What is First Financial Bankshares Inc's earnings per share (EPS)?

First Financial Bankshares Inc (FFIN) reported diluted earnings per share of $1.77 for fiscal year 2025. This represents a 13.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

First Financial Bankshares Inc (FFIN) Financials

FFIN

Trailing 12 months to June 30, 2026

Revenue $665.6M +12.4% YoY

Net Income $269.0M +9.5% YoY

EPS (Diluted) $1.87 +8.7% YoY

Free Cash Flow $325.3M +11.9% YoY

Market Cap $4.8B as of Sep 16, 2026

Price / Sales 7.2x on $665.6M revenue, trailing 12 months to June 30, 2026

Price / Earnings 17.8x on $269.0M net income, trailing 12 months to June 30, 2026

Price / Book 2.4x on $2.0B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 16, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 4, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 4, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the FFIN SEC filings page.

First Financial Bankshares Inc (FFIN) reported $665.6M in revenue over the twelve months to Jun 30, 2026, up 12.4% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI FFIN FY2025 2026-09-05

Balance-sheet expansion, not margin expansion, is the dominant mechanic as First Financial converts a larger asset base into steady earnings.

Operating cash flow of $299M exceeded net income of $254M in FY2025, but cash conversion weakened: operating cash flow fell relative to earnings from 1.4x in FY2024 to 1.2x. Free cash flow also declined to $286M, indicating that reported profit remained cash-generative while producing less excess cash than the prior year.

The balance sheet expanded while equity grew faster than liabilities, lowering debt-to-equity from 7.7x to 7.1x; this indicates a less leveraged funding mix, although leverage remains substantial for the business.

Revenue reached $632M in FY2025, but the near-40% net margin was slightly lower than FY2024. That combination points to top-line expansion without clear operating leverage; selling, general and administrative expense rose to $175M, making cost absorption less visible.

Financial Health Signals

Financial Health Score 68/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of First Financial Bankshares Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

First Financial Bankshares Inc earned a return on assets of 1.6% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is unchanged from the prior year. Earnings ranks banks on that return over three years, and First Financial Bankshares Inc scores 88/100 among other banks.

Growth

First Financial Bankshares Inc reported revenue of $631.6M in fiscal year 2025, against $550.7M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and First Financial Bankshares Inc scores 69/100 among other banks.

Capital

First Financial Bankshares Inc funded 12.4% of its assets with shareholders' equity at the end of fiscal year 2025, holding $1.9B of equity against $15.4B of assets. Capital ranks banks on that cushion, and First Financial Bankshares Inc scores 62/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. First Financial Bankshares Inc scores 92/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. First Financial Bankshares Inc scores 1/100 on it among other banks.

Stability

First Financial Bankshares Inc reported net income of $253.6M in fiscal year 2025, against $223.5M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and First Financial Bankshares Inc scores 94/100 among other banks.

Piotroski F-Score Partial

5/6

First Financial Bankshares Inc passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.18x

For every $1 of reported earnings, First Financial Bankshares Inc generates $1.18 in operating cash flow ($299.4M OCF vs $253.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$172.8M

YoY+10.3%

QoQ+3.5%

5Y CAGR+6.6%

10Y CAGR+8.3%

First Financial Bankshares Inc generated $172.8M in revenue in Q2 2026. This represents an increase of 10.3% from the same quarter a year earlier. Against the prior quarter it is up 3.5%.

Net Income

$71.9M

YoY+7.9%

QoQ+0.5%

5Y CAGR+5.0%

10Y CAGR+10.4%

First Financial Bankshares Inc reported $71.9M in net income in Q2 2026. This represents an increase of 7.9% from the same quarter a year earlier. Against the prior quarter it is up 0.5%.

