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First Financial Bankshares Inc

First Financial Bankshares Inc

FFIN · NASDAQ · Financial Services / Banks - Regional

30.28USD+0.02 (+0.07%)

Price History

Full chart

Market Stats

Previous Close30.26
Open30.36
Day Range30.13 – 30.48
52-Week Range27.75 – 36.28
Volume515.30K
Market Cap4.61B
P/E (TTM)17.11
Forward P/E24.57
EPS1.88
Dividend Yield2.76%
Beta0.82
50-Day Avg34.06
200-Day Avg32.52

About

First Financial Bankshares, Inc., through its subsidiaries, provides banking services in the United States. The company offers general commercial banking services, including checking, savings and time deposits, loans, automated teller machines, drive-in and night deposit services, safe deposit facilities, remote deposit capture, internet banking, mobile banking, payroll cards, funds transfer, and other customary commercial banking service, as well as securities brokerage services. It also provides personal trust services, such as wealth management; administration of estates, oil and gas management; farm and ranch; property management; testamentary trusts; revocable and irrevocable trusts; and agency accounts. In addition, the company offers commercial and industrial; municipal; agricultural; construction and development; farm; residential; consumer auto and non-auto; and non-owner occupied and owner occupied commercial real estate loans. Further, it provides advice and specialized services related to lending, investing, purchasing, advertising, public relations, and technology services. First Financial Bankshares, Inc. was founded in 1890 and is headquartered in Abilene, Texas.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. David W. Bailey
  • Employees1.50K
  • Headquarters400 Pine Street, Abilene, TX, United States, 79601, USA
  • Websitehttps://www.ffin.com

Leadership

  • Mr. F. Scott DueserExecutive Chairman · b. 1953
  • Mr. David W. BaileyCEO & President · b. 1984
  • Ms. Michelle S. Hickox CPAExecutive VP, CFO, Secretary & Treasurer · b. 1968
  • Mr. Ronald D. Butler IIExecutive VP & Chief Administrative Officer · b. 1961
  • Mr. Timothy Luke LonghoferExecutive VP & Chief Credit Officer · b. 1983
  • Mr. Timothy BrownExecutive VP & Chief Information Officer · b. 1966
  • Mr. J. Kyle McVey C.P.A.Executive VP, Chief Accounting Officer & Investor Relations Director · b. 1987
  • Mr. Mike ParkerExecutive VP & Chief Compliance Officer
  • Mr. Brian D. GoodrichExecutive VP & General Counsel · b. 1973
  • Ms. Violet Watson GriggsSenior Vice President of Marketing

