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FIRST FINANCIAL BANKSHARES INC

FFIN

$30.68 ▼ -0.74 (-2.34%) at close

19 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

FIRST FINANCIAL BANKSHARES INC shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $4.4B

Dividend Yield 2.44%

Revenue Growth 14.7% ↗

Op. Margin 49.0% →

ROIC None

FCF / Share None

Trailing P/E 17.3x

Price / Book 2.3x

FCF Yield —

Debt / Equity 0.01

info Valuation on last close. End-of-day price, Nov 5, 2026.

19-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$631.60M

↑ +14.7% —

Net Income Profit after all expenses

$253.58M

↑ +13.5% —

Operating Margin Operating profit as % of sales

49.0%

↓ -0.7% 97th

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns →

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.75 Latest / share

+4.2% YoY

+4.0% 9-yr CAGR

$0.55

FY 2014

$0.62

FY 2015

$0.70

FY 2016

FY 2017

FY 2018

FY 2019

$0.51

FY 2020

$0.58

FY 2021

$0.66

FY 2022

$0.71

FY 2023

$0.72

FY 2024

$0.75

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue Growth YoY (%)	14.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+145%)	12.0% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+100%)	-7.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-229%)	4.0% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-33%)	4.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-23%)	23.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+287%)	6.1% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	14.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+138%)	5.0% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-16%)	7.2% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+20%)	11.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+91%)	11.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+90%)	10.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+77%)	4.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-31%)	9.6% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+60%)	4.4% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-26%)	2.6% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-57%)	—	—
EPS Growth YoY (%)	13.5% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	12.2% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-15.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	2.5% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	12.7% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	16.4% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	9.9% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-39.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	14.5% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	2.6% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	10.7% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-43.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	5.1% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	8.8% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	13.6% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	11.0% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	-32.8% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	13.5% Fair ↑ Fair Improving Year-over-year change in net income	12.3% Fair ↑ Fair Improving Year-over-year change in net income	-15.1% Weak ↓ Weak Declining Year-over-year change in net income	3.0% Caution ↓ Caution Declining Year-over-year change in net income	12.6% Fair ↓ Fair Declining Year-over-year change in net income	22.6% Good ↑ Good Improving Year-over-year change in net income	9.4% Fair ↓ Fair Declining Year-over-year change in net income	25.1% Excellent ↑ Excellent Improving Year-over-year change in net income	14.9% Fair ↑ Fair Improving Year-over-year change in net income	4.4% Caution ↓ Caution Declining Year-over-year change in net income	12.1% Fair ↑ Fair Improving Year-over-year change in net income	13.6% Fair ↑ Fair Improving Year-over-year change in net income	6.3% Fair ↓ Fair Declining Year-over-year change in net income	8.6% Fair → Fair Stable Year-over-year change in net income	14.6% Fair ↑ Fair Improving Year-over-year change in net income	10.9% Fair Fair Year-over-year change in net income	1.2% Caution Caution Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	5.8% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	2.4% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	0.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	10.3% Good ↓ Good Declining Compound annual revenue growth over 3 years	11.0% Good → Good Stable Compound annual revenue growth over 3 years	14.3% Good ↑ Good Improving Compound annual revenue growth over 3 years	8.4% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	8.8% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	7.9% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	10.0% Good ↑ Good Improving Compound annual revenue growth over 3 years	11.1% Good ↑ Good Improving Compound annual revenue growth over 3 years	8.7% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	8.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.0% Fair Fair Compound annual revenue growth over 3 years	5.5% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	5.2% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	6.7% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	5.6% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	10.2% Good → Good Stable Compound annual revenue growth over 5 years	10.4% Good ↑ Good Improving Compound annual revenue growth over 5 years	11.0% Good ↑ Good Improving Compound annual revenue growth over 5 years	8.8% Good ↓ Good Declining Compound annual revenue growth over 5 years	9.8% Good ↑ Good Improving Compound annual revenue growth over 5 years	9.1% Good → Good Stable Compound annual revenue growth over 5 years	8.9% Good ↑ Good Improving Compound annual revenue growth over 5 years	9.4% Good ↑ Good Improving Compound annual revenue growth over 5 years	8.0% Fair Fair Compound annual revenue growth over 5 years	6.2% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	2.6% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	-0.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-0.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	10.4% Good ↑ Good Improving Compound annual EPS growth over 3 years	13.0% Good ↑ Good Improving Compound annual EPS growth over 3 years	-7.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-8.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-10.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	9.1% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-13.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-13.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-13.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	9.1% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	11.1% Good Good Compound annual EPS growth over 3 years	-5.4% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Operating Margin (%) (%)	49.0% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+96%)	49.4% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+97%)	49.5% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+98%)	52.7% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+111%)	53.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+112%)	49.5% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+98%)	49.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+99%)	47.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+90%)	44.9% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+80%)	43.6% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+74%)	45.3% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+81%)	45.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+82%)	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	18.1% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.8% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.2% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.5% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.3% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.6% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.8% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.5% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.2% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.9% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.8% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.5% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—
