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FFINFirst Financial Bankshares, Inc.
$34.67$5.0B
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FFIN logoFirst Financial Bankshares, Inc.(FFIN)Earnings, Financials & Key Ratios

FFIN•NASDAQ•Banking & Credit
$34.67
19.6× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutFirst Financial Bankshares, Inc., through its subsidiaries, provides commercial banking products and services in Texas. The company accepts checking, savings and money market accounts, and time deposits; commercial and industrial, municipal, agricultural, construction and development, farm, non-owner occupied and owner-occupied commercial real estate, residential, and consumer auto and non-auto loans to businesses, professional individuals, and farm and ranch operations. It also provides drive-in and night deposit, remote deposit capture, internet and mobile banking, payroll cards, transmitting funds, and other customary commercial banking services, as well as automated teller machines and safe deposit facilities. In addition, the company offers personal trust services, including wealth management, administration of estates, testamentary trusts, revocable and irrevocable trusts, and agency accounts; and securities brokerage services, as well as administer retirements and employee benefits accounts, such as 401(k) profit-sharing plans and IRAs. Further, the company provides asset management and technology services. As of December 31, 2021, it had 78 financial centers across Texas. First Financial Bankshares, Inc. was founded in 1890 and is headquartered in Abilene, Texas.Show more
  • Net Interest Income$503M+17.1%
  • Total Revenue$826M+11.7%
  • Net Income$254M+13.5%
  • Return on Equity14.39%
  • Net Interest Margin3.26%+6.0%
  • Efficiency Ratio34.33%+1.0%
  • ROA1.72%+4.4%
  • Equity / Assets12.41%+8.0%
  • Book Value per Share13.36+19.1%

FFIN Price & Volume

First Financial Bankshares, Inc. (FFIN) stock price & volume — 10-year historical chart

Loading chart...

Operational Efficiency Drives Consistent Regional Bank Growth

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Expanding
Profitability:Strong
Financial:Healthy
Cash Flow:Robust
Primary Risk:Texas CRE concentration risk

Key Thesis Takeaways

  • First Financial Bankshares demonstrates a resilient growth profile underpinned by a 12.9 percent year-over-year increase in net interest income as of 2026Q1.
  • While the bank maintains a superior efficiency ratio of 35.7 percent, investors should monitor the concentration risk within the Texas commercial real estate market and potential valuation sensitivities in the 8.4 billion dollar securities portfolio.
  • The firm's ability to sustain a 0.9 percent net interest margin suggests a disciplined approach to navigating interest rate volatility.

Verdict Logic

while the bank exhibits strong operational discipline with a 35.7 percent efficiency ratio, the current 19.91 P/E TTM valuation warrants caution regarding potential upside limitations.

FFIN Growth Metrics

First Financial Bankshares, Inc. (FFIN) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years11.12%
5 Years10.92%
3 Years14.42%
TTM-

Profit CAGR

10 Years9.71%
5 Years4.65%
3 Years2.65%
TTM13.96%

EPS CAGR

10 Years8.68%
5 Years4.5%
3 Years2.58%
TTM13.58%

Return on Capital

10 Years15.89%
5 Years16.3%
3 Years16.43%
Last Year16.64%

FFIN Recent Earnings

First Financial Bankshares, Inc. (FFIN) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 2/12 qtrs (17%)
Q2 2026Latest
Apr 16, 2026
Metric
Actual
Est
EPS
$0.50+5.8%
$0.47
Rev
$167M+0.3%
$166M
Q1 2026
Jan 22, 2026
Metric
Actual
Est
EPS
$0.51+6.3%
$0.48
Rev
$165M-0.9%
$166M
Q4 2025
Oct 23, 2025
Metric
Actual
Est
EPS
$0.36-15.9%
$0.43
Rev
$158M-2.9%
$162M
Q3 2025
Jul 17, 2025
Metric
Actual
Est
EPS
$0.47+4.4%
$0.45
Rev
$157M+0.1%
$156M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 16, 2026
$0.50vs $0.47+5.8%
$167Mvs $166M+0.3%
Q1 2026Jan 22, 2026
$0.51vs $0.48+6.3%
$165Mvs $166M-0.9%
Q4 2025Oct 23, 2025
$0.36vs $0.43-15.9%
$158Mvs $162M-2.9%
Q3 2025Jul 17, 2025
$0.47vs $0.45+4.4%
$157Mvs $156M+0.1%
Based on last 12 quarters of dataView full earnings history →

Latest FFIN News

Recent stock market news and headlines for First Financial Bankshares, Inc. (FFIN)

Zacks Investment Research·Jun 29, 2026
First Financial Bankshares (FFIN) Could Be a Great Choice

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does First Financial (FFIN) have what it takes?

Peers Comparison

Key metrics vs top competitors for First Financial Bankshares, Inc. (FFIN)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
FFIN logoFFINFirst Financial Bankshares, Inc.Current
$34.67$4.97B19.5911.71%30.71%14.39%2.13%
IBOC logoIBOCInternational Bancshares Corporation
$75.98$4.72B11.481.03%39.31%13.16%—
BOKF logoBOKFBOK Financial Corporation
$140.43$8.53B15.30-1.07%18.3%10.31%—
CVBF logoCVBFCVB Financial Corp.
$22.58$3.06B14.86-2.33%32.4%9.16%—
UMBF logoUMBFUMB Financial Corporation
$146.01$11.12B15.9968.52%19.79%11.67%—
SFNC logoSFNCSimmons First National Corporation
$22.75$3.3B-7.71-56.66%-63.53%-10.51%—

Compare FFIN vs Peers

First Financial Bankshares, Inc. (FFIN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs IBOC

Most directly comparable listed peer for FFIN.

Scale Benchmark

vs V

Larger-name benchmark to compare FFIN against a more recognizable public peer.

Peer Set

Compare Top 5

vs IBOC, BOKF, CVBF, UMBF

FFIN SEC Filings & Documents

First Financial Bankshares, Inc. (FFIN) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 30, 2026·SEC

Material company update

Apr 29, 2026·SEC

Material company update

Apr 17, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 25, 2026·SEC

FY 2025

Feb 21, 2025·SEC

FY 2024

Feb 26, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 5, 2026·SEC

FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 1, 2025·SEC

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FFIN Frequently Asked Questions

First Financial Bankshares, Inc. (FFIN) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is First Financial Bankshares, Inc. growing?

First Financial Bankshares, Inc. (FFIN) grew revenue by 11.7% over the past year. This is steady growth.

Is FFIN profitable?

Yes, First Financial Bankshares, Inc. (FFIN) is profitable, generating $263.8M in net income for fiscal year 2025 (30.7% net margin).

Dividend & Returns
Does FFIN pay dividends?

Yes, First Financial Bankshares, Inc. (FFIN) pays a dividend with a yield of 2.13%. This makes it attractive for income-focused investors.

What is FFIN's return on equity?

First Financial Bankshares, Inc. (FFIN) has a return on equity (ROE) of 14.4%. This is reasonable for most industries.

Industry Metrics
What is First Financial Bankshares, Inc.'s net interest margin?

First Financial Bankshares, Inc. (FFIN) has a net interest margin (NIM) of 3.3%. This indicates healthy earnings from lending activities.

What is First Financial Bankshares, Inc.'s efficiency ratio?

First Financial Bankshares, Inc. (FFIN) has an efficiency ratio of 34.3%. This is excellent, indicating strong cost control.

What if you invested $1,000 in FFIN back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →