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First Financial Bankshares FFIN Q4 2025 Annual earnings

Reported January 22, 2026 · Before market open

Revenue$164.7MMiss by $1.5M
EPS$0.51Beat by $0.03
Revenue estimate$166.2M
EPS estimate$0.48

Next report

Oct 22, 2026 (In 2 weeks)
Revenue estimate$178.9M
EPS estimate$0.52

Financials

Q4 2025

Income statement

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Revenue$164.7M+12.0%
Net income$73.3M+17.6%
EPS (diluted)$0.51+18.6%

Balance sheet

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Cash & equivalents$1.1B+41.2%
Total debt$21.7M-84.0%
Total equity$1.9B+19.3%
Total assets$15.4B+10.5%

Cash flow

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Operating cash flow$74.9M-11.3%
CapEx$6.0M+24.9%
Free cash flow$68.9M-13.5%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$4.28B-16.4%
Enterprise value$3.22B-28.3%
P/E16.9×-6.0×
P/S6.8×-2.5×

Profitability

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Net margin40.1%-0.4pp
FCF margin45.3%-7.9pp

Returns & leverage

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Return on equity14.4%0.0pp
Debt / equity0×-0.1×

FAQ

When did First Financial Bankshares report Q4 2025 earnings?
First Financial Bankshares (FFIN) reported Q4 2025 earnings on January 22, 2026 before market open.
What were First Financial Bankshares's Q4 2025 revenue and EPS?
First Financial Bankshares reported revenue of $164.7M and eps of $0.51 for Q4 2025.
Did First Financial Bankshares beat estimates in Q4 2025?
Revenue missed the consensus estimate of $166.2M by $1.5M. EPS beat the consensus estimate of $0.48 by $0.03.
How did First Financial Bankshares's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 14.7% from $143.6M a year earlier and eps grew 18.6% from $0.43.
Where can I find First Financial Bankshares's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001193125-26-021241) and the 10-K periodic report (0001193125-26-071549) directly on SEC EDGAR. The filing index links above go to sec.gov.