EPS (Diluted)

$0.50

YoY+6.4%

QoQ0.0%

5Y CAGR+5.1%

10Y CAGR+2.0%

First Financial Bankshares Inc earned $0.50 per diluted share (EPS) in Q2 2026. This represents an increase of 6.4% from the same quarter a year earlier. It is unchanged from the prior quarter.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$75.2M

YoY+28.1%

QoQ-22.9%

5Y CAGR+11.7%

10Y CAGR+19.8%

First Financial Bankshares Inc generated $75.2M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 28.1% from the same quarter a year earlier. Against the prior quarter it is down 22.9%.

Cash & Debt

$580.4M

YoY-18.1%

QoQ-21.3%

5Y CAGR-7.2%

First Financial Bankshares Inc held $580.4M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.22

YoY+15.8%

QoQ+15.8%

5Y CAGR+8.0%

First Financial Bankshares Inc paid $0.22 per share in dividends in Q2 2026. This represents an increase of 15.8% from the same quarter a year earlier. Against the prior quarter it is up 15.8%.

Shares Outstanding

143M

YoY+0.2%

QoQ0.0%

5Y CAGR+0.1%

10Y CAGR+8.1%

First Financial Bankshares Inc had 143M shares outstanding in Q2 2026. This represents an increase of 0.2% from the same quarter a year earlier. It is unchanged from the prior quarter.

Margins & Returns

Net Margin

41.6%

YoY-0.9pp

QoQ-1.3pp

5Y change-3.3pp

10Y change+7.2pp

First Financial Bankshares Inc's net profit margin was 41.6% in Q2 2026, showing the share of revenue converted to profit. This is down 0.9 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.3 percentage points.

Return on Equity

3.6%

YoY-0.2pp

QoQ-0.1pp

5Y change+0.3pp

10Y change+0.5pp

First Financial Bankshares Inc's ROE was 3.6% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.2 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$8.5M

YoY+232.0%

QoQ+106.2%

5Y CAGR+0.5%

10Y CAGR+2.5%

First Financial Bankshares Inc invested $8.5M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 232.0% from the same quarter a year earlier. Against the prior quarter it is up 106.2%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