Financials

Income Statement

Currency: USD1993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue64.20M73.10M84.90M105.70M121.00M134.30M134.50M143.90M144.05M134.41M129.39M138.80M168.12M199.16M217.64M208.61M195.04M194.63M205.74M210.70M231.85M257.41M287.75M309.23M328.67M383.40M417.06M491.94M505.62M551.27M634.55M739.21M825.80M
Growth (%)-+13.86%+16.14%+24.50%+14.47%+10.99%+0.15%+6.99%+0.11%-6.69%-3.74%+7.27%+21.13%+18.46%+9.28%-4.15%-6.50%-0.21%+5.71%+2.41%+10.04%+11.02%+11.79%+7.46%+6.29%+16.65%+8.78%+17.96%+2.78%+9.03%+15.11%+16.49%+11.71%
Cost of Revenue18.30M20.40M27.80M36.90M42.90M47.40M45.30M51.23M46.80M26.75M18.31M17.71M30.08M50.69M60.89M43.22M28.69M22.49M14.65M8.60M7.84M8.65M13.77M15.66M15.82M24.59M33.07M33.76M4.90M48.87M3.13M216.00M232.69M
Gross Profit45.90M52.70M57.10M68.80M78.10M86.90M89.20M92.67M97.25M107.67M111.08M121.09M138.05M148.47M156.75M165.39M166.35M172.14M191.09M202.10M224.00M248.76M273.97M293.56M312.85M358.81M383.99M458.18M500.72M502.40M634.55M523.22M593.11M
Gross Margin71.50%72.09%67.26%65.09%64.55%64.71%66.32%64.40%67.51%80.10%85.85%87.24%82.11%74.55%72.02%79.28%85.29%88.44%92.88%95.92%96.62%96.64%95.21%94.93%95.19%93.59%92.07%93.14%99.03%91.14%100.00%70.78%71.82%
Operating Expense28.20M33.20M32.30M39.90M46.50M52.50M52.00M51.69M55.07M59.08M61.15M66.13M75.65M83.14M86.83M91.59M94.00M93.71M98.90M102.75M119.44M130.17M142.16M157.63M165.67M180.63M185.96M215.81M228.75M221.53M391.25M251.37M283.50M
Operating Income17.70M19.50M24.80M28.90M31.60M34.40M37.20M40.98M42.18M48.58M49.93M54.96M62.40M65.34M69.93M73.80M72.35M78.43M92.19M99.36M104.57M118.59M131.82M135.93M147.19M178.18M198.03M242.37M271.97M280.87M243.30M271.85M309.61M
Operating Margin27.57%26.68%29.21%27.34%26.12%25.61%27.66%28.48%29.28%36.14%38.59%39.60%37.11%32.81%32.13%35.38%37.09%40.30%44.81%47.16%45.10%46.07%45.81%43.96%44.78%46.47%47.48%49.27%53.79%50.95%38.34%36.78%37.49%
EBITDA25.10M27.80M30.10M35.30M37.60M42.90M46.00M47.84M49.52M54.79M59.40M59.98M71.76M73.51M77.11M81.82M80.10M85.53M99.54M107.28M113.21M127.85M142.96M147.50M160.10M190.72M209.70M255.16M285.03M293.64M243.30M285.27M319.94M
EBITDA Margin39.10%38.03%35.45%33.40%31.07%31.94%34.20%33.25%34.38%40.76%45.90%43.21%42.68%36.91%35.43%39.22%41.07%43.95%48.38%50.92%48.83%49.67%49.68%47.70%48.71%49.75%50.28%51.87%56.37%53.27%38.34%38.59%38.74%
Net Income13.30M13.10M16.40M19.00M21.00M23.30M25.70M28.32M29.36M33.95M35.30M39.17M44.02M46.03M49.49M53.16M53.80M59.66M68.37M74.22M78.87M89.56M100.38M104.77M120.37M150.64M164.81M202.03M227.56M234.47M198.98M223.51M253.59M
Net Income Margin20.72%17.92%19.32%17.98%17.36%17.35%19.11%19.68%20.38%25.26%27.29%28.22%26.18%23.11%22.74%25.49%27.58%30.65%33.23%35.23%34.02%34.79%34.89%33.88%36.62%39.29%39.52%41.07%45.01%42.53%31.36%30.24%30.71%
R&D-----------------000000000-------
R&D as % of Total Revenue-----------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense18.00M21.30M27.70M35.70M41.80M46.30M43.30M48.83M44.83M24.38M17.13M16.08M28.76M48.63M58.56M35.26M17.27M13.53M8.02M5.11M4.09M4.18M4.09M5.45M9.29M18.93M30.10M14.24M6.04M31.44M144.26M202.18M201.59M
Interest Expense % of Total Revenue28.04%29.14%32.63%33.77%34.55%34.48%32.19%33.93%31.12%18.14%13.24%11.58%17.10%24.42%26.91%16.90%8.86%6.95%3.90%2.43%1.76%1.62%1.42%1.76%2.83%4.94%7.22%2.90%1.19%5.70%22.73%27.35%24.41%

