FIRST FINANCIAL BANKSHARES INC

FFIN

FIRST FINANCIAL BANKSHARES INC

FFIN

Insider Sentiment (TTM):

Last Purchase:2026-06-11Last Sale:2024-12-12Shares Purchased (TTM):33,476Shares Sold (TTM):0

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:85,938,641Shares Outstanding:143,210,755Institutional Ownership Pct.:60.01%

Earnings Market Reaction:

Filing Date:2026-08-04Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Cash And Due From Banks	285	265	249	237	264	233	260	296	263	222	281	208
Federal Funds Sold	9	14	2	12	9	12	0	0	3	12	-	-
Interest Bearing Deposits In Banks	287	458	827	402	436	682	503	287	103	365	255	180
Cash Cash Equivalents And Federal Funds Sold	580	737	1,078	651	708	927	763	584	369	600	537	388
Available For Sale Securities Debt Securities	5,676	5,669	5,514	5,261	4,887	4,760	4,618	4,612	4,573	4,659	4,733	4,653
Loans Receivables Net
Assets
Assets	15,306	15,388	15,446	14,842	14,377	14,312	13,979	13,583	13,164	13,191	13,106	12,777
Long Term Investments	-	-	-	-	-	-	-	-	-	-	7,149	6,995
Loans And Leases Receivable Allowance	-	-	-	-	-	-	-	-	-	-90	-89	-90
Loans And Leases Receivable Net Reported Amount	-	-	-	-	-	-	-	-	-	7,140	7,060	6,905
Loans Receivable Held For Sale Net Not Part Of Dis…	24	23	30	26	33	14	8	20	20	16	14	12
Property Plant And Equipment Net	156	151	150	150	149	151	152	151	153	152	152	153
Intangible Assets Net Including Goodwill	314	314	314	314	314	314	314	314	314	314	315	315
Other Assets	323	317	308	303	314	301	309	278	310	310	296	352
Noninterest Bearing Deposit Liabilities	3,479	3,386	3,401	3,446	3,439	3,357	3,348	3,303	3,289	3,348	3,436	3,478
Interest Bearing Deposit Liabilities	9,641	9,859	9,944	9,400	9,009	9,110	8,751	8,453	8,120	7,942	7,703	7,239
Deposits	13,120	13,245	13,346	12,846	12,448	12,467	12,099	11,756	11,409	11,290	11,138	10,717
Dividends Payable Current And Noncurrent	32	27	27	27	27	26	26	26	26	26	26	26
Secured Debt Repurchase Agreements	54	68	63	51	48	57	61	58	139	307	382	622
Short Term Borrowings	22	22	22	22	22	27	136	26	24	27	22	130
Accounts Payable Trade Current And Noncurrent	-	-	-	0	25	-	-	5	0	-	-	3
Liabilities And Stockhold…
Liabilities And Stockholders Equity	15,306	15,388	15,446	14,842	14,377	14,312	13,979	13,583	13,164	13,191	13,106	12,777
Other Liabilities	83	81	72	65	69	56	51	50	48	50	39	41
Liabilities	13,310	13,444	13,529	13,011	12,639	12,632	12,373	11,921	11,645	11,700	11,607	11,537
Common Stock Value	1	1	1	1	1	1	1	1	1	1	1	1
Additional Paid In Capital Common Stock	704	702	700	697	694	692	689	687	685	684	681	679
Retained Earnings Accumulated Deficit	1,571	1,530	1,486	1,440	1,415	1,376	1,340	1,304	1,274	1,247	1,220	1,199
Stockholders Equity
Stockholders Equity	1,997	1,944	1,917	1,830	1,737	1,680	1,607	1,662	1,519	1,491	1,499	1,240
Accumulated Other Comprehensive Income Loss Net Of…	-280	-290	-270	-309	-373	-389	-424	-330	-442	-441	-403	-640
Available For Sale Debt Securities Amortized Cost …	6,030	6,036	5,856	5,652	5,360	5,253	5,155	5,030	5,132	5,218	5,244	5,463
Loans Held For Sale Fair Value Disclosure	19	18	25	25	32	14	8	17	19	15	11	12
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	200	200	200	200	200	200	200	200	200	200	200	200
Common Stock Shares Issued	143	143	143	143	143	143	143	143	143	143	143	143

