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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.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
First Financial Bankshares, Inc. is a regional bank holding company serving commercial and consumer clients in the U.S. Midwest with deposit, lending, mortgage and wealth management services. Long-term growth may be supported by loan and deposit expansion, improving net interest margins when rate trends allow, and higher fee income from wealth services; the franchise appears positioned to generate stable, deposit-funded cash flow.
Key risks include sensitivity to interest-rate and margin swings, credit stress in commercial real estate or concentrated commercial lending, deposit competition, and adverse regional or regulatory developments.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 309.61M | 271.85M | 243.30M | 280.87M | 271.97M |
| Net income | 253.59M | 223.51M | 198.98M | 234.47M | 227.56M |
| Selling general administrative | 211.56M | 162.69M | 144.99M | 137.84M | 147.08M |
| Selling and marketing expenses | 3.06M | 2.87M | 2.78M | 6.38M | 6.37M |
| Gross profit | 593.11M | 523.22M | 634.55M | 520.85M | 500.57M |
| Reconciled depreciation | 13.65M | 13.43M | 12.58M | 11.21M | 12.73M |
| Ebit | 309.61M | 271.85M | 243.30M | 313.87M | 271.97M |
| Ebitda | 319.94M | 285.27M | 243.30M | 325.08M | 284.70M |
| Depreciation and amortization | 10.33M | 13.43M | 0.91M | 11.21M | 12.73M |
| Operating income | 309.61M | 271.85M | 243.30M | 313.87M | 271.97M |
| Other operating expenses | 516.19M | 467.37M | 243.30M | -206.98M | -228.60M |
| Interest expense | 201.59M | 202.18M | 144.26M | 31.44M | 6.04M |
| Tax provision | 56.02M | 48.34M | 44.32M | 46.40M | 44.41M |
| Interest income | 706.07M | 631.93M | 530.12M | 435.69M | 380.44M |
| Net interest income | 504.48M | 429.75M | 385.86M | 404.25M | 374.40M |
| Income tax expense | 56.02M | 48.34M | 44.32M | 46.40M | 44.41M |
| Total revenue | 825.80M | 739.21M | 634.55M | 520.85M | 500.57M |
| Total operating expenses | 283.50M | 251.37M | 243.30M | -206.98M | -228.60M |
| Cost of revenue | 232.69M | 216.00M | 3.13M | - | - |
| Total other income expense net | - | 0.48M | 243.30M | -32.99M | -6.04M |
| Net income from continuing ops | 253.58M | 223.51M | 198.98M | 234.47M | 227.56M |
| Net income applicable to common shares | - | - | - | 234.47M | 227.56M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 15446.48M | 13979.42M | 13105.59M | 12974.07M | 13102.46M |
| Intangible assets | 0.17M | 314.00M | 314.62M | 2.05M | 3.30M |
| Other current assets | 29.99M | - | 537.07M | -61.57M | -1039.03M |
| Total liab | 13529.16M | 12372.86M | 11606.69M | 11708.33M | 671.15M |
| Total stockholder equity | 1917.32M | 1606.56M | 1498.90M | 1265.74M | 1759.22M |
| Other current liab | 161.95M | 12099.17M | 3461.30M | 11005.51M | 10566.49M |
| Common stock | 1.43M | 1.43M | 1.43M | 1.43M | 1.43M |
| Capital stock | 1.43M | 1.43M | 1.43M | 1.43M | 1.43M |
| Retained earnings | 1440.11M | 1340.08M | 1219.53M | 1121.94M | 981.67M |
| Other liab | - | - | - | 35.96M | 105.60M |
| Good will | 313.48M | - | 313.48M | 313.48M | 313.48M |
| Other assets | - | 8635.75M | 0.00M | 1226.16M | -1039.03M |
| Cash | 1077.99M | 763.41M | 536.59M | 330.68M | 528.59M |
| Total current liabilities | 13529.16M | 12175.14M | 3844.33M | 802.09M | 11237.64M |
| Net debt | -1056.31M | -566.39M | -132.51M | 311.83M | 142.56M |
| Short term debt | 21.68M | 75.97M | 383.03M | 802.09M | 671.15M |
| Short long term debt total | 21.68M | 197.02M | 404.08M | 642.51M | 671.15M |
| Other stockholder equity | 697.31M | 689.34M | 669.39M | 677.59M | 676.87M |
| Property plant equipment | - | - | - | 152.97M | 149.76M |
| Total current assets | 9160.72M | 1052.40M | 537.07M | 5805.04M | 7101.77M |