FFIN Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FFIN quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$665.6M	$631.6M+14.7%	$550.7M+12.0%	$491.8M-7.7%	$533.1M+4.0%	$512.5M+4.6%	$489.8M+23.2%	$397.5M+6.1%	$374.5M+14.3%	$327.7M+5.0%	$312.0M+7.2%	$291.0M+11.5%	$261.0M+11.4%	$234.3M+10.6%	$211.9M+4.2%	$203.4M
SG&A Expenses	$185.5M	$174.6M+13.9%	$153.3M+16.2%	$131.9M-1.7%	$134.1M-5.6%	$142.0M+5.1%	$135.1M+20.3%	$112.3M+6.8%	$105.2M+10.4%	$95.3M+5.0%	$90.7M+12.0%	$81.0M+15.0%	$70.5M+5.9%	$66.5M+14.2%	$58.3M+3.6%	$56.3M
Interest Expense	$201.4M	$201.6M-0.3%	$202.2M+40.1%	$144.3M+358.8%	$31.4M+420.4%	$6.0M-57.6%	$14.2M-52.7%	$30.1M+59.0%	$18.9M+103.8%	$9.3M+70.4%	$5.5M+33.3%	$4.1M-2.2%	$4.2M+2.3%	$4.1M-20.0%	$5.1M-36.3%	$8.0M
Income Tax	$59.0M	$56.0M+15.9%	$48.3M+9.1%	$44.3M-4.5%	$46.4M+4.5%	$44.4M+10.1%	$40.3M+21.4%	$33.2M+20.6%	$27.5M+2.7%	$26.8M-13.9%	$31.2M-0.9%	$31.4M+8.3%	$29.0M+13.0%	$25.7M+2.2%	$25.1M+5.5%	$23.8M
Net Income	$269.0M	$253.6M+13.5%	$223.5M+12.3%	$199.0M-15.1%	$234.5M+3.0%	$227.6M+12.6%	$202.0M+22.6%	$164.8M+9.4%	$150.6M+25.1%	$120.4M+14.9%	$104.8M+4.4%	$100.4M+12.1%	$89.6M+13.6%	$78.9M+6.3%	$74.2M+8.6%	$68.4M
EPS (Basic)	N/A	$1.77+13.5%	$1.56+12.2%	$1.39-15.2%	$1.64+2.5%	$1.60+12.7%	$1.42+16.4%	$1.22+9.9%	$1.11+22.0%	$0.91-42.8%	$1.59+2.6%	$1.55+10.7%	$1.40+12.9%	$1.24+5.1%	$1.18-45.6%	$2.17
EPS (Diluted)	$1.87	$1.77+13.5%	$1.56+12.2%	$1.39-15.2%	$1.64+3.1%	$1.59+12.0%	$1.42+17.4%	$1.21	$1.11+22.0%	$0.91	$1.59+3.2%	$1.54+10.8%	$1.39	$1.24+5.1%	$1.18	$2.17
Diluted Shares (Avg)	N/A	143M+0.2%	143M+0.2%	143M-0.2%	143M+0.1%	143M+0.4%	143M+4.5%	136M	136M+2.5%	133M	66M+1.6%	65M+1.2%	64M	64M+1.4%	63M	31M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$172.8M+10.3%	$166.9M+12.0%	$164.7M+12.0%	$161.3M+15.6%	$156.6M+16.4%	$149.0M+15.0%	$147.1M+23.1%	$139.5M+14.1%
SG&A Expenses	$49.7M+16.6%	$46.0M+9.1%	$47.2M+13.4%	$42.6M+13.6%	$42.6M+13.6%	$42.1M+14.9%	$41.6M+16.5%	$37.5M+13.9%
Interest Expense	$49.0M-0.1%	$48.2M-0.3%	$51.5M+3.7%	$52.7M-0.3%	$49.1M-2.6%	$48.3M-1.9%	$49.7M+11.1%	$52.8M+28.3%
Income Tax	$15.6M+3.3%	$16.3M+17.9%	$16.2M+18.8%	$10.9M-9.4%	$15.1M+35.2%	$13.8M+20.3%	$13.7M+36.3%	$12.0M+10.9%
Net Income	$71.9M+7.9%	$71.5M+16.6%	$73.3M+17.6%	$52.3M-5.5%	$66.7M+27.0%	$61.3M+14.9%	$62.3M+35.5%	$55.3M+11.6%
EPS (Basic)	$0.50+6.4%	$0.50+16.3%	$0.51+18.6%	$0.37-5.1%	$0.47+27.0%	$0.43+16.2%	$0.43+34.4%	$0.39+11.4%
EPS (Diluted)	$0.50+6.4%	$0.50+16.3%	$0.51+18.6%	$0.36-7.7%	$0.47+27.0%	$0.43+16.2%	$0.43+34.4%	$0.39+11.4%
Diluted Shares (Avg)	144M+0.2%	144M+0.2%	N/A	143M+0.2%	143M+0.2%	143M+0.2%	N/A	143M0.0%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