Balance Sheet

Currency: USD1993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets924.60M1.01B1.06B1.26B1.66B1.69B1.72B1.75B1.93B1.99B2.09B2.32B2.73B2.85B3.07B3.21B3.28B3.78B4.12B4.50B5.22B5.85B6.67B6.81B7.25B7.73B8.26B10.90B13.10B12.97B13.11B13.98B15.45B
Total Liabilities834.20M908.70M947.40M1.13B1.50B1.52B1.54B1.56B1.72B1.75B1.84B2.05B2.46B2.55B2.73B2.84B2.86B3.33B3.61B3.95B4.63B5.17B5.86B5.97B6.33B6.68B7.04B9.23B11.34B11.71B11.61B12.37B13.53B
Total Equity90.40M103.90M114.90M131.20M154.50M169.40M178.70M196.12M213.65M238.77M251.49M265.55M276.28M300.90M335.50M368.78M415.70M441.69M508.54M556.96M587.65M681.54M804.99M837.88M922.77M1.05B1.23B1.68B1.76B1.27B1.50B1.61B1.92B
Cash90.30M83.80M85.90M126.90M216.20M200.50M119.20M100.41M113.52M110.76M112.82M95.00M130.36M128.49M165.44M141.23M307.25M367.95M312.01M395.70M240.50M261.71M272.57M255.06M373.81M250.10M279.45M729.08M528.59M330.68M536.59M763.41M1.08B
Total Debt----9.40M500.00K9.60M26.16M19.80M26.70M29.00M35.69M74.24M143.24M166.27M235.60M146.09M178.36M207.76M259.70M463.89M734.22M615.67M445.77M331.00M468.71M381.36M430.09M671.15M642.51M404.08M197.02M21.68M
Net Debt-90.30M-83.80M-85.90M-126.90M-206.80M-200.00M-109.60M-74.24M-93.68M-84.05M-83.84M-59.31M-56.12M14.75M828.05K94.37M-161.16M-189.60M-104.25M-136.00M223.39M472.51M343.10M190.71M-42.80M218.60M101.90M-298.99M142.56M311.83M-132.51M-566.39M-1.06B

Cash Flow

Currency: USD1993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow19.40M19.80M19.40M27.10M22.10M35.70M33.50M35.19M39.61M43.32M45.33M68.28M40.94M47.86M54.79M-10.49M171.51M71.83M95.11M93.06M109.86M131.40M109.09M160.74M190.27M186.35M204.12M210.67M353.23M323.94M284.82M309.64M320.58M
Investing Cash Flow-8.30M-19.40M-32.20M-31.90M-38.10M-52.30M-64.40M-56.02M-79.58M-67.79M-179.02M-76.45M-129.30M-169.37M-143.56M-164.68M-3.74M-355.81M-331.03M-294.99M-556.77M-575.21M-384.23M-251.96M-398.04M-273.29M-449.47M-1.26B-2.61B-838.00M127.29M-736.88M-1.04B
Financing Cash Flow-24.10M-17.60M13.70M38.20M99.50M1.20M18.50M-4.61M62.57M17.78M69.10M88.59M144.92M63.18M160.68M79.18M-15.12M283.33M222.49M311.83M298.19M485.26M294.55M74.82M323.63M-36.77M279.31M1.50B2.06B316.15M-206.20M654.06M1.03B
Capital Expenditure3.60M2.40M3.10M4.80M5.20M4.30M4.10M2.51M5.15M2.91M7.11M8.84M10.32M7.37M8.33M11.78M6.48M11.24M14.78M16.18M11.32M17.41M17.43M20.40M14.16M17.65M8.67M16.45M19.20M15.78M17.25M16.72M13.44M
Free Cash Flow15.80M17.40M16.30M22.40M16.90M31.40M29.40M32.68M34.45M40.41M38.22M68.28M30.62M40.49M46.46M-22.27M165.03M60.59M80.33M76.88M98.53M113.99M91.66M140.34M176.11M168.70M195.45M194.22M334.03M308.16M267.57M292.92M307.14M
Dividends Paid4.20M5.30M5.90M7.00M8.00M9.10M11.00M12.54M13.92M16.05M18.27M20.14M23.00M24.01M24.93M27.43M28.30M28.35M29.36M38.72M24.50M34.58M38.77M44.91M48.95M53.86M61.06M70.32M79.71M91.31M99.97M102.91M106.00M
FCF to OCF81.44%87.88%84.02%82.66%76.47%87.96%87.76%92.88%86.99%93.27%84.32%100.00%74.80%84.60%84.79%212.22%96.22%84.35%84.46%82.61%89.69%86.75%84.02%87.31%92.56%90.53%95.75%92.19%94.56%95.13%93.94%94.60%95.81%
Dividend Paid to FCF26.58%30.46%36.20%31.25%47.34%28.98%37.41%38.38%40.40%39.73%47.82%29.50%75.12%59.30%53.65%-123.18%17.15%46.78%36.55%50.36%24.87%30.33%42.29%32.00%27.80%31.93%31.24%36.21%23.86%29.63%37.36%35.13%34.51%

