FFIN

ABILENE, Texas, July 16, 2026 /PRNewswire/ -- First Financial Bankshares, Inc. (the "Company," "we," "us" or "our") (NASDAQ: FFIN) today reported earnings of $71.89 million for the second quarter of 2026 compared to earnings of $66.66 million for the same quarter a year ago and $71.54 million for the quarter ended March 31, 2026. Basic and diluted earnings per share were $0.50 for the second quarter of 2026 compared with $0.47 for the second quarter of 2025 and $0.50 for the linked quarter. "Our second quarter results reflect solid year-over-year earnings growth, highlighted by expansion in our net interest margin and continued increases in fee income generated by wealth management and mortgage banking," said David Bailey, President and CEO. "As we look ahead, we remain focused on disciplined growth, prudent risk management and creating long term value for shareholders. We appreciate the dedication of our associates across Texas and their commitment to serving our customers and communities with excellence." Net interest income for the second quarter of 2026 was $136.91 million compared to $123.73 million for the second quarter of 2025 and $134.79 million for the first quarter of 2026. The net interest margin, on a tax-equivalent basis, was 3.90 percent for the second quarter of 2026 compared to 3.81 percent for the second quarter of 2025 and 3.86 percent for the first quarter of 2026. Net interest income and margin benefited from a decrease in deposit costs as well as improved securities yields over the past year. Average interest-earning assets were $14.46 billion for the second quarter of 2026 compared to $13.34 billion for the same quarter a year ago and $14.54 billion for the first quarter of 2026. The Company recorded a provision for credit losses of $4.18 million for the second quarter of 2026 compared to a provision for credit losses of $3.13 million for the second quarter of 2025 and $2.29 million for the first quarter of 2026. At June 30, 2026, the allowance for credit losses totaled $112.43 million, or 1.35 percent of loans held-for-investment ("loans" hereafter), compared to $102.79 million, or 1.27 percent of loans, at June 30, 2025, and $107.92 million, or 1.30 percent of loans, at March 31, 2026. Additionally, the reserve for unfunded commitments totaled $6.21 million at June 30, 2026 compared to $9.91 million at June 30, 2025, and $5.94 millio...

First Financial Bankshares (FFIN) reported Q2 earnings late Thursday of $0.50 per diluted share, up

First Financial Bankshares (FFIN) came out with quarterly earnings of $0.5 per share, in line with the Zacks Consensus Estimate . This compares to earnings of $0.47 per share a year ago. These figures are adjusted for non-recurring items. A quarter ago, it was expected that this commercial banker operating mostly in Texas would post earnings of $0.47 per share when it actually produced earnings of $0.5, delivering a surprise of +6.38%. Over the last four quarters, the company has surpassed consensus EPS estimates two times. First Financial, which belongs to the Zacks Banks - Southwest industry, posted revenues of $176.56 million for the quarter ended June 2026, surpassing the Zacks Consensus Estimate by 2.17%. This compares to year-ago revenues of $159.53 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 17.9% since the beginning of the year versus the S&P 500's gain of 10.6%. 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 can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. It wi...

ABILENE, Texas (AP) — ABILENE, Texas (AP) — First Financial Bankshares Inc. (FFIN) on Thursday reported net income of $71.9 million in its second quarter. The bank, based in Abilene, Texas, said it had earnings of 50 cents per share. The commercial banker operating mostly in Texas posted revenue of $221.8 million in the period. Its revenue net of interest expense was $176.6 million, exceeding 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

First Financial Bankshares trades at $34.88 and has moved in lockstep with the market. Its shares have returned 11.3% over the last six months while the S&P 500 has gained 7.7%. Is there a buying opportunity in First Financial Bankshares, or does it present a risk to your portfolio? Get the full breakdown from our expert analysts, it’s free. We’re sitting this one out for now. Here are three reasons you should be careful with FFIN, plus one stock we’d rather own. In general, banks make money from two primary sources. The first is net interest income, which is interest earned on loans, mortgages, and investments in securities minus interest paid out on deposits. The second source is non-interest income, which can come from bank account, credit card, wealth management, investment banking, and trading fees. Over the last five years, First Financial Bankshares grew its revenue at a sluggish 5.3% compounded annual growth rate. This fell short of our benchmark for the banking sector. Net interest income commands greater market attention due to its reliability and consistency, whereas one-time fees are often seen as lower-quality revenue that lacks the same dependable characteristics. First Financial Bankshares’s net interest income has grown at a 7.4% annualized rate over the last five years, worse than the broader banking industry. We track the long-term change in earnings per share (EPS) because it highlights whether a company’s growth is profitable. First Financial Bankshares’s weak 4.7% annual EPS growth over the last five years aligns with its revenue performance. This tells us it maintained its per-share profitability as it expanded. First Financial Bankshares’s business quality ultimately falls short of our standards. That said, the stock currently trades at 2.4× forward P/B (or $34.88 per share). This valuation tells us it’s a bit of a market darling with a lot of good news priced in - we think there are better stocks to buy right now. Let us point you toward the Amazon and PayPal of Latin America. ONE MORE THING: Top 6 Stocks for This Week. This market is separating quality stocks from expensive ones fast. AI is taking down whole sectors with no warning. In a rotation this fast, you need more than a list of good companies. Our AI system flagged Palantir before it ran 1,662%. AppLovin before it ran 753%. Nvidia before it ran 1,178%. Each week it produces 6...

First Financial Bankshares has had an impressive run over the past six months as its shares have beaten the S&P 500 by 7%. The stock now trades at $34.93, marking a 13.2% gain. This was partly thanks to its solid quarterly results, and the run-up might have investors contemplating their next move. Is there a buying opportunity in First Financial Bankshares, or does it present a risk to your portfolio? Get the full stock story straight from our expert analysts, it’s free. Despite the momentum, we don’t have much confidence in First Financial Bankshares. Here are three reasons we avoid FFIN, plus one stock we’d rather own. From lending activities to service fees, most banks build their revenue model around two income sources. Interest rate spreads between loans and deposits create the first stream, with the second coming from charges on everything from basic bank accounts to complex investment banking transactions. Over the last five years, First Financial Bankshares grew its revenue at a sluggish 5.3% compounded annual growth rate. This was below our standard for the banking sector. Net interest income commands greater market attention due to its reliability and consistency, whereas one-time fees are often seen as lower-quality revenue that lacks the same dependable characteristics. First Financial Bankshares’s net interest income has grown at a 7.4% annualized rate over the last five years, worse than the broader banking industry. We track the long-term change in earnings per share (EPS) because it highlights whether a company’s growth is profitable. First Financial Bankshares’s weak 4.7% annual EPS growth over the last five years aligns with its revenue performance. This tells us it maintained its per-share profitability as it expanded. First Financial Bankshares isn’t a terrible business, but it isn’t one of our picks. With its shares topping the market in recent months, the stock trades at 2.3× forward P/B (or $34.93 per share). This valuation tells us a lot of optimism is priced in - we think there are better opportunities elsewhere. We’d suggest looking at one of our all-time favorite software stocks. ONE MORE THING: Top 5 Growth Stocks. The biggest stock winners almost always had one thing in common before they ran. Revenue growing like crazy. Meta. CrowdStrike. Broadcom. Our AI flagged all three. They returned 315%, 314%, and 455%, respectively. Find...

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...