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First Financial Bankshares

FFIN

First Financial Bankshares is a Texas-based financial holding company that operates a full-service commercial banking business through a regionalized community-banking model.

Market cap
$5.04B+4.2%
Revenue$665.6M+12.4%
Net income$269.0M+9.5%
EPS (diluted)$1.87+8.7%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 22, 2026 (in 3 months)
Revenue estimate$178.7M
EPS estimate$0.52

Financials

Q2 2026

Income statement

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Revenue$172.8M+10.3%
Net income$71.9M+7.9%
EPS (diluted)$0.50+6.4%

Balance sheet

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Total debt$21.8M-1.5%
Total equity$2.0B+14.9%
Total assets$15.3B+6.5%

Valuation & ratios

Valuation

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Market cap$5.04B+4.2%
P/E18.7×-1.2×
P/S7.6×-0.7×

Profitability

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Net margin40.4%-1.1pp

Returns & leverage

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Return on equity14.4%-0.7pp
Debt / equity0.0×

Competitors

Profile

First Financial Bankshares is a Texas-based financial holding company that operates a full-service commercial banking business through a regionalized community-banking model. The company provides diversified financial services including commercial and consumer lending, deposit services, and comprehensive trust and asset management. Its core value proposition centers on local decision-making and personalized customer service delivered across small and mid-size Texas markets.

Competitive position

A leading regional player in Texas with a significant presence in non-metropolitan and growing suburban markets, utilizing a decentralized 'local advisory board' strategy.

GeographiesTexas, United States
Customer segmentsRetail, Commercial, Institutional
Business modelInterest-based lending, Fee-based asset management, Transaction-based banking
SuppliersFederal Reserve System, Technology and Core Banking Software Providers, Third-party Data Processors, Credit Rating Agencies
CustomersIndividual Depositors, Commercial Borrowers, Real Estate Developers, Municipalities, Trust Beneficiaries
Listed1993
Employees1.5K
CEODavid W. Bailey
Websiteffin.com
FilingsSEC EDGAR

FAQ

What is First Financial Bankshares's market cap?
First Financial Bankshares (FFIN) has a market capitalization of $5.0B and trades on NASDAQ.
What is First Financial Bankshares's revenue and profitability?
First Financial Bankshares generated $665.6M in trailing twelve-month revenue with net income of $269.0M, representing a net margin of 40.4%. These figures are based on the Q2 2026 filing.
Who are First Financial Bankshares's competitors?
First Financial Bankshares's key competitors include JPMorgan Chase & Co., Wells Fargo & Company, Cullen/Frost Bankers, Inc., and others. These companies compete in similar markets and product categories.
Who does First Financial Bankshares partner with?
First Financial Bankshares's notable partners include The Ritz-Carlton Hotel Company, Risk Management Association.
What subsidiaries does First Financial Bankshares have?
First Financial Bankshares's subsidiaries include First Financial Bank, First Financial Trust & Asset Management Company, First Technology Services, Inc., and others.
Where is First Financial Bankshares headquartered?
First Financial Bankshares is headquartered in United States of America and employs approximately 1,500 people. It has been publicly traded since 1993.