FFIN Balance Sheet

FFIN quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$15.4B+10.5%	$14.0B+6.7%	$13.1B+1.0%	$13.0B-1.0%	$13.1B+20.2%	$10.9B+32.0%	$8.3B+6.9%	$7.7B+6.6%	$7.3B+6.5%	$6.8B+2.2%	$6.7B+14.0%	$5.8B+12.0%	$5.2B+16.0%	$4.5B+9.3%	$4.1B
Cash & Equivalents	$1.1B+41.2%	$763.4M+42.3%	$536.6M+62.3%	$330.7M-37.4%	$528.6M-27.5%	$729.1M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Short-Term Investments	$0	$0	$0	$0	$0	$0	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Investments	$0	$0-100.0%	$7.1B+11.0%	$6.4B+19.5%	$5.4B+4.2%	$5.2B	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$313.5M0.0%	$313.5M0.0%	$313.5M0.0%	$313.5M0.0%	$313.5M0.0%	$313.5M+82.7%	$171.6M0.0%	$171.6M+22.6%	$140.0M0.0%	$140.0M0.0%	$140.0M+47.5%	$94.9M	N/A	N/A	N/A
Total Liabilities	$13.5B+9.3%	$12.4B+6.6%	$11.6B-0.9%	$11.7B+3.2%	$11.3B+22.9%	$9.2B+31.1%	$7.0B+5.3%	$6.7B+5.5%	$6.3B+6.0%	$6.0B+1.9%	$5.9B+13.4%	$5.2B+11.5%	$4.6B+17.5%	$3.9B+9.2%	$3.6B
Total Equity	$1.9B+19.3%	$1.6B+7.2%	$1.5B+18.4%	$1.3B-28.1%	$1.8B+4.8%	$1.7B+36.7%	$1.2B+16.5%	$1.1B+14.1%	$922.8M+10.1%	$837.9M+4.1%	$805.0M+18.1%	$681.5M+16.0%	$587.6M+5.5%	$557.0M+9.5%	$508.5M
Retained Earnings	$1.5B+10.9%	$1.3B+9.9%	$1.2B+8.7%	$1.1B+14.3%	$981.7M+17.3%	$836.7M+18.2%	$707.7M+16.6%	$606.7M+17.3%	$517.3M+15.8%	$446.5M+15.1%	$388.0M+18.3%	$328.0M+19.7%	$274.0M+20.2%	$227.9M+23.3%	$184.9M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$15.3B+6.5%	$15.4B+7.5%	$15.4B+10.5%	$14.8B+9.3%	$14.4B+9.2%	$14.3B+8.5%	$14.0B+6.7%	$13.6B+6.3%
Cash & Equivalents	$580.4M-18.1%	$737.1M-20.5%	$1.1B+41.2%	$650.8M+11.5%	$708.4M+91.8%	$927.1M+54.5%	$763.4M+42.3%	$583.7M+50.3%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0-100.0%	$0-100.0%
Goodwill	N/A	N/A	$313.5M0.0%	N/A	N/A	N/A	$313.5M0.0%	N/A
Total Liabilities	$13.3B+5.3%	$13.4B+6.4%	$13.5B+9.3%	$13.0B+9.1%	$12.6B+8.5%	$12.6B+8.0%	$12.4B+6.6%	$11.9B+3.3%
Total Equity	$2.0B+14.9%	$1.9B+15.7%	$1.9B+19.3%	$1.8B+10.1%	$1.7B+14.4%	$1.7B+12.7%	$1.6B+7.2%	$1.7B+34.0%
Retained Earnings	$1.6B+11.0%	$1.5B+11.3%	$1.5B+10.9%	$1.4B+10.5%	$1.4B+11.1%	$1.4B+10.3%	$1.3B+9.9%	$1.3B+8.7%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