| Long term investments | 2765.44M | 4617.76M | 4732.76M | 5474.36M | 6573.18M |
| Net tangible assets | - | - | - | 950.20M | 1442.44M |
| Short term investments | 5514.11M | 288.99M | 4732.76M | 5474.36M | 6573.18M |
| Net receivables | 8052.74M | - | - | - | - |
| Long term debt | 21.05M | 121.05M | 21.05M | 642.51M | 671.15M |
| Inventory | - | - | - | - | 2.48M |
| Accounts payable | 13345.53M | - | - | 24.28M | 10566.49M |
| Accumulated other comprehensive income | -221.53M | -424.29M | -391.44M | -535.23M | 99.25M |
| Common stock total equity | - | - | - | 1.43M | 1.43M |
| Retained earnings total equity | - | - | - | 1121.94M | 981.67M |
| Non currrent assets other | 308.01M | 309.33M | 294.61M | -5942.87M | -7039.72M |
| Non current assets total | 6285.76M | 12927.02M | 12568.52M | 5942.87M | 7039.72M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -738.88M | -736.88M | 127.29M | -823.41M | -2593.27M |
| Change to liabilities | - | - | - | 0.00M | 0.00M |
| Total cashflows from investing activities | -1037.36M | -736.88M | 127.29M | -838.00M | -2611.65M |
| Net borrowings | -112.38M | -207.06M | -238.43M | -28.64M | 241.06M |
| Total cash from financing activities | 1031.35M | 654.06M | -206.20M | 316.15M | 2057.92M |
| Change to operating activities | - | - | - | -1.70M | 45.49M |
| Net income | 253.58M | 223.51M | 198.98M | 234.47M | 227.56M |
| Change in cash | 314.57M | 226.82M | 205.91M | -197.91M | -200.50M |
| Begin period cash flow | 763.41M | 536.59M | 330.68M | 528.59M | 729.08M |
| End period cash flow | 1077.99M | 763.41M | 536.59M | 330.68M | 528.59M |
| Total cash from operating activities | 320.58M | 309.64M | 284.82M | 323.94M | 353.23M |
| Depreciation | 13.65M | 13.43M | 12.58M | 12.76M | 13.06M |
| Other cashflows from investing activities | -288.12M | -763.80M | -704.66M | 1.19M | 0.82M |
| Dividends paid | 106.00M | 102.91M | 99.97M | -91.31M | -79.71M |
| Sale purchase of stock | 0.00M | 0.00M | -2.74M | -9.45M | 5.91M |
| Other cashflows from financing activities | 1246.36M | 960.87M | 134.93M | 416.92M | 2137.64M |
| Change to netincome | - | - | - | 89.47M | 125.67M |
| Capital expenditures | 13.44M | 16.72M | 17.25M | 15.78M | 19.20M |
| Cash and cash equivalents changes | - | - | - | -197.91M | -200.50M |
| Change in working capital | -20.13M | 9.91M | 0.53M | -1.70M | 45.49M |
| Stock based compensation | 6.92M | 4.93M | 4.26M | - | - |
| Other non cash items | 87.13M | 58.48M | 68.84M | 82.61M | 63.59M |
| Free cash flow | 307.14M | 292.92M | 267.57M | 308.16M | 334.03M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| FFIN First Financial Bankshares Inc |
0.11 0.36% |
30.31 | 17.53 | 24.57 | 7.43 | 2.38 | 7.31 |
| DBSDY DBS Group Holdings Ltd ADR |
0.20 0.09% |
231.02 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
-0.36 1.07% |
33.16 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
- -% |
84.14 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
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.
| Name | Title | Year Born |
|---|---|---|
| Mr. F. Scott Dueser | Chairman, Pres & CEO | 1953 |
| Mr. James R. Gordon | Exec. VP, CFO, Sec. & Treasurer | 1966 |
| Mr. Ronald D. Butler II | Exec. VP & Chief Admin. Officer | 1961 |
| Mr. Kirk W. Thaxton | Chairman, CEO & Pres of First Financial Trust & Asset Mgmt Co. NA | 1961 |
| Mr. J. Kyle McVey CPA, CPA | Exec. VP & Chief Accounting Officer | NA |
| Mr. John James Ruzicka | Exec. VP & Chief Information Officer | 1958 |
| Mr. Lawrence B. Kentz | Chief Compliance Officer | NA |
| Mr. Chris Cook | Exec. VP of Marketing | NA |
| Ms. Patricia L. Schulz | Exec. VP of HR | NA |
| Mr. Tommy J. Barrow | Sr. VP of Lending | NA |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.
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