First Financial Bankshares, Inc. (FFIN) Earnings History
Steady Earner33 years of earnings data (1993–2025) · Positive but moderate multi-year EPS trajectory
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First Financial Bankshares, Inc. (FFIN) Earnings Overview
As of July 7, 2026, First Financial Bankshares, Inc. (FFIN) reported trailing twelve-month net income of $264M, reflecting +13.5% year-over-year growth. The company earned $1.84 per diluted share over the past four quarters, with a net profit margin of 30.7%.
Looking at the long-term picture, FFIN's 5-year EPS compound annual growth rate (CAGR) stands at +4.5%, reflecting modest earnings expansion. The company achieved its highest annual net income of $254M in fiscal 2025, representing a new all-time high.
First Financial Bankshares, Inc. maintains industry-leading profitability with a gross margin of 71.8%, operating margin of 37.5%, and net margin of 30.7%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including IBOC ($418M net income, 39.1% margin), BOKF ($614M net income, 17.4% margin), CVBF ($209M net income, 32.5% margin), FFIN has room to improve margins relative to the peer group. Compare FFIN vs IBOC →
FFIN Earnings vs Peers
Earnings metrics vs comparable public companies
FFIN Historical Earnings Data (1993–2025)
33 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $254M | +13.5% | $310M | $1.77 | 30.7% | 37.5% |
| 2024 | $224M | +12.3% | $272M | $1.56 | 30.2% | 36.8% |
| 2023 | $199M | -15.1% | $243M | $1.39 | 32.0% | 39.1% |
| 2022 | $234M | +3.0% | $281M | $1.64 | 42.5% | 51.0% |
| 2021 | $228M | +12.6% | $272M | $1.59 | 45.0% | 53.8% |
| 2020 | $202M | +22.6% | $242M | $1.42 | 41.1% | 49.3% |
| 2019 | $165M | +9.4% | $198M | $1.21 | 39.5% | 47.5% |
| 2018 | $151M | +25.1% | $178M | $1.11 | 39.3% | 46.5% |
| 2017 | $120M | +14.9% | $147M | $0.91 | 36.6% | 44.8% |
| 2016 | $105M | +4.4% | $136M | $0.80 | 33.9% | 44.0% |
| 2015 | $100M | +12.1% | $132M | $0.77 | 34.9% | 45.8% |
| 2014 | $90M | +13.6% | $119M | $0.70 | 34.8% | 46.1% |
| 2013 | $79M | +6.3% | $105M | $0.62 | 34.0% | 45.1% |
| 2012 | $74M | +8.6% | $99M | $0.59 | 35.2% | 47.2% |
| 2011 | $68M | +14.6% | $92M | $0.54 | 33.2% | 44.8% |
| 2010 | $60M | +10.9% | $78M | $0.48 | 30.7% | 40.3% |
| 2009 | $54M | +1.2% | $72M | $0.43 | 27.6% | 37.1% |
| 2008 | $53M | +7.4% | $74M | $0.43 | 25.5% | 35.4% |
| 2007 | $49M | +7.5% | $70M | $0.40 | 22.7% | 32.1% |
| 2006 | $46M | +4.6% | $65M | $0.37 | 23.1% | 32.8% |
| 2005 | $44M | +12.4% | $62M | $0.35 | 26.2% | 37.1% |
| 2004 | $39M | +11.0% | $55M | $0.32 | 28.2% | 39.6% |
| 2003 | $35M | +4.0% | $50M | $0.28 | 27.3% | 38.6% |
| 2002 | $34M | +15.7% | $49M | $0.22 | 25.3% | 36.1% |
| 2001 | $29M | +3.7% | $42M | $0.19 | 20.4% | 29.3% |
| 2000 | $28M | +10.2% | $41M | $0.18 | 19.7% | 28.5% |
| 1999 | $26M | +10.3% | $37M | $0.21 | 19.1% | 27.7% |
| 1998 | $23M | +11.0% | $34M | $0.19 | 17.3% | 25.6% |
| 1997 | $21M | +10.5% | $32M | $0.07 | 17.4% | 26.1% |
| 1996 | $19M | +15.9% | $29M | $0.06 | 18.0% | 27.3% |
| 1995 | $16M | +25.2% | $25M | $0.15 | 19.3% | 29.2% |
| 1994 | $13M | -1.5% | $20M | $0.03 | 17.9% | 26.7% |
| 1993 | $13M | - | $18M | $0.03 | 20.7% | 27.6% |
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FFIN — Frequently Asked Questions
Quick answers to the most common questions about buying FFIN stock.
What is FFIN earnings per share (EPS)?
FFIN trailing twelve-month (TTM) diluted EPS is $1.84, reflecting +13.5% year-over-year growth. The 5-year EPS CAGR is +4.5%. Complete EPS history from 1993 to 2025 is available in the table on this page.
What is First Financial Bankshares, Inc.'s net income?
First Financial Bankshares, Inc. (FFIN) trailing twelve-month net income is $264M as of 2025. Earnings grew +13.5% year-over-year. First Financial Bankshares, Inc. has been profitable for 33 consecutive years.
Is FFIN profitable?
Yes, FFIN is profitable with a TTM net income of $264M and a net profit margin of +30.7%. First Financial Bankshares, Inc. has generated profits for 33 consecutive years.
What is FFIN's earnings growth rate?
FFIN compound annual EPS growth rates (CAGR): 1-Year: +13.5%, 3-Year: +2.6%, 5-Year: +4.5%, 10-Year: +8.7%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1993 to 2025.
What are FFIN's profit margins?
First Financial Bankshares, Inc. net profit margin is +30.7%, operating margin is +37.5%, and gross margin is +71.8%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +14.4%.
Is FFIN growing earnings?
FFIN is growing earnings steadily. YoY EPS growth of +13.5% is consistent with the 5-year CAGR of +4.5%. TTM net income is $264M.
What was FFIN's best earnings year?
First Financial Bankshares, Inc.'s highest annual net income on record is $254M, achieved in fiscal year 2025. Earnings history on this page spans 1993 to 2025 and includes all annual and quarterly figures.
What were FFIN's earnings last quarter?
FFIN's most recent reported quarter was Q1 2026. Net income was $72M with diluted EPS of $0.50. For a full breakdown of all quarters, see the quarterly earnings table on this page.