Earnings

Report DateJan 15, 1998Mar 31, 1998Jul 2, 1998Sep 30, 1998Dec 31, 1998Mar 31, 1999Jul 13, 1999Oct 14, 1999Jan 13, 2000Apr 13, 2000Jul 13, 2000Oct 12, 2000Jan 16, 2001Apr 16, 2001Jul 17, 2001Oct 15, 2001Jan 15, 2002Apr 16, 2002Jul 17, 2002Oct 16, 2002Jan 16, 2003Apr 16, 2003Jul 16, 2003Oct 16, 2003Jan 16, 2004Apr 20, 2004Jul 20, 2004Oct 19, 2004Jan 19, 2005Apr 20, 2005Jul 20, 2005Oct 20, 2005Jan 19, 2006Apr 20, 2006Jul 20, 2006Oct 19, 2006Jan 24, 2007Apr 19, 2007Jul 19, 2007Oct 18, 2007Jan 24, 2008Apr 17, 2008Jul 17, 2008Oct 23, 2008Jan 22, 2009Apr 23, 2009Jul 23, 2009Oct 22, 2009Jan 28, 2010Apr 22, 2010Jul 22, 2010Oct 21, 2010Jan 27, 2011Apr 21, 2011Jul 21, 2011Oct 20, 2011Jan 26, 2012Apr 23, 2012Jul 19, 2012Oct 18, 2012Jan 24, 2013Apr 18, 2013Jul 18, 2013Oct 17, 2013Jan 23, 2014Apr 17, 2014Jul 17, 2014Oct 16, 2014Jan 22, 2015Apr 16, 2015Jul 16, 2015Oct 22, 2015Jan 28, 2016Apr 21, 2016Jul 21, 2016Oct 20, 2016Jan 26, 2017Apr 20, 2017Jul 20, 2017Oct 19, 2017Jan 25, 2018Apr 19, 2018Jul 19, 2018Oct 18, 2018Jan 24, 2019Apr 18, 2019Jul 18, 2019Oct 17, 2019Jan 23, 2020Apr 23, 2020Jul 23, 2020Oct 22, 2020Jan 28, 2021Apr 22, 2021Jul 22, 2021Oct 21, 2021Jan 27, 2022Apr 21, 2022Jul 21, 2022Oct 20, 2022Jan 19, 2023Apr 20, 2023Jul 20, 2023Oct 19, 2023Jan 25, 2024Apr 18, 2024Jul 18, 2024Oct 17, 2024Jan 23, 2025Apr 17, 2025Jul 17, 2025Oct 23, 2025Jan 22, 2026Apr 16, 2026Jul 16, 2026Oct 22, 2026
EPS Estimate0.04-0.04---0.050.050.050.050.060.060.060.060.060.060.060.060.070.070.070.070.070.070.070.070.060.060.070.070.080.080.080.090.080.090.090.090.100.100.100.110.110.100.110.100.100.110.110.100.110.110.120.120.120.130.140.130.140.140.150.140.150.160.170.160.170.180.180.180.190.200.210.190.200.200.200.200.210.220.220.240.260.280.290.280.290.310.300.290.260.340.370.370.380.380.380.370.400.410.410.390.360.360.340.350.360.390.400.430.440.470.480.470.500.52
EPS Actual0.040.050.050.050.050.050.050.050.050.050.060.060.060.060.060.060.060.070.070.070.070.070.070.070.070.080.070.080.080.080.080.090.090.090.090.090.090.090.110.100.100.110.110.110.100.110.110.110.100.110.110.120.120.130.130.140.140.140.140.160.140.150.150.150.170.180.170.180.180.190.200.200.190.200.210.200.200.200.220.220.210.230.280.300.290.280.310.320.310.260.370.370.410.400.390.410.390.390.420.410.410.370.360.350.320.280.370.390.430.430.470.360.510.500.50-
Surprise0.00%-25.00%---0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%16.67%0.00%0.00%0.00%0.00%0.00%0.00%0.00%14.29%16.67%33.33%14.29%14.29%0.00%12.50%12.50%0.00%12.50%0.00%0.00%0.00%10.00%0.00%0.00%0.00%0.00%10.00%-9.09%10.00%10.00%0.00%-9.09%10.00%0.00%9.09%0.00%8.33%8.33%7.69%0.00%7.69%0.00%14.29%-6.67%7.14%0.00%-6.25%0.00%12.50%0.00%0.00%0.00%5.56%5.26%0.00%-9.52%5.26%5.00%0.00%0.00%0.00%4.76%0.00%-4.55%-4.17%7.69%7.14%0.00%0.00%6.90%3.23%3.33%-10.34%42.31%8.82%10.81%8.11%2.63%7.89%2.63%5.41%5.00%0.00%0.00%-5.13%0.00%-2.78%-5.88%-20.00%2.78%0.00%7.50%0.00%6.82%-23.40%6.25%6.38%0.00%-
Timing-----------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap4.61B
Enterprise Value4.35B
Trailing P/E17.11
Forward P/E24.57
PEG Ratio2.55
Price / Sales7.24
Price / Book2.29
EPS1.88
Book Value14.03
Revenue (TTM)637.20M
Gross Profit (TTM)637.20M
Profit Margin42.22%
Operating Margin55.96%
Return on Equity14.41%
Return on Assets1.81%
Shares Outstanding143.33M
Shares Float136.90M
Beta0.82
Dividend Yield2.76%
Dividend Rate0.88
Payout Ratio43.85%

