First Financial Bankshares
FFIN Nasdaq· Regional Banks
Last close · Oct 26, 2026
$30.00
KIRA · Stoqly’s AI analyst, in plain words
- First Financial Bankshares had $632M of revenue in fiscal 2025, up 14.7% on the year before. Over five years, revenue changed +5.2% a year on average.
- First Financial Bankshares made $254M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 9.2% a year.
- First Financial Bankshares returned $106M to shareholders in fiscal 2025. The diluted share count rose 0.2%.
- It earned 14.4% on shareholders’ money. Running costs took 46.5% of revenue (the efficiency ratio; lower is better).
Market cap
$4.3B
P/E
16.0x
Revenue
$632M
Net income
$254M
Return on equity
14.4%
Efficiency ratio
46.5%
First Financial Bankshares in 30 seconds · fiscal 2025
Are sales growing?
+14.7%
Yes. Sales grew 14.7% last year.
Does it make a profit?
40.2%
Yes. It keeps 40.2% of every sale as profit.
How lean are its costs?
46.5%
Lean. Running costs take 46.5% of revenue.
How much does it earn on its capital?
14.4%
Good. It earns 14.4% a year on shareholders’ money.
How is the share priced?
16.0x
One share costs 16.0 times its yearly profit per share. Typical for its sector: 13.7x.
What First Financial Bankshares does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 25, 2026
- Legal name
- First Financial Bankshares, Inc.
- CIK
- 0000036029
First Financial Bankshares · FFIN
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $513M | $533M | $492M | $551M | $632M |
| Revenue growth | 4.6% | 4.0% | −7.7% | 12.0% | 14.7% |
| Net interest income | $370M | $401M | $384M | $427M | $501M |
| Net income | $228M | $235M | $199M | $224M | $254M |
| Net margin | 44.4% | 44.0% | 40.5% | 40.6% | 40.2% |
| Diluted EPS | $1.59 | $1.64 | $1.39 | $1.56 | $1.77 |
| Cash | |||||
| Dividends paid | $79.7M | $91.3M | $100M | $103M | $106M |
| Share buybacks | $0.0M | $9.4M | $2.7M | $0.0M | $0.0M |
| Share count change | 0.4% | 0.1% | −0.2% | 0.2% | 0.2% |
| Debt and strength | |||||
| Loans, net | $5.3B | $6.4B | $7.1B | — | — |
| Deposits | $10.6B | $11.0B | $11.1B | $12.1B | $13.3B |
| Shareholders' equity | $1.8B | $1.3B | $1.5B | $1.6B | $1.9B |
| Returns and quality | |||||
| Return on equity | 13.2% | 15.5% | 14.4% | 14.4% | 14.4% |
| Return on tangible equity | 16.2% | 19.6% | 18.6% | 18.0% | 17.5% |
| Efficiency ratio | 47.2% | 44.0% | 48.4% | 48.1% | 46.5% |
Insiders bought, 12 months
$1.2M
9 insiders
Insiders sold, 12 months
$0.5M
1 insider
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
First Financial Bankshares · FFIN
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
Similar companies
Each company’s latest fiscal year. Fiscal years end in different months, so periods don’t line up exactly.
| Company | Market cap | Growth | Net margin | ROE | P/E | F-score |
|---|---|---|---|---|---|---|
| First Financial Bankshares FFIN | $4.3B | 14.7% | 40.2% | 14.4% | 16.0x | — |
| Intl Bancshares IBOC | $4.2B | 1.0% | 49.0% | 13.6% | 10.1x | — |
| Home BancShares HOMB | $5.9B | 7.2% | 43.6% | 11.5% | 12.4x | — |
| United Bankshares UBSI | $6.9B | 19.6% | 37.6% | 8.9% | 13.3x | — |
| Prosperity Bancshares PB | $6.6B | 4.8% | 43.4% | 7.2% | 12.1x | — |
Price compared with profit (P/E)
How many times its yearly profit per share one share costs. Higher means investors pay more for each unit of profit.
KIRA
At $30.00 a share, the company is worth $4.3B: 16.0 times its earnings of the last four quarters.
First Financial Bankshares grew sales faster than 3 of its 4 similar companies. Its P/E is higher than 4 of 4.
Source: SEC EDGAR XBRL filings (CIK 0000036029). Data updated October 18, 2026. For information only — not investment advice. Check the original filings before relying on any figure.