First Financial Bankshares Inc (FFIN) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, First Financial Bankshares reported revenue of $631.6M, up 14.7% from $550.7M the year before. Net income was $253.6M (a 40.1% net margin), or $1.77 per diluted share. Net interest income was $500.9M, and the efficiency ratio (noninterest expense / revenue) was 46.5%. Operating activities generated $299.4M of cash, leaving $286.0M of free cash flow. At fiscal year end, First Financial Bankshares held $15.45B in total assets against $13.53B in total liabilities.
Open the full interactive First Financial Bankshares financials → Quarterly statements, key ratios, valuation history and price charts.
First Financial Bankshares Key Stats
| Share Price | $30.81 |
|---|---|
| Market Cap | $4.43B |
| P/E Ratio | 17.4 |
| Revenue YoY Growth | +14.7% |
| 52-Week Range | $28.21 – $36.26 |
| Shares Outstanding | 143.3 million (basic, 2026 Q2) |
First Financial Bankshares Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $349.9M | $370.4M | $401.4M | $383.8M | $426.7M | $500.9M |
| Provision for Credit Losses | $19.5M | -$1.1M | $17.4M | $10.6M | $13.8M | $28.6M |
| Noninterest Income | $139.9M | $142.2M | $131.7M | $108.0M | $124.0M | $130.7M |
| Noninterest Expense | $227.9M | $241.7M | $234.8M | $237.9M | $265.1M | $293.4M |
| Revenue | $489.8M | $512.5M | $533.1M | $491.8M | $550.7M | $631.6M |
| Pre-Tax Income | $242.4M | $272.0M | $280.9M | $243.3M | $271.8M | $309.6M |
| Income Tax | $40.3M | $44.4M | $46.4M | $44.3M | $48.3M | $56.0M |
| Net Income | $202.0M | $227.6M | $234.5M | $199.0M | $223.5M | $253.6M |
| Diluted EPS | $1.42 | $1.59 | $1.64 | $1.39 | $1.56 | $1.77 |
First Financial Bankshares Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $161.3M | $164.7M | $166.9M | $172.8M |
| Net Income | $52.3M | $73.3M | $71.5M | $71.9M |
| Diluted EPS | $0.36 | $0.51 | $0.50 | $0.50 |
First Financial Bankshares Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | $5.10B | $5.33B | $6.37B | $7.06B | — | — |
| Total Assets | $10.90B | $13.10B | $12.97B | $13.11B | $13.98B | $15.45B |
| Deposits | $8.68B | $10.57B | $11.01B | $11.14B | $12.10B | $13.35B |
| Total Long-Term Debt | — | $21.1M | $21.1M | $21.1M | $121.1M | $21.1M |
| Total Liabilities | $9.23B | $11.34B | $11.71B | $11.61B | $12.37B | $13.53B |
| Shareholders' Equity | $1.68B | $1.76B | $1.27B | $1.50B | $1.61B | $1.92B |
First Financial Bankshares Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $210.7M | $353.2M | $323.9M | $284.8M | $309.6M | $299.4M |
| Cash From Investing | -$1.26B | -$2.61B | -$838.0M | $127.3M | -$736.9M | -$1.02B |
| Cash From Financing | $1.50B | $2.06B | $316.2M | -$206.2M | $654.1M | $1.03B |
| Free Cash Flow | $194.2M | $334.0M | $308.2M | $267.6M | $292.9M | $286.0M |
Figures from First Financial Bankshares' 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full First Financial Bankshares financials page for every line item.
First Financial Bankshares Company Profile
| Ticker | FFIN |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Abilene, Texas |
| Incorporated in | Texas |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0000036029 |
Frequently Asked Questions
What was First Financial Bankshares' revenue in fiscal 2025?
First Financial Bankshares (FFIN) reported revenue of $631.6M for fiscal 2025.
What is First Financial Bankshares' annual revenue history?
First Financial Bankshares' annual revenue by fiscal year: 2020: $489.8M; 2021: $512.5M; 2022: $533.1M; 2023: $491.8M; 2024: $550.7M; 2025: $631.6M.
What was First Financial Bankshares' net income in fiscal 2025?
First Financial Bankshares reported net income of $253.6M for fiscal 2025.
What was First Financial Bankshares' earnings per share (EPS) in fiscal 2025?
First Financial Bankshares' diluted EPS was $1.77 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did First Financial Bankshares generate in fiscal 2025?
First Financial Bankshares generated $286.0M of free cash flow in fiscal 2025.
What was First Financial Bankshares' revenue last quarter?
In its most recent reported quarter (2026 Q2), First Financial Bankshares reported revenue of $172.8M.
How much debt does First Financial Bankshares have?
First Financial Bankshares reported $21.1M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of First Financial Bankshares are outstanding?
First Financial Bankshares reported a weighted average of 143.3 million basic shares outstanding in 2026 Q2.
What is First Financial Bankshares' market cap?
Based on its latest closing price, First Financial Bankshares (FFIN) has a market capitalization of about $4.43B.
When does First Financial Bankshares' fiscal year end?
First Financial Bankshares' fiscal year end, as registered with the SEC, is December 31.
Where is First Financial Bankshares headquartered?
First Financial Bankshares lists its business address in Abilene, Texas in its SEC filings.