FFIN FIRST FINANCIAL BANKSHARES INC

company

SEC Filings & Insider Trading Activity 2026

Risk Factors

• • Regulatory risk from ASU 2025-08 on Purchased Loans effective 2027, changing accounting for acquired seasoned loans under CECL model
• • Macroeconomic exposure to Federal Reserve interest rate cuts totaling 125 basis points in 2024-2025, affecting loan and deposit yields
• • Operational risk from reliance on municipal and related deposits of $1.52 billion indexed to short-term treasury rates, causing funding cost variability
• • Competitive risk from mortgage origination income increase by 17.95% to $15.55 million due to volume and pricing, pressured by fintech mortgage platforms
• • Financial risk of increasing noninterest expense by 10.69% in 2025, driven by $21.26 million (13.87%) rise in salaries and benefits impacting efficiency ratio at 45.53%

Management Discussion & Analysis

• • Revenue interest income $702.5M in 2025 vs $628.9M in 2024, up $73.6M YoY
• • Net earnings $253.6M in 2025 vs $223.5M in 2024, net margin improved with EPS diluted $1.81 vs $1.56
• • Best segment: net interest income $500.9M in 2025 vs $429.7M in 2024; worst: provision for credit losses $28.6M in 2025 vs $13.8M in 2024
• • Cash and cash equivalents $1.08B in 2025 vs $763.4M in 2024, borrowings decreased from $135.6M to $21.7M, dividends declared per share $0.75 vs $0.72; repurchase agreements approx. $63M
• • Management reports effective internal controls, no material control changes; key risk: judgment in allowance for credit losses; no updated forward guidance disclosed

What are the latest FFIN SEC filings in 2026?

FIRST FINANCIAL BANKSHARES INC (FFIN) has filed a 10-K annual report on February 25, 2026, a 10-Q quarterly report on May 5, 2026, an 8-K current report on July 31, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did FFIN file its most recent 10-K annual report?

FIRST FINANCIAL BANKSHARES INC (FFIN) filed its most recent 10-K annual report on February 25, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view FFIN 10-Q quarterly reports?

FIRST FINANCIAL BANKSHARES INC (FFIN)'s most recent 10-Q quarterly report was filed on May 5, 2026. SignalX displays every FFIN 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has FFIN filed recently?

FIRST FINANCIAL BANKSHARES INC (FFIN)'s most recent 8-K was filed on July 31, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find FFIN insider trading activity (Form 4)?

SignalX aggregates every FFIN Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does FFIN file with the SEC?

FIRST FINANCIAL BANKSHARES INC (FFIN) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new FFIN filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for FIRST FINANCIAL BANKSHARES INC (FFIN).

What is FFIN's SEC CIK number?

FIRST FINANCIAL BANKSHARES INC (FFIN)'s SEC CIK (Central Index Key) number is 36029. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 36029 to look up all FFIN filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find FFIN return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from FIRST FINANCIAL BANKSHARES INC (FFIN) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.