FFIN Cash Flow Statement

FFIN quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$346.7M	$299.4M-3.3%	$309.6M+8.7%	$284.8M-12.2%	$324.3M-8.7%	$355.2M+68.6%	$210.7M+4.1%	$202.5M+8.6%	$186.3M-2.1%	$190.3M+18.4%	$160.7M+47.3%	$109.1M-17.0%	$131.4M+19.6%	$109.9M+18.0%	$93.1M-2.2%	$95.1M
Depreciation & Amortization	N/A	$13.7M+1.7%	$13.4M+6.7%	$12.6M-1.4%	$12.8M-2.3%	$13.1M+2.1%	$12.8M+9.7%	$11.7M-7.0%	$12.5M-2.8%	$12.9M+11.6%	$11.6M+3.8%	$11.1M+20.3%	$9.3M+7.2%	$8.6M+9.1%	$7.9M+7.7%	$7.4M
Stock-Based Compensation	N/A	$6.9M+40.2%	$4.9M+15.9%	$4.3M+7.5%	$4.0M+22.0%	$3.2M+135.7%	$1.4M-7.5%	$1.5M-1.3%	$1.5M-13.6%	$1.7M+97.8%	$882K+37.0%	$644K-9.2%	$709K	N/A	N/A	N/A
Capital Expenditures	$21.4M	$13.4M-19.6%	$16.7M-3.1%	$17.3M+9.3%	$15.8M-17.8%	$19.2M+16.7%	$16.4M+89.7%	$8.7M-50.9%	$17.6M+24.6%	$14.2M-30.6%	$20.4M+17.0%	$17.4M+0.1%	$17.4M+53.8%	$11.3M-30.0%	$16.2M+9.5%	$14.8M
Free Cash Flow	$325.3M	$286.0M-2.4%	$292.9M+9.5%	$267.6M-13.3%	$308.5M-8.2%	$335.9M+73.0%	$194.2M+0.2%	$193.8M+14.9%	$168.7M-4.2%	$176.1M+25.5%	$140.3M+53.1%	$91.7M-19.6%	$114.0M+15.7%	$98.5M+28.2%	$76.9M-4.3%	$80.3M
Investing Cash Flow	-$1.0B	-$1.0B-37.9%	-$736.9M-678.9%	$127.3M+115.2%	-$838.0M+67.9%	-$2.6B-106.9%	-$1.3B-181.9%	-$447.8M-63.9%	-$273.3M+31.3%	-$398.0M-58.0%	-$252.0M	N/A	N/A	-$556.8M-88.7%	-$295.0M+10.9%	-$331.0M
Financing Cash Flow	$570.6M	$1.0B+57.7%	$654.1M+417.2%	-$206.2M-165.3%	$315.8M-84.6%	$2.1B+37.2%	$1.5B+436.3%	$279.3M+859.7%	-$36.8M-111.4%	$323.6M+332.6%	$74.8M	N/A	N/A	$298.2M-4.4%	$311.8M+40.2%	$222.5M
Dividends Paid	$108.9M	$106.0M+3.0%	$102.9M+2.9%	$100.0M+9.5%	$91.3M+14.6%	$79.7M+13.4%	$70.3M+15.2%	$61.1M+13.4%	$53.9M+10.0%	$49.0M+9.0%	$44.9M+15.8%	$38.8M+12.1%	$34.6M+41.1%	$24.5M-36.7%	$38.7M+31.9%	$29.4M
Share Buybacks	N/A	$0	$0-100.0%	$2.7M-71.0%	$9.4M	$0-100.0%	$8.0M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$83.7M+36.6%	$101.6M+32.3%	$74.9M-11.3%	$86.5M+7.1%	$61.3M-11.0%	$76.8M+1.6%	$84.5M+43.8%	$80.7M+10.4%
Depreciation & Amortization	$3.5M+19.6%	$3.6M+2.1%	$3.3M-5.3%	$3.9M+11.4%	$3.0M-8.3%	$3.5M+8.7%	$3.5M+6.5%	$3.5M+14.9%
Stock-Based Compensation	$753K+12.6%	$1.9M-1.3%	N/A	$639K+17.0%	$669K+37.9%	$1.9M+70.7%	N/A	$546K+39.6%
Capital Expenditures	$8.5M+232.0%	$4.1M+95.8%	$6.0M+24.9%	$2.8M-8.7%	$2.6M-48.4%	$2.1M-45.9%	$4.8M+23.5%	$3.1M-30.9%
Free Cash Flow	$75.2M+28.1%	$97.5M+30.5%	$68.9M-13.5%	$83.7M+7.7%	$58.7M-8.0%	$74.7M+4.2%	$79.7M+45.3%	$77.7M+13.1%
Investing Cash Flow	-$73.5M+67.0%	-$321.1M-125.5%	-$132.2M+60.7%	-$518.5M-376.1%	-$223.1M-0.5%	-$142.4M-104.9%	-$336.6M-934.5%	-$108.9M-1189.1%
Financing Cash Flow	-$167.0M-193.6%	-$121.4M-153.0%	$484.5M+12.2%	$374.5M+54.4%	-$56.9M+26.8%	$229.2M+299.1%	$431.8M+776.9%	$242.5M+441.3%
Dividends Paid	$27.3M+5.7%	$27.2M+5.7%	$27.3M+5.9%	$27.2M+5.8%	$25.8M+0.1%	$25.8M+0.2%	$25.7M+0.1%	$25.7M0.0%

