Pulling SEC filings + quote and writing the call…
Pulling SEC filings + quote and writing the call…

FIRST FINANCIAL BANKSHARES INC
Next earnings Jul 16, 2026 · consensus $0.51 EPS, $178M rev
Last earnings -2.8% on 2026-01-23
Best-in-class Texas community bank compounding EPS ~14% with 13% ROE — high quality, but already priced at a premium 18.5x.
Sources: SEC EDGAR (CIK 0000036029, latest 10-Q filed 2026-05-05) · EODHD · analysis by claude-code · as of 6/21/2026, 9:00:01 PM.
Research and education only — not financial advice. Calls are generated from SEC filings and a delayed/third-party price feed, may be wrong or out of date, and are not a recommendation to buy or sell any security. Do your own research.
Middling fundamentals offset by an attractive price (~39% below fair value) — worth a look on the value angle.
First Financial Bankshares is a high-quality Texas community bank with a long record of consistent, profitable growth. FY2025 net income rose 13.5% to $254M and diluted EPS rose 13.5% to $1.77, with a 13.2% return on equity. The balance sheet grew impressively for a bank — total assets up 10.5% to $15.4B — while equity grew even faster (+19.3% to $1.92B), and cash rose 41.2% to $1.08B, reflecting both strong internal capital generation and a conservative, liquid posture. The bank operates in fast-growing Texas markets, which underpins its above-average deposit and loan growth.
The risks, catalysts, 12-month price target and the cited SEC figures behind this rating — with Pro.
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| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $228M | $234M | $199M | $224M | $254M |
| Diluted EPS | $1.59 | $1.64 | $1.39 | $1.56 | $1.77 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
1482 tracked peers · median
Disclosed under the STOCK Act
Self-reported periodic transaction reports (STOCK Act). Amounts are disclosed ranges; a trade may be a spouse's. Disclosures lag the trade by up to ~45 days. Source: House Clerk + Senate eFD.
Source: EODHD. Yield = trailing-12-month dividends ÷ price.
Dates from 8-K (Item 2.02); beat/miss = reported EPS vs consensus (Finnhub, recent quarters); move = prior close → close on/after.
Recent news tone vs the market's typical (which skews positive). A soft signal, not a recommendation.
Last 90 days: 2 open-market buys · 0 sales
| 2026-06-11 | Edwards Murray Hamilton Director | Buy | 1.00K @ $33.18 | $33.2K |
| 2026-05-06 | Biebighauser Lon A. Trust Company President | Exercise | 490.00 @ $21.18 | $10.4K |
| 2026-05-06 | Bailey David William President and CEO | Exercise | 2.50K @ $21.18 | $53.0K |
| 2026-05-05 | Nickles Robert Clark Jr Director | Buy | 664.00 @ $31.96 | $21.2K |
| 2026-04-28 | Zoth Lota S. Director | Award | 2.14K | |
| 2026-04-28 | Poutra Blake Matthew Director | Award | 2.14K | |
| 2026-04-28 | Nickles Robert Clark Jr Director | Award | 2.14K | |
| 2026-04-28 | MATTHEWS KADE Director | Award | 2.14K |