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First Financial Bankshares FFIN · USD

Financials · US listing · 🇺🇸 United States

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30.76

+1.15%

Close of 9 Nov 2026, in USD

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About First Financial Bankshares

From its filings with the US Securities and Exchange Commission

SEC filings

First Financial Bankshares is based in Abilene, Texas and is incorporated in Texas. Its shares trade on Nasdaq under the ticker FFIN. The SEC classifies its business as state commercial banks. In the fiscal year to 31 December 2025, it reported net income of $253.6m. At that date it held total assets of $15.45bn and shareholders' equity of $1.92bn.

In its own words

Through our subsidiaries, we conduct a full-service commercial banking business. Our banking centers are located primarily in Central, North Central, Southeast and West Texas. As of December 31, 2025, we had 79 financial centers across Texas, with ten locations in Abilene, five locations in Bryan/College Station, three locations in Weatherford, two locations in Cleburne, Conroe, San Angelo, Stephenville, and Granbury, and one location each in Acton, Albany, Aledo, Alvarado, Beaumont, Boyd, Bridgeport, Brock, Burleson, Cisco, Clyde, Cut and Shoot, Decatur, Eastland, El Campo, Fort Worth, Franklin, Fulshear, Glen Rose, Grapevine, Hereford, Huntsville, Keller, Kingwood, Lumberton, Magnolia, Mauriceville, Merkel, Midlothian, Mineral Wells, Montgomery, Moran, New Waverly, Newton, Odessa, Orange, Palacios, Port Arthur, Ranger, Rising Star, Roby, Southlake, Spring, Sweetwater, Tomball, Trent, Trophy Club, Vidor, Waxahachie, Willis and Willow Park. Additionally, we operate mortgage loan offices in Austin and Addison, as well as Trust offices in Abilene, Beaumont, Bryan/College Station, Fort Worth, Houston, Odessa, San Angelo, Stephenville and Sweetwater.

Quoted from its 10-K, filed 25 Feb 2026. Read the filing on SEC.gov ↗

Company facts

Sector
Financials
Industry
Banks
Listed since
1 Nov 1993
Employees
1,600
Website
ffin.com ↗
Head office
400 PINE STREET, ABILENE, TX, 79601
Incorporated in
TX
Classification
State Commercial Banks
Filer status
Large accelerated filer

Leadership

Pay as last reported

  • Mr. F. Scott DueserChairman of the Board, Chief Executive Officer, since 1991$3.6m
  • Mr. David BaileyPresident$903,625
  • Ms. Michelle HickoxChief Financial Officer, Executive Vice President$1.4m
  • Mr. Lon BiebighauserPresident, First Financial Trust & Asset Management Company
  • Mr. James HintonPresident of First Financial Mortgage
  • Mr. Kirk ThaxtonChairman, President and Chief Executive Officer of First Financial Trust and Asset Management Company$1.2m
  • Mr. J. Kyle McveyExecutive Vice President, Chief Accounting Officer
  • Mr. Ronald ButlerExecutive Vice President, Chief Administrative Officer$1.4m
  • Mr. John RuzickaExecutive Vice President, Chief Information Officer
  • Mr. Randall RoeweExecutive Vice President, Chief Risk Officer
  • Mr. Brian GoodrichExecutive Vice President, General Counsel
  • Mr. Jeff VorheesExecutive Vice President, Treasurer

Environmental, social and governance

Scores out of 100, from our data supplier

ESG
Overall
35
Environment
6
Social
51
Governance
49
Women in the workforce
71%
Carbon reduction policy
No
Human rights policy
No

SWOT analysis

AI-generated by our data supplier. Not written or checked by our editors.

AI-generated

Strengths

  • First Financial Bankshares Inc has a strong financial position with a solid balance sheet, enabling them to withstand economic uncertainties and invest in growth opportunities.
  • The company has a well-established brand reputation built over several years, which helps in attracting and retaining customers.
  • A strong and experienced management team drives the company's success, providing strategic guidance and maintaining high operational standards.

Weaknesses

  • First Financial Bankshares Inc faces intense competition from other financial institutions in the market, which puts pressure on their market share and profitability.
  • The company heavily relies on traditional banking services, and the lack of diversification in its product portfolio limits its ability to capture new revenue streams.
  • Limited geographic presence restricts the company's growth potential outside its current market segments.

Opportunities

  • There is a growing demand for digital banking solutions, and First Financial Bankshares Inc can capitalize on this trend by investing in technology and enhancing their online platforms.
  • Expansion into new geographic markets or through acquisitions presents an opportunity for the company to increase its customer base and diversify its revenue streams.
  • Offering specialized banking services tailored to specific customer segments, such as small businesses or high net worth individuals, can unlock new revenue opportunities.

Threats

  • Changes in government regulations and compliance requirements can impose additional costs and operational challenges on First Financial Bankshares Inc.
  • Increased cybersecurity risks pose a threat to the company's reputation and customer trust, highlighting the need for robust security measures.
  • Economic downturns and financial crises can adversely impact the banking industry, leading to reduced loan demand and increased loan defaults.

Sources and methodology

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