Not reported in any period shown, so not listed: Share Buybacks.

FFIN Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FFIN quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	40.2%-0.4pp	40.6%+0.1pp	40.5%-3.5pp	44.0%-0.4pp	44.4%+3.2pp	41.3%-0.2pp	41.5%+1.2pp	40.2%+3.5pp	36.7%+3.2pp	33.6%-0.9pp	34.5%+0.2pp	34.3%+0.7pp	33.7%-1.4pp	35.0%+1.4pp	33.6%
Return on Equity	13.2%-0.7pp	13.9%+0.6pp	13.3%-5.2pp	18.5%+5.6pp	12.9%+0.9pp	12.0%-1.4pp	13.4%-0.9pp	14.3%+1.3pp	13.0%+0.5pp	12.5%0.0pp	12.5%-0.7pp	13.1%-0.3pp	13.4%+0.1pp	13.3%-0.1pp	13.4%
Return on Assets	1.6%0.0pp	1.6%+0.1pp	1.5%-0.3pp	1.8%+0.1pp	1.7%-0.1pp	1.8%-0.1pp	2.0%0.0pp	1.9%+0.3pp	1.7%+0.1pp	1.5%0.0pp	1.5%0.0pp	1.5%0.0pp	1.5%-0.1pp	1.7%0.0pp	1.7%
Debt-to-Equity	7.06-0.6x	7.700.0x	7.74-1.5x	9.25+2.8x	6.45+1.0x	5.50-0.2x	5.73-0.6x	6.34-0.5x	6.86-0.3x	7.13-0.2x	7.28-0.3x	7.58-0.3x	7.89+0.8x	7.080.0x	7.10
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.05
FCF Margin	45.3%-7.9pp	53.2%-1.2pp	54.4%-3.5pp	57.9%-7.7pp	65.5%+25.9pp	39.6%-9.1pp	48.8%+3.7pp	45.0%-8.7pp	53.7%+8.7pp	45.0%+13.5pp	31.5%-12.2pp	43.7%+1.6pp	42.0%+5.8pp	36.3%-3.2pp	39.5%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	41.6%-0.9pp	42.9%+1.7pp	44.5%+2.1pp	32.4%-7.3pp	42.6%+3.5pp	41.2%0.0pp	42.4%+3.9pp	39.7%-0.9pp
Return on Equity	3.6%-0.2pp	3.7%0.0pp	3.8%-0.1pp	2.9%-0.5pp	3.8%+0.4pp	3.6%+0.1pp	3.9%+0.8pp	3.3%-0.7pp
Return on Assets	0.5%0.0pp	0.5%0.0pp	0.5%0.0pp	0.4%-0.1pp	0.5%+0.1pp	0.4%0.0pp	0.4%+0.1pp	0.4%0.0pp
Debt-to-Equity	6.67-0.6x	6.92-0.6x	7.06-0.6x	7.11-0.1x	7.28-0.4x	7.52-0.3x	7.700.0x	7.17-2.1x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	43.5%+6.0pp	58.4%+8.3pp	41.8%-12.3pp	51.9%-3.8pp	37.5%-9.9pp	50.1%-5.2pp	54.2%+8.3pp	55.7%-0.5pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
First Financial Bankshares Inc FFIN	FY2025	$631.6M	$253.6M	40.2%	$4.8B	68/100
Atlantic Union Bankshares Corporation AUB	FY2025	$1.4B	$273.7M	19.9%	$5.7B	57/100
Hancock Whitney Corporation HWC	FY2025	$1.5B	$486.1M	32.1%	$6.1B	57/100
Ameris Bancorp ABCB	FY2025	$1.2B	$412.2M	34.1%	$5.7B	67/100
F.N.B. Corp FNB	FY2025	$1.8B	$565.0M	32.0%	$6.5B	55/100
Flagstar Bank, National Association FLG	FY2025	$2.1B	-$177.0M	-8.6%	$5.3B	8/100