Profit Margin (%) (%)	40.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+82%)	40.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+84%)	40.5% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+84%)	44.0% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+100%)	44.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+102%)	41.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+87%)	41.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+88%)	40.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+83%)	36.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+67%)	33.6% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+53%)	34.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+57%)	34.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+56%)	33.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+53%)	35.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+59%)	33.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+53%)	32.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	30.3% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	30.7% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.6% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	2.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.5% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.5% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.5% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.6% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—
Return on Common Equity (%) (%)	13.2% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+10%)	13.9% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+16%)	13.3% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+11%)	18.5% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+54%)	12.9% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+8%)	12.0% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	13.4% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+12%)	14.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+19%)	13.0% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+9%)	12.5% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	12.5% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	13.1% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+10%)	13.4% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+12%)	13.3% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+11%)	13.4% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+12%)	13.5% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+13%)	12.9% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+8%)	14.4% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+20%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Debt to Equity (x)	0.01x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-99%)	0.08x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-93%)	0.01x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-99%)	0.02x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-98%)	0.38x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-68%)	0.26x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-79%)	0.31x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-74%)	0.44x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-63%)	0.36x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-70%)	0.53x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-56%)	0.76x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-36%)	—	0.79x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-34%)	0.47x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-61%)	0.41x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-66%)	0.40x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-66%)	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue per Share (USD)	$4.41	$3.86	$3.45	$3.74	$3.60	$3.45	$2.93	$2.77	$4.96	$4.73	$4.48	$4.07	$7.37	$6.73	$6.47	$5.93	$5.69	—	—
Basic EPS, GAAP (USD)	$1.77	$1.56	$1.39	$1.64	$1.60	$1.42	$1.22	$1.11	$1.82	$1.59	$1.55	$1.40	$2.48	$2.36	$2.17	$1.91	$1.72	$2.56	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.75	$0.72	$0.71	$0.66	$0.58	$0.51	—	—	—	$0.70	$0.62	$0.55	$1.03	$0.99	$0.95	$0.91	$0.91	$1.34	—
Book Value per Share (USD)	$13.40	$11.25	$10.50	$8.88	$12.36	$11.82	$9.05	$7.79	$13.95	$12.69	$12.40	$10.64	$18.49	$17.69	$16.17	$14.12	$13.32	—	—
Tangible Book Value per Share (USD)	$11.21	$9.05	$8.31	$6.68	$10.16	$9.61	$7.78	$6.52	$11.84	$10.57	$10.25	$9.16	$18.49	$17.69	$16.17	$14.12	$13.32	—	—
Basic Weighted Avg Shares (shares)	143.07M	142.82M	142.69M	142.60M	142.29M	142.03M	135.65M	135.22M	66.13M	66.01M	64.89M	64.05M	31.79M	31.48M	31.44M	31.29M	31.22M	—	—
Dividend Payout Ratio (%)	42.4% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	46.2% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	51.1% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	40.2% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	36.2% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	35.9% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	44.0% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	40.0% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	39.3% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	41.5% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	41.9% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	43.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	47.6% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	52.9% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	52.3% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$1.92B	$1.61B	$1.50B	$1.27B	$1.76B	$1.68B	$1.23B	$1.05B	$922.77M	$837.88M	$804.99M	$681.54M	$587.65M	$556.96M	$508.54M	$441.69M	$415.70M	$368.78M	$335.50M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Sales/Revenue/Turnover (USD)	$631.60M	$550.73M	$491.81M	$533.08M	$512.54M	$489.82M	$397.52M	$374.52M	$327.70M	$311.97M	$290.97M	$260.98M	$234.33M	$211.89M	$203.44M	$185.65M	$177.77M	$173.35M	—
Depreciation Expense (USD)	$11.33M	$11.31M	$10.84M	$10.82M	$10.50M	$9.87M	$9.80M	$10.13M	$9.81M	$9.39M	$9.12M	$7.83M	$7.20M	$6.49M	$5.88M	$5.60M	$6.03M	—	—
Net Income, GAAP (USD)	$253.58M	$223.51M	$198.98M	$234.47M	$227.56M	$202.03M	$164.81M	$150.64M	$120.37M	$104.77M	$100.38M	$89.56M	$78.87M	$74.22M	$68.37M	$59.66M	$53.80M	$53.16M	—
Operating Cash Flow (USD)	$299.44M	$309.64M	$284.82M	$324.27M	$353.23M	$210.67M	$202.45M	$188.99M	$190.27M	—	—	—	$109.86M	$93.06M	$95.11M	$71.83M	$171.51M	$-10.49M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Net Interest Margin (approx.) (%)	3.2%	3.1%	2.9%	3.1%	2.8%	3.2%	3.5%	3.5%	3.3%	3.3%	3.3%	3.3%	3.3%	3.4%	3.7%	3.6%	—	—	—
Efficiency Ratio (%) (%)	46.5%	48.1%	48.4%	44.0%	47.2%	46.5%	49.4%	50.9%	53.1%	53.2%	51.4%	52.8%	53.8%	51.5%	51.4%	52.9%	52.9%	52.8%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 19 years · 72 quarters

FIRST FINANCIAL BANKSHARES INC

Analytical Summary

19-Year Financial Trajectory

Bullish Indicators

Bearish Risks

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Dividend History

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