit losses of $24.44 million for the third quarter of 2025 and $1.00 million in the fourth quarter 2024. The Company recorded a provision for credit losses of $28.61 million for the year ended December 31, 2...

Ideally, your overall portfolio should beat the market average. But even the best stock picker will only win with some selections. So we wouldn't blame long term First Financial Bankshares, Inc. (NASDAQ:FFIN) shareholders for doubting their decision to hold, with the stock down 21% over a half decade. But it's up 5.2% in the last week. On a more encouraging note the company has added US$221m to its market cap in just the last 7 days, so let's see if we can determine what's driven the five-year loss for shareholders. This technology could replace computers: discover the 20 stocks are working to make quantum computing a reality. There is no denying that markets are sometimes efficient, but prices do not always reflect underlying business performance. One imperfect but simple way to consider how the market perception of a company has shifted is to compare the change in the earnings per share (EPS) with the share price movement. During the unfortunate half decade during which the share price slipped, First Financial Bankshares actually saw its earnings per share (EPS) improve by 5.3% per year. So it doesn't seem like EPS is a great guide to understanding how the market is valuing the stock. Alternatively, growth expectations may have been unreasonable in the past. It is unusual to see such modest share price growth in the face of sustained EPS improvements. We can look to other metrics to try to understand the situation better. Revenue is actually up 2.7% over the time period. So it seems one might have to take closer look at the fundamentals to understand why the share price languishes. After all, there may be an opportunity. You can see below how earnings and revenue have changed over time (discover the exact values by clicking on the image). It's probably worth noting we've seen significant insider buying in the last quarter, which we consider a positive. On the other hand, we think the revenue and earnings trends are much more meaningful measures of the business. So we recommend checking out this free report showing consensus forecasts As well as measuring the share price return, investors should also consider the total shareholder return (TSR). The TSR is a return calculation that accounts for the value of cash dividends (assuming that any dividend received was reinvested) and the calculated value of any discounted capital raisings and spin-offs. Arguably,...

First Financial Bankshares (FFIN) posted net profit margins of 41.7%, up from 40.6% a year earlier, as the bank’s earnings shot up 17.1% over the past year. This far outpaced its 1.2% five-year average annual growth. Looking ahead, analysts see earnings growing by 9.58% per year and revenue by 8.6% annually, both running behind the wider US market pace. With high quality earnings, growing dividends, and a share price tracking below fair value and analyst targets, investors have plenty to weigh as the company approaches its next earnings release. See our full analysis for First Financial Bankshares. Next up, we’ll see how these headline numbers stack up against the most widely held narratives. Some will ring true, and others may get challenged by the details. Curious how numbers become stories that shape markets? Explore Community Narratives Net profit margin landed at 41.7%, sitting above the industry average and rising from last year’s 40.6%. High profitability ties into the view that steady margins can provide a buffer for investors even while growth forecasts trail the wider US market. Investors watching for defensive picks see FFIN’s stable margins as a mark of conservative management, a point noted by the prevailing market view. Although forecasted earnings growth of 9.58% is below the market average, steady margin expansion supports the idea that FFIN is positioned among regional banks as a solid operator. The company trades at a price-to-earnings ratio of 18.2x, which is above both peer and industry averages, while the current share price of $31.12 remains below its $37.60 analyst price target and $42.62 DCF fair value. This valuation mix creates a situation where some observers may view the stock as expensive on multiples, whereas others see a relative bargain compared to traditional fair value estimates: The current share price below analyst and fair value targets maintains the possibility of potential upside, reinforcing ongoing “fair value” sentiment in broader discussions. However, the higher trading multiple indicates the market may be pricing in perceived balance sheet strength and historically robust margins, in addition to growth. FFIN continues to offer an attractive dividend in the view of data providers, with its ongoing payout highlighted as a key feature for those focused on steady income. The bank’s dividends and earnings quality are vi...