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	1.43%	10.10%	8.35%	-	-	-	-	-	-	-	-	-
2025	3.01%	6.15%	7.06%	10.54%	2.95%	-6.91%	-0.35%	-1.00%	5.10%	-11.01%	-0.18%	-4.40%
2024	-2.44%	-8.39%	16.77%	-4.81%	-0.43%	0.35%	15.52%	0.67%	5.21%	-2.35%	-14.58%	-5.38%
2023	-	-	-	-	-	-	7.99%	18.76%	26.40%	1.82%	-1.78%	4.01%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.39	-0.38	-0.38	-0.39	-0.35	-0.36	-0.00	1.16	2.51	2.45	2.69	3.80
Efficiency & Turnover
Days Sales Outstanding TTM	-	-	-	-	-	-	-	-	-	4,475.14	4,640.03	4,949.75
Receivables Turnover TTM	-	-	-	-	-	-	-	-	-	0.08	0.08	0.07
Per Share Metrics
Diluted EPS TTM	1.80	1.84	1.77	1.64	1.66	1.61	1.56	1.44	1.40	1.40	1.39	1.50
Free Cash Flow Per Share TTM	2.27	2.16	2.00	2.07	2.03	2.07	2.05	1.88	1.81	1.75	1.88	1.95
Dividend Per Share TTM	0.76	0.75	0.74	0.73	0.72	0.72	0.72	0.72	0.72	0.71	0.70	0.69
Margin Metrics
Gross Profit Margin TTM	71.86%	71.96%	71.30%	70.09%	69.15%	68.87%	67.85%	55.74%	55.87%	63.78%	66.41%	80.72%
Operating Profit Margin TTM	44.06%	44.87%	44.07%	42.79%	44.74%	43.64%	43.22%	43.52%	44.20%	43.87%	46.07%	53.90%
Net Profit Margin TTM	36.17%	36.72%	36.10%	35.14%	36.68%	35.80%	35.54%	35.74%	36.29%	35.93%	37.68%	44.57%
Growth Metrics
Net Revenue Growth (1Y)	10.43%	11.10%	11.70%	15.67%	17.24%	16.27%	19.10%	19.66%	20.19%	21.58%	22.00%	20.23%
Net Income Growth (1Y)	8.89%	13.96%	13.45%	13.72%	18.49%	15.84%	12.33%	-4.06%	-10.79%	-13.53%	-15.14%	-7.33%
EPS Growth (1Y)	8.70%	13.75%	13.26%	13.52%	18.32%	15.66%	12.22%	-4.16%	-10.86%	-13.57%	-15.19%	-7.45%
Valuation Metrics
P/E TTM	19.15	15.88	16.63	20.13	21.13	21.53	22.25	24.63	20.11	22.28	20.54	15.66
P/B TTM	2.48	2.16	2.20	2.58	2.89	2.97	3.09	3.06	2.66	2.98	2.73	2.72
P/S TTM	6.93	5.83	6.00	7.07	7.75	7.71	7.91	8.80	7.30	8.00	7.74	6.98
Market Cap	4.96B	4.19B	4.22B	4.72B	5.02B	4.98B	4.97B	5.08B	4.03B	4.45B	4.09B	3.37B
Enterprise Value	4.40B	3.47B	3.16B	4.10B	4.34B	4.08B	4.34B	4.53B	3.69B	3.88B	3.57B	3.11B
Calculated Values
Free Cash Flow TTM	325.29M	308.80M	286.01M	296.78M	290.77M	295.90M	292.92M	268.09M	259.09M	249.73M	267.57M	278.76M
Net Debt	-558.55M	-714.82M	-1.06B	-628.84M	-686.21M	-900.08M	-627.81M	-557.69M	-345.67M	-573.36M	-514.44M	-258.53M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-11Purchase

Owner: Edwards, Murray Hamilton

Title: -

Shares: 1,000

Price/Share: $33.18

Value: $33,180.00

Shares Owned: 44,634

Relationship: Director

Ownership: Indirect

2026-05-05Purchase

Owner: Nickles, Robert Clark Jr

Title: -

Shares: 664

Price/Share: $31.96

Value: $21,221.44

Shares Owned: 97,624

Relationship: Director

Ownership: Indirect

2026-03-13Purchase

Owner: Edwards, Murray Hamilton

Title: -

Shares: 1,000

Price/Share: $29.32

Value: $29,320.00

Shares Owned: 43,634

Relationship: Director

Ownership: Indirect

2026-03-12Purchase

Owner: Trotter, Johnny

Title: -

Shares: 1,000

Price/Share: $29.26

Value: $29,260.00

Shares Owned: 956,444

Relationship: Director

Ownership: Direct

2026-03-12Purchase

Owner: Haney, Geoff

Title: -

Shares: 1,500

Price/Share: $29.18

Value: $43,770.00

Shares Owned: 33,646

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-11	Edwards, Murray Hamilton	Director	-	Indirect	Purchase	1,000	33.18	$33,180.00	44,634	4
2026-05-05	Nickles, Robert Clark Jr	Director	-	Indirect	Purchase	664	31.96	$21,221.44	97,624	4
2026-03-13	Edwards, Murray Hamilton	Director	-	Indirect	Purchase	1,000	29.32	$29,320.00	43,634	4
2026-03-12	Trotter, Johnny	Director	-	Direct	Purchase	1,000	29.26	$29,260.00	956,444	4
2026-03-12	Haney, Geoff	Director	-	Direct	Purchase	1,500	29.18	$43,770.00	33,646	4
2026-03-09	Hickox, Michelle S	Officer	EVP/CFO	Direct	Purchase	1,000	29.50	$29,500.00	11,861	4
2026-03-06	Goodrich, Brian D.	Officer	EVP - General Counsel	Direct	Purchase	1,665	29.89	$49,766.85	5,831	4
2026-03-06	Davis, Sally Pope	Director	-	Direct	Purchase	1,800	29.52	$53,136.00	10,371	4
2026-03-05	Trotter, Johnny	Director	-	Direct	Purchase	4,000	30.02	$120,080.00	955,444	4
2026-03-05	Goodrich, Brian D.	Officer	EVP - General Counsel	Direct	Purchase	1,565	30.13	$47,153.45	4,093	4
2026-03-02	Davis, Sally Pope	Director	-	Direct	Purchase	1,600	31.21	$49,936.00	8,571	4
2026-02-20	Haney, Geoff	Director	-	Direct	Purchase	10,200	33.18	$338,436.00	32,146	4
2026-02-05	Edwards, Murray Hamilton	Director	-	Indirect	Purchase	500	34.18	$17,090.00	42,634	4
2026-02-02	Nickles, Robert Clark Jr	Director	-	Indirect	Purchase	629	32.54	$20,467.66	96,960	4
2025-10-31	Davis, Sally Pope	Director	-	Direct	Purchase	1,700	30.73	$52,241.00	6,971	4
2025-10-29	Bailey, David William	Officer	President	Direct	Purchase	1,000	31.54	$31,540.00	18,372	4
2025-10-29	Nickles, Robert Clark Jr	Director	-	Indirect	Purchase	653	31.16	$20,347.48	96,331	4
2025-10-28	Hickox, Michelle S	Officer	EVP/CFO	Direct	Purchase	2,000	31.15	$62,300.00	24,461	4
2025-07-23	Nickles, Robert Clark Jr	Director	-	Indirect	Purchase	550	36.77	$20,223.50	95,678	4
2025-06-13	Denny, Michael B.	Director	-	Indirect	Purchase	5,000	36.02	$180,100.00	108,708	4
2025-05-29	Edwards, Murray Hamilton	Director	-	Indirect	Purchase	300	35.05	$10,515.00	42,134	4/A
2025-05-29	Edwards, Murray Hamilton	Director	-	Indirect	Purchase	300	35.05	$10,515.00	42,134	4
2025-04-30	Denny, Michael B.	Director	-	Indirect	Purchase	550	33.42	$18,381.00	103,708	4
2025-04-23	Nickles, Robert Clark Jr	Director	-	Indirect	Purchase	549	33.97	$18,649.53	95,128	4
2025-03-12	Trotter, Johnny	Director	-	Direct	Purchase	6,000	35.12	$210,720.00	949,371	4
2025-01-29	Nickles, Robert Clark Jr	Director	-	Indirect	Purchase	492	37.85	$18,622.20	94,579	4
2024-12-12	Dueser, F Scott	Director,Officer	Chairman, President and CEO	Indirect	Sale	25,000	40.73	$1,018,250.00	471,004	4
2024-11-19	Edwards, Murray Hamilton	Director	-	Indirect	Purchase	250	40.80	$10,200.00	41,834	4
2024-11-07	Denny, Michael B.	Director	-	Indirect	Sale	7,000	41.12	$287,840.00	101,085	4
2024-06-14	Trotter, Johnny	Director	-	Direct	Purchase	1,000	27.79	$27,790.00	943,371	4
2024-06-06	Davis, Sally Pope	Director	-	Direct	Purchase	1,800	28.75	$51,750.00	1,800	4
2024-06-06	Denny, Michael B.	Director	-	Indirect	Purchase	3,500	28.89	$101,115.00	108,085	4
2024-05-23	Hickox, Michelle S	Officer	EVP/CFO	Direct	Purchase	1,000	29.70	$29,700.00	19,363	4
2024-05-15	Hickox, Michelle S	Officer	EVP/CFO	Direct	Purchase	1,000	31.25	$31,250.00	18,363	4
2024-05-07	Edwards, Murray Hamilton	Director	-	Indirect	Purchase	750	30.96	$23,220.00	41,584	4
2024-05-03	Denny, Michael B.	Director	-	Indirect	Purchase	600	31.21	$18,726.00	104,585	4
2024-05-02	Edwards, Murray Hamilton	Director	-	Indirect	Purchase	325	30.28	$9,841.00	40,834	4
2024-05-01	Nickles, Robert Clark Jr	Director	-	Indirect	Purchase	593	30.16	$17,884.88	93,563	4
2024-04-30	Trotter, Johnny	Director	-	Direct	Purchase	1,500	29.55	$44,325.00	942,371	4
2024-04-29	Trotter, Johnny	Director	-	Direct	Purchase	500	29.65	$14,825.00	940,871	4
2024-04-25	Trotter, Johnny	Director	-	Direct	Purchase	1,500	30.22	$45,330.00	940,371	4
2024-02-07	Nickles, Robert Clark Jr	Director	-	Indirect	Purchase	584	30.47	$17,794.48	92,970	4
2023-11-16	Hickox, Michelle S	Officer	EVP/CFO	Direct	Purchase	600	26.25	$15,750.00	17,363	4
2023-11-03	Nickles, Robert Clark Jr	Director	-	Indirect	Purchase	674	26.22	$17,672.28	92,386	4
2023-10-25	Denny, Michael B.	Director	-	Indirect	Purchase	800	23.11	$18,488.00	101,690	4
2023-10-25	Trotter, Johnny	Director	-	Direct	Purchase	1,000	23.10	$23,100.00	936,576	4
2023-10-25	Edwards, Murray Hamilton	Director	-	Direct	Purchase	700	23.13	$16,191.00	197,617	4
2023-10-25	Anthony, April Kaye Bullo…	Director	-	Direct	Purchase	5,000	22.90	$114,500.00	93,146	4
2023-10-24	Trotter, Johnny	Director	-	Direct	Purchase	3,500	23.13	$80,955.00	935,576	4
2023-08-24	Trotter, Johnny	Director	-	Direct	Purchase	4,500	28.80	$129,600.00	932,076	4
2023-08-23	Denny, Michael B.	Director	-	Indirect	Purchase	763	28.78	$21,959.14	100,890	4
2023-08-21	Trotter, Johnny	Director	-	Direct	Purchase	2,500	29.04	$72,600.00	927,576	4
2023-08-03	Edwards, Murray Hamilton	Director	-	Indirect	Purchase	350	32.50	$11,375.00	40,309	4
2023-07-27	Nickles, Robert Clark Jr	Director	-	Indirect	Purchase	540	32.57	$17,587.80	91,712	4
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Institutional Ownership

No data available for chart

2026-03-31

60.01%

Inst. Shares: 85,938,641

Shares Outstanding: 143,210,755

2025-12-31

75.06%

Inst. Shares: 107,379,855

Shares Outstanding: 143,065,368

2025-09-30

57.76%

Inst. Shares: 82,651,749

Shares Outstanding: 143,105,224

2025-06-30

58.04%

Inst. Shares: 83,006,825

Shares Outstanding: 143,023,544

2025-03-31

68.27%

Inst. Shares: 97,595,831

Shares Outstanding: 142,949,514

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	85,938,641	143,210,755	60.01%
2025-12-31	107,379,855	143,065,368	75.06%
2025-09-30	82,651,749	143,105,224	57.76%
2025-06-30	83,006,825	143,023,544	58.04%
2025-03-31	97,595,831	142,949,514	68.27%
2024-12-31	97,956,234	142,822,880	68.59%
2024-09-30	96,707,023	142,853,215	67.70%
2024-06-30	98,404,713	142,814,363	68.90%
2024-03-31	97,652,962	142,724,674	68.42%
2023-12-31	96,934,841	142,688,585	67.93%
2023-09-30	75,012,525	142,707,260	52.56%
2023-06-30	73,742,175	142,700,905	51.68%
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FIRST FINANCIAL BANKSHARES INC (FFIN) — SEC Financial Statements & Analysis

FIRST FINANCIAL BANKSHARES INC (FFIN) is a state commercial banks company, incorporated in TX. FIRST FINANCIAL BANKSHARES INC trades on Nasdaq as: FFIN. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), FIRST FINANCIAL BANKSHARES INC reported a 10.43% year-over-year revenue growth, a Gross Profit Margin of 71.86% (TTM), a Price-to-Sales (P/S) ratio of 6.93x (TTM), a Price-to-Book (P/B) ratio of 2.48x (TTM), at a market cap of $4.96B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 10.43%
Gross Profit Margin TTM: 71.86%
P/S TTM: 6.93x
P/B TTM: 2.48x
Market Cap: $4.96B

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is FIRST FINANCIAL BANKSHARES INC in?

FIRST FINANCIAL BANKSHARES INC (FFIN) operates in the State Commercial Banks industry.

What is FFIN's market cap?

FIRST FINANCIAL BANKSHARES INC (FFIN) has a market capitalization of $4.96B as of 2026-06-30.

What is FFIN's P/E ratio?

FIRST FINANCIAL BANKSHARES INC (FFIN)'s trailing twelve month P/E ratio is 19.15x as of 2026-06-30.

What exchange does FFIN trade on?

FIRST FINANCIAL BANKSHARES INC (FFIN) trades on the Nasdaq.

Where is FIRST FINANCIAL BANKSHARES INC incorporated?

FIRST FINANCIAL BANKSHARES INC is incorporated in TX.