FFIN
First Financial Bankshares, Inc.31.49
+0.12+0.38%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '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
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.
10-Q
Q2 FY2025 results
First Financial Bankshares posted solid Q2 FY2025 results, with net interest income climbing 20.8% year-over-year to $123.7M on stronger loan yields and a shift toward higher-earning assets, while total revenue edged up 5.9% to $156.6M. Earnings hit $66.7M, up 27% from last year, driving diluted EPS to $0.47—a 27% gain—fueled by robust trust fees from $11.5B in managed assets and mortgage gains. Noninterest expenses rose 10.3% to $71.7M, mainly from salaries and software costs, yet the efficiency ratio improved to 45.0%. Liquidity stays strong with $708M in cash equivalents and $2.2B available from FHLB lines, while borrowings dropped sharply to $22.2M. No M&A or impairments noted. Non-GAAP metrics not disclosed in the 10-Q. Interest rate volatility remains a key watch point.
8-K
Stock repurchase plan renewed
First Financial Bankshares renewed its stock repurchase plan on July 22, 2025, extending authorization to buy back up to 5 million common shares—about 3.5% of outstanding—through July 31, 2026. The move signals board confidence in the company's strong capital position amid attractive share prices. Repurchases will occur opportunistically via open market or private deals, subject to market conditions and regulatory nods. Yet risks like interest rate shifts could sway execution.
8-K
Q2 earnings surge 27%
First Financial Bankshares reported Q2 2025 net income of $66.66 million, up 27% from $52.49 million a year ago, fueled by robust loan and deposit growth alongside a net interest margin expansion to 3.81%. While noninterest expenses climbed on salary hikes and software investments, the efficiency ratio improved to 44.97%, signaling tighter operations. Loans hit $8.07 billion; deposits reached $12.50 billion. Outlook remains solid for yield gains and continued expansion.
8-K
Doubles revolving credit to $50M
First Financial Bankshares renewed its unsecured revolving credit line with Frost Bank on June 30, 2025, doubling the limit to $50 million from $25 million. The facility, for bank acquisitions, working capital, and stock repurchases, carries interest at the WSJ prime rate (floor 3.50%) with quarterly payments through June 30, 2027, then converting to a five-year term loan maturing in 2032. No borrowings occurred in 2023-2025, yet covenants cap dividends at 55% of net income—below the company's recent 42% payout. This bolsters liquidity without immediate debt.
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