Where First Financial Bankshares Inc Ranks

Frequently Asked Questions

What is First Financial Bankshares Inc's annual revenue?

First Financial Bankshares Inc (FFIN) reported $631.6M in total revenue for fiscal year 2025. This represents a 14.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is First Financial Bankshares Inc's revenue growing?

First Financial Bankshares Inc (FFIN) revenue grew by 14.7% year-over-year, from $550.7M to $631.6M in fiscal year 2025.

Is First Financial Bankshares Inc profitable?

Yes, First Financial Bankshares Inc (FFIN) reported a net income of $253.6M in fiscal year 2025, with a net profit margin of 40.2%.

What is First Financial Bankshares Inc's net profit margin?

First Financial Bankshares Inc (FFIN) had a net profit margin of 40.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does First Financial Bankshares Inc pay dividends?

Yes, First Financial Bankshares Inc (FFIN) paid $0.75 per share in dividends during fiscal year 2025.

What is First Financial Bankshares Inc's return on equity (ROE)?

First Financial Bankshares Inc (FFIN) has a return on equity of 13.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is First Financial Bankshares Inc's free cash flow?

First Financial Bankshares Inc (FFIN) generated $286.0M in free cash flow during fiscal year 2025. This represents a -2.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is First Financial Bankshares Inc's operating cash flow?

First Financial Bankshares Inc (FFIN) generated $299.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are First Financial Bankshares Inc's total assets?

First Financial Bankshares Inc (FFIN) had $15.4B in total assets as of fiscal year 2025, including both current and long-term assets.

What are First Financial Bankshares Inc's capital expenditures?

First Financial Bankshares Inc (FFIN) invested $13.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does First Financial Bankshares Inc have outstanding?

First Financial Bankshares Inc (FFIN) had 143M shares outstanding as of fiscal year 2025.

What is First Financial Bankshares Inc's debt-to-equity ratio?

First Financial Bankshares Inc (FFIN) had a debt-to-equity ratio of 7.06 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is First Financial Bankshares Inc's return on assets (ROA)?

First Financial Bankshares Inc (FFIN) had a return on assets of 1.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is First Financial Bankshares Inc's P/E ratio?

First Financial Bankshares Inc (FFIN) trades at 17.8x earnings, its market capitalization divided by net income of $269.0M net income, trailing 12 months to June 30, 2026. The market capitalization is $4.8B as of Sep 16, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is First Financial Bankshares Inc's price-to-sales ratio?

First Financial Bankshares Inc (FFIN) trades at 7.2x sales, its market capitalization divided by revenue of $665.6M revenue, trailing 12 months to June 30, 2026. The market capitalization is $4.8B as of Sep 16, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is First Financial Bankshares Inc's Piotroski F-Score?

First Financial Bankshares Inc (FFIN) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are First Financial Bankshares Inc's earnings high quality?

First Financial Bankshares Inc (FFIN) has an earnings quality ratio of 1.18x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is First Financial Bankshares Inc?

First Financial Bankshares Inc (FFIN) scores 68 out of 100 on our Financial Health Score, indicating strong standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.