First Financial Bank/$FFIN

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About First Financial Bank

First Financial Bankshares Inc is a financial and bank holding company. The company operates one line of business (community banking) located in a single geographic area (Texas). The company conducts a full-service commercial banking business through its subsidiaries. The loan portfolio segments of the company include Commercial and Industrial, Municipal, Agricultural, Construction and Development, Farm, Non-Owner Occupied and Owner Occupied Commercial Real Estate, Residential, Consumer Auto and Consumer Non-Auto. It derives maximum revenue from Construction and Development Segment.

Ticker

$FFIN
Sector
Primary listing

Employees

1,450

FFIN Metrics

BasicAdvanced
$4.6B
18.85
$1.71
0.86
$0.74
2.36%

What the Analysts think about FFIN

Analyst ratings (Buy, Hold, Sell) for First Financial Bank stock.

Bulls say / Bears say

Robust capital buffers: FFIN reported a Common Equity Tier 1 capital ratio of 19.16% at June 30, 2025, far exceeding regulatory minima and providing strong loss-absorption capacity (First Financial IR)
Improving interest margins: Net interest margin expanded to 3.81% in Q2 2025 from 3.48% in Q2 2024, driving a 19.8% year-over-year increase in net interest income to $123.73 million (Nasdaq)
Strong balance-sheet growth: Loans grew 6.53% annualized quarter-over-quarter to $8.07 billion in Q2 2025, while deposits grew 5.57% annualized year-to-date, underpinning continued net interest income expansion (Marketchameleon)
High concentration in commercial real estate (CRE): Texas community banks hold 55% of their loans in CRE versus 42% for regional peers, and FFIN derives its largest revenue from construction and development loans, leaving it vulnerable to CRE market downturns (Dallas Fed)
Rising asset-quality pressure: FFIN’s provision for credit losses jumped to $3.53 million in Q1 2025 from $808 thousand in Q1 2024, while nonperforming assets rose to 0.78% of loans, signaling potential credit deterioration (Investing.com)
Limited geographic diversification amid sector consolidation: FFIN operates solely in Texas, putting it at a competitive disadvantage as U.S. regional banks pursue mergers to achieve scale and cost efficiencies (Financial Times)
Data summarised monthly by Lightyear AI. Last updated on 10 Oct 2025.

FFIN Financial Performance

Revenues and expenses
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

FFIN Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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