First Financial Bankshares, Inc.

NasdaqGS:FFIN Stock Report

Market Cap: US$4.7b

First Financial Bankshares Past Earnings Performance

Past criteria checks 5/6

First Financial Bankshares has been growing earnings at an average annual rate of 1.7%, while the Banks industry saw earnings growing at 4.4% annually. Revenues have been growing at an average rate of 2.9% per year. First Financial Bankshares's return on equity is 14.1%, and it has net margins of 42.5%.

Key information

1.72%

Earnings growth rate

1.45%

EPS growth rate

Banks Industry Growth11.18%
Revenue growth rate2.90%
Return on equity14.14%
Net Margin42.47%
Last Earnings Update30 Jun 2025

Recent past performance updates

Recent updates

First Financial Bankshares: Asset Quality And Growth Don't Justify An Upgrade

Jul 20

First Financial Bankshares (NASDAQ:FFIN) Is Increasing Its Dividend To $0.19

May 05
First Financial Bankshares (NASDAQ:FFIN) Is Increasing Its Dividend To $0.19

First Financial Bankshares: Looking A Little More Interesting

Apr 24

First Financial Bankshares: Excellent Q4 Results, But The Valuation Remains A Problem

Jan 31

First Financial Bankshares, Inc. (NASDAQ:FFIN) Just Released Its Third-Quarter Earnings: Here's What Analysts Think

Oct 21
First Financial Bankshares, Inc. (NASDAQ:FFIN) Just Released Its Third-Quarter Earnings: Here's What Analysts Think

First Financial Bankshares: An Outstanding Texan Bank

Sep 19

Staying The Course With First Financial Bankshares

Sep 08

First Financial: Buy This Hidden Gem For Regional Bank Recovery

May 03

First Financial Bankshares' (NASDAQ:FFIN) Dividend Will Be $0.18

Mar 01
First Financial Bankshares' (NASDAQ:FFIN) Dividend Will Be $0.18

First Financial Bankshares' (NASDAQ:FFIN) Dividend Will Be $0.18

Feb 08
First Financial Bankshares' (NASDAQ:FFIN) Dividend Will Be $0.18

First Financial Bankshares (NASDAQ:FFIN) Will Pay A Dividend Of $0.18

Dec 13
First Financial Bankshares (NASDAQ:FFIN) Will Pay A Dividend Of $0.18

First Financial Bankshares' (NASDAQ:FFIN) Shareholders Will Receive A Bigger Dividend Than Last Year

Nov 02
First Financial Bankshares' (NASDAQ:FFIN) Shareholders Will Receive A Bigger Dividend Than Last Year

First Financial Bankshares' (NASDAQ:FFIN) Shareholders Will Receive A Bigger Dividend Than Last Year

Aug 28
First Financial Bankshares' (NASDAQ:FFIN) Shareholders Will Receive A Bigger Dividend Than Last Year

First Financial Bankshares' (NASDAQ:FFIN) Upcoming Dividend Will Be Larger Than Last Year's

Aug 08
First Financial Bankshares' (NASDAQ:FFIN) Upcoming Dividend Will Be Larger Than Last Year's

First Financial Bankshares (NASDAQ:FFIN) Is Increasing Its Dividend To $0.18

May 31
First Financial Bankshares (NASDAQ:FFIN) Is Increasing Its Dividend To $0.18

First Financial Bankshares (NASDAQ:FFIN) Is Increasing Its Dividend To $0.17

Feb 10
First Financial Bankshares (NASDAQ:FFIN) Is Increasing Its Dividend To $0.17

Revenue & Expenses Breakdown

How First Financial Bankshares makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

NasdaqGS:FFIN Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Jun 255782461980
31 Mar 255542311930
31 Dec 245372241870
30 Sep 245102071810
30 Jun 244972011760
31 Mar 244882001700
31 Dec 234811991650
30 Sep 234902121630
30 Jun 235012211640
31 Mar 235122311660
31 Dec 225162341670
30 Sep 225152311700
30 Jun 225172311730
31 Mar 225142271730
31 Dec 215142281750
30 Sep 215202311800
30 Jun 215062251750
31 Mar 214962221700
31 Dec 204702021650
30 Sep 204381851540
30 Jun 204201751500
31 Mar 204011641460
31 Dec 193951651430
30 Sep 193861621400
30 Jun 193801591360
31 Mar 193731541380
31 Dec 183691511390
30 Sep 183571481380
30 Jun 183451381380
31 Mar 183331281350
31 Dec 173211201270
30 Sep 173161111290
30 Jun 173081071280
31 Mar 173041061260
31 Dec 163021051250
30 Sep 162991031240
30 Jun 162971041220
31 Mar 162901021180
31 Dec 152811001120
30 Sep 15275981070
30 Jun 15266951030
31 Mar 15260911000
31 Dec 1425790990

Quality Earnings: FFIN has high quality earnings.

Growing Profit Margin: FFIN's current net profit margins (42.5%) are higher than last year (40.5%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: FFIN's earnings have grown by 1.7% per year over the past 5 years.

Accelerating Growth: FFIN's earnings growth over the past year (22%) exceeds its 5-year average (1.7% per year).

Earnings vs Industry: FFIN earnings growth over the past year (22%) exceeded the Banks industry 13.2%.

Return on Equity

High ROE: FFIN's Return on Equity (14.1%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/10/16 04:55
End of Day Share Price 2025/10/16 00:00
Earnings2025/06/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

First Financial Bankshares, Inc. is covered by 14 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Bryce RoweBaird
David RochesterCantor Fitzgerald & Co.
John PancariEvercore ISI