Analyst Ratings

Hold
Based on 4 analystsTarget 36.29
  • Hold
    4

Ownership Breakdown

Institutions
72.12%
Insiders
3.62%
Retail / Other
24.26%

Top Institutional Holders

  • BlackRock Inc
    17.11M11.93%
  • Vanguard Portfolio Management, LLC
    7.20M5.03%
  • State Street Corp
    6.52M4.55%
  • Vanguard Capital Management, LLC
    5.58M3.89%
  • Neuberger Berman Group LLC
    3.85M2.68%
  • Geode Capital Management, LLC
    3.68M2.57%
  • Kayne Anderson Rudnick Investment Management LLC
    3.25M2.27%
  • Dimensional Fund Advisors, Inc.
    2.86M1.99%
  • Fuller & Thaler Asset Management Inc
    2.19M1.53%
  • AQR Capital Management LLC
    2.16M1.51%
  • Morgan Stanley - Brokerage Accounts
    1.92M1.34%
  • The Goldman Sachs Group Inc
    1.74M1.21%
  • Charles Schwab Investment Management Inc
    1.73M1.20%

Top Fund Holders

  • iShares Core S&P Mid-Cap ETF
    4.57M3.19%
  • Vanguard MStar Total Stk Mkt Idx Invest
    3.88M2.71%
  • iShares Russell 2000 ETF
    3.43M2.39%
  • Vanguard Small Cap Index
    2.81M1.96%
  • Neuberger Genesis Inv
    2.66M1.86%
  • FullerThaler Behavioral Sm-Cp Eq R6
    1.80M1.26%
  • Vanguard MStar Small Cap Value Index
    1.78M1.24%

Dividends

20263×
0.22Sep 14, 20260.22Jun 12, 20260.19Mar 13, 2026
20254×
0.19Dec 15, 20250.19Sep 15, 20250.19Jun 16, 20250.18Mar 14, 2025
20244×
0.18Dec 13, 20240.18Sep 12, 20240.18Jun 14, 20240.18Mar 14, 2024
20234×
0.18Dec 14, 20230.18Sep 13, 20230.18Jun 14, 20230.17Mar 10, 2023
20224×
0.17Dec 14, 20220.17Sep 14, 20220.17Jun 15, 20220.15Mar 15, 2022
20214×
0.15Dec 15, 20210.15Sep 15, 20210.15Jun 15, 20210.13Mar 15, 2021
20201×
0.13Dec 15, 2020

Stock Splits

  • Jun 4, 20192:1
  • Jun 3, 20142:1
  • Jun 2, 20113:2
  • Jun 2, 20054:3
  • Jun 3, 2003125:100
  • Jun 4, 20015:4
  • Nov 12, 199811:10
  • Jun 3, 19975:4
  • Jun 4, 19965:4
  • Sep 13, 19955:4
  • Jun 2, 19945:4