FFIN
First Financial Bankshares, Inc.31.49
+0.12+0.38%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
No earnings call transcript available
Key Stats
Market Cap
4.51BP/E (TTM)
18.63Basic EPS (TTM)
1.69Dividend Yield
0.02%Recent Filings
10-K
FY2025 results
First Financial Bankshares grew total assets to $15.45B in FY2025 ended December 31, 2025, with loans HFI hitting $8.16B (up from $7.91B at 2024-end) and deposits climbing to $13.35B. Net earnings jumped 13% to $253.6M, fueled by net interest income expansion to $500.9M on stronger loan yields and deposit growth, though Q4 provision swung to a $2.5M credit after Q3's $24.4M fraud hit. Margins widened to 3.79% as lower-yield securities shifted to loans. Capital stayed rock-solid at 21.17% total risk-based. No buybacks despite 5M-share authorization. Interest rate volatility looms large.
8-K
Bailey named CEO Feb 1
First Financial Bankshares promotes David Bailey, 42, to President and CEO effective February 1, 2026, succeeding F. Scott Dueser, who shifts to advisory Executive Chairman through the 2028 annual meeting. Dueser's transition deal sets 2026 base salary at $1,105,000, dropping to $772,500 in 2027 and $400,000 in 2028, plus a $900,000 target equity award. Smooth handover preserves leadership continuity.
8-K
Record Q4 earnings, deposit surge
First Financial Bankshares posted record Q4 2025 net income of $73.31 million, up from $52.27 million in Q3 and $62.32 million a year ago, fueled by $131.37 million net interest income and a $2.49 million credit provision reversal. Deposits surged $1.25 billion yearly to $13.41 billion, while loans hit $8.16 billion. Assets grew to $15.45 billion. Strong growth persists.
10-Q
Q3 FY2025 results
First Financial Bankshares posted Q3 net earnings of $52.3M, down from $55.3M y/y, with diluted EPS slipping to $0.36 from $0.39 amid a $24.4M provision for credit losses (up sharply from $6.1M y/y, tied to a $21.6M fraud-related charge-off in C&I). Net interest income climbed 19% y/y to $127M on 7% loan growth to $8.24B average and wider 3.80% NIM (derived), fueled by higher yields on loans and securities while deposit costs eased. Noninterest income edged up 6% to $34.3M on trust fees and mortgage gains; expenses rose 12% to $73.7M, mainly salaries. Cash hit $651M with borrowings low at $22M; no repurchases. Non-GAAP metrics not disclosed in the 10-Q. Fraud losses expose credit vetting gaps.
8-K
Q3 earnings hit by fraud loss
First Financial Bankshares reported Q3 2025 net income of $52.27 million, down from $55.31 million a year ago, hammered by a $21.55 million credit loss from suspected fraud in a commercial loan. Net interest income climbed to $127.00 million with a 3.80% margin, while loans and deposits grew 8.29% and 7.95% annualized, respectively. Core trends hold strong. Year-to-date earnings rose nearly 12%. Recovery remains uncertain amid legal action.
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