First Financial Bankshares
Runs a Texas community bank with regional lending, deposits, and wealth-management services.
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Profile
Runs a Texas community-banking franchise that takes deposits and provides commercial, real estate, mortgage, agricultural, and consumer loans, alongside trust and wealth-management services. A single bank operates through eight regional organizations with local advisory boards and shared technology, concentrating the business in small and midsize Texas markets.
Operates a full-service commercial bank across eight regional organizations in Texas, accepting deposits and providing commercial, real estate, mortgage, agricultural, and consumer lending alongside payments and digital banking. Regional advisory boards support local management while technology and other corporate functions are shared across the network.
Adds investment management, retirement planning, trust and estate administration, mineral management, real-property management, and fiduciary services through First Financial Wealth Management, the renamed trust subsidiary. Growth combines existing-market expansion, new branches, and selective bank acquisitions. The franchise is concentrated in small and midsize Texas markets and remains subject to Federal Reserve, Texas banking, FDIC, and other banking oversight.
Company facts
Categories
Key statistics
Year to date +11.2% · Average volume (30d) 669.9K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Rating | Prior target | Target |
|---|---|---|---|---|---|
| Aug 27, 2026 | Piper Sandler | Initiate | Neutral | $35 | |
| Jul 15, 2026 | Cantor Fitzgerald | Reiterate | Neutral | $39 | $35 |
| Jun 24, 2026 | Benchmark | Initiate | Buy | ||
| Oct 27, 2025 | Hovde Group | Target | $39 | ||
| Sep 9, 2025 | Cantor Fitzgerald | Target | $39 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 16, 2026Q2 FY26 | $0.50 | $0.50 | 0.0% | $173.0M | $172.8M | −0.2% | −3.23% |
| Apr 16, 2026Q1 FY26 | $0.47 | $0.50 | +6.4% | $166.3M | $166.9M | +0.3% | +4.88% |
| Jan 22, 2026Q4 FY25 | $0.48 | $0.51 | +6.3% | $166.2M | $164.7M | −0.9% | −2.82% |
| Oct 23, 2025Q3 FY25 | $0.43 | $0.36 | −15.9% | $162.3M | $157.5M | −2.9% | −2.29% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $193.7M | $205.7M | $210.2M | $216.2M | $215.0M | $221.8M | |
| Gross profit | $141.8M | $153.5M | $133.1M | $164.7M | $164.6M | $168.6M | |
| Operating income | $75.2M | $81.7M | $63.2M | $89.6M | $87.8M | $87.5M | |
| Net income | $61.3M | $66.7M | $52.3M | $73.3M | $71.5M | $71.9M | |
| Diluted EPS | $0.43 | $0.47 | $0.36 | $0.51 | $0.50 | $0.50 | |
| Gross margin | 73.2% | 74.6% | 63.3% | 76.2% | 76.5% | 76.0% | |
| Operating margin | 38.8% | 39.7% | 30.0% | 41.4% | 40.8% | 39.4% |
Fiscal years (4-quarter sums)FY21 $505.6M · FY22 $551.3M · FY23 $622.3M · FY24 $739.2M · FY25 $825.8M
Balance sheet, Jun 30, 2026Cash & short-term investments $284.8M · Total debt $75.5M · Total assets $15.31B · Shareholders' equity $2.00B
Dividends
Raised for 31 straight years — most recently to $0.22 from $0.19 in Jun 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jun 12, 2026 | Jun 12 | Jul 1 | $0.22 | raised from $0.19 |
| Mar 13, 2026 | Mar 13 | Apr 1 | $0.19 | |
| Dec 15, 2025 | Dec 15 | Jan 2 | $0.19 | |
| Sep 15, 2025 | Sep 15 | Oct 1 | $0.19 | |
| Jun 16, 2025 | Jun 16 | Jul 1 | $0.19 | raised from $0.18 |
| Mar 14, 2025 | Mar 14 | Apr 1 | $0.18 | |
| Dec 13, 2024 | Dec 13 | Jan 2 | $0.18 | |
| Sep 12, 2024 | Sep 12 | Oct 1 | $0.18 |
Ownership
Shares outstanding 143.28M · Float 137.76M · 96.2% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 18.23M | 12.73% | 13F | Aug 7, 2026 |
| Vanguard Portfolio Management LLC | 7.30M | 5.10% | 13F | Aug 13, 2026 |
| State Street Corp | 6.76M | 4.72% | 13F | Aug 7, 2026 |
| Vanguard Capital Management LLC | 5.58M | 3.89% | 13F | Aug 13, 2026 |
| Neuberger Berman Group LLC | 4.48M | 3.13% | 13F | Aug 13, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 18, 2026 | Michael B. Denny | director | +3,000 | $34.66 |
| Aug 17, 2026 | Ronald David II Butler | officer: EVP/CAO | −15,000 | $34.95 |
| Jul 24, 2026 | Robert Clark Jr Nickles | director | +700 | $34.89 |
| Jun 11, 2026 | Murray Hamilton Edwards | director | +1,000 | $33.18 |
| May 5, 2026 | Robert Clark Jr Nickles | director | +664 | $31.96 |
Peers
- Cullen/Frost Bankers
Texas-only bank with deep trust and deposit overlap across shared markets.
- Prosperity Bancshares
Texas-focused acquirer with direct branch overlap in FFIN's core markets.
- Texas Capital
Dallas-based Texas middle-market bank with treasury and investment banking.
- International Bancshares
South/West Texas multi-bank holding company with border-commerce banking niche.
- Southside Bancshares
Texas community bank anchored in East/Southeast Texas with trust services.
- South Plains Financial
Lubbock-based West Texas community bank with agricultural and commercial focus.
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| First Financial Bankshares | $33.39 | +0.03% | $4.78B | 17.9 | 15.8 | 5.5 | +10.3% |
| Cullen/Frost Bankers | $161.69 | −0.01% | $10.05B | 15.3 | 14.3 | 3.8 | +9.4% |
| Prosperity Bancshares | $72.30 | +0.01% | $8.69B | 12.5 | 10.8 | 4.9 | +25.9% |
| Texas Capital | $98.87 | +0.22% | $4.29B | 12.9 | 12.9 | 2.2 | +9.1% |
| International Bancshares | $70.93 | +0.01% | $4.41B | 10.7 | 10.9 | 4.1 | +1.0% |
| Southside Bancshares | $31.88 | −0.06% | $948.5M | 12.6 | 10.1 | 2.1 | +10.2% |
| South Plains Financial | $43.66 | +0.09% | $835.9M | 11.9 | 11.0 | 2.8 | +18.0% |
| Median | 12.5 | 10.9 | 3.3 | +9.8% |