FFIN at a glance
FIRST FINANCIAL BANKSHARES INC (FFIN, SEC CIK 36029) filed its latest 10-K annual report on February 25, 2026, a 10-Q quarterly report on August 4, 2026, an 8-K current report on July 31, 2026 and Form 4 insider filings as recently as September 10, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), FIRST FINANCIAL BANKSHARES INC (FFIN) reported revenue of $702.5 million (up 11.7% from FY2024) and net income of $253.6 million. Diluted EPS was $1.77.
- As of June 30, 2026, 31 institutional investment managers tracked by SignalX reported holding FIRST FINANCIAL BANKSHARES INC (FFIN) shares worth $2.0 billion in 13F-HR filings.
- The most recent insider open-market purchase reported on Form 4 was by Denny Michael B. on August 18, 2026 of 3,000 shares at $34.66 per share.
- In the last 90 days, FFIN insiders reported 2 open-market purchases ($128K) and 1 open-market sale ($524K) on Form 4, a net sale of $396K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $702.5M
- +11.7% vs prior year
- Insiders · 90 days
- 2 buys · 1 sell
- Net −$396K
- 13F holders
- 31 funds
- $2.0B · +0 vs prior quarter
- Latest 8-K
- Jul 31, 2026
- Item 8.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
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
AI summary of the FFIN 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Risk Factors
- No risk-factors section provided in submitted text
- No quarter-specific risk additions or changes identifiable
- No regulatory, legal, operational, competitive, market, or financial risks disclosed
AI summary of the FFIN 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 8.01: Other Events
- Repurchase authorization increased to 7.2 million shares from 5.0 million
- Plan expiration extended to July 31, 2027
Item EX-99.1: Item EX-99.1
- Share repurchase authorization increased to 7,200,000 shares, approximately 5% of outstanding shares
- Plan runs through July 31, 2027, extending the prior authorization that expired July 31, 2026
Item 2.02: Results of Operations and Financial Condition
- Earnings release covers the quarter ended June 30, 2026
- Detailed financial results and management commentary appear in the attached earnings-release exhibit
Item EX-99.1: Item EX-99.1
- Q2 2026 net income $71.89M, up from $66.66M year over year; diluted EPS $0.50 versus $0.47
- Net interest margin expanded to 3.90% from 3.81%, supported by lower deposit costs and improved securities yields
Item 7.01: Regulation FD Disclosure
- Annual shareholder meeting held April 28, 2026, in Abilene, Texas
- Executive Chairman F. Scott Dueser and CEO David Bailey presented to shareholders and guests
AI summaries of FFIN 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for FFIN
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- Fund moves. Which tracked funds opened, added or cut FFIN, by share count.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Longhofer T. Luke | G | Sep 9, 2026 | 950 | - |
| Longhofer T. Luke | M | Sep 8, 2026 | 800 | $29.70 |
| Longhofer T. Luke | M | Sep 8, 2026 | 800 | $29.70 |
| Longhofer T. Luke | M | Sep 8, 2026 | 1,500 | $21.18 |
| Longhofer T. Luke | M | Sep 8, 2026 | 1,500 | $21.18 |
| Denny Michael B. | Buy | Aug 18, 2026 | 3,000 | $34.66 |
| Biebighauser Lon A. | G | Aug 17, 2026 | 570 | - |
| Butler Ronald David II | M | Aug 17, 2026 | 5,000 | $21.18 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|
| Profitability | ||||
| Revenue | $528.1M | $628.9M | $702.5M | |
| Net Income | $199.0M | $223.5M | $253.6M | |
| Net Margin | 37.7% | 35.5% | 36.1% | |
| Balance Sheet | ||||
| Total Assets | $13.1B | $14.0B | $15.4B | |
| Equity | $1.5B | $1.6B | $1.9B | |
| ROE | 13.3% | 13.9% | 13.2% | |
| Per Share | ||||
| EPS | $1.39 | $1.56 | $1.77 | |
| Cash Flow | ||||
| Operating CF | $284.8M | $309.6M | $299.4M | |
Source: XBRL data in FIRST FINANCIAL BANKSHARES INC (FFIN)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate FFIN share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 31 | $2.01B |
| Q1 2026 | 31 | $1.59B |
| Q4 2025 | 29 | $1.60B |
| Q3 2025 | 30 | $1.79B |
| Q2 2025 | 29 | $1.90B |
| Q1 2025 | 29 | $1.88B |
| Q4 2024 | 22 | $1.68B |
| Q3 2024 | 19 | $1.22B |
- AQR Capital Management+1.23M (+57%)
- BlackRock+1.13M (+7%)
- Citadel Advisors LLC+650.7K (+294%)
- Goldman Sachs Group+296.4K (+17%)
- Two Sigma Investments+242.9K (+129%)
- Invesco Ltd−298.8K (-23%)
- Bank of America Corp−236.5K (-25%)
- Millennium Management−21.9K (-3%)
- JPMorgan Chase & Co−15.1K (-7%)
- BNY Mellon−5.5K (-0%)
Source: 13F-HR filings on SEC EDGAR (aggregated from 220 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
FFIN filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 10, 2026 | - | - | - |
| 4 | Aug 20, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
| 13F-HR | Aug 11, 2026 | Jun 30, 2026 | - | |
| 10-Q | Aug 4, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jul 31, 2026 | - | Analysis | - |
| 4 | Jul 27, 2026 | - | - | - |
| 8-K | Jul 17, 2026 | - | Analysis | - |
| 4 | Jun 15, 2026 | - | - | - |
| 13F-HR | May 11, 2026 | Mar 31, 2026 | - | |
| 4 | May 7, 2026 | - | - | |
| 4 | May 7, 2026 | - | - | |
| 4 | May 6, 2026 | - | - | |
| 10-Q | May 5, 2026 | Mar 31, 2026 | Analysis | |
| 4 | May 5, 2026 | - | - | - |
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FFIN SEC filings: frequently asked questions
Are FFIN insiders buying or selling?
In the last 90 days, FIRST FINANCIAL BANKSHARES INC (FFIN) officers, directors and 10% owners reported 2 open-market purchases worth $128,403 by 2 insiders and 1 open-market sale worth $524,250 by 1 insider on Form 4, a net sale of $395,847. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold FFIN stock?
As of June 30, 2026, the largest FIRST FINANCIAL BANKSHARES INC (FFIN) holders among the 13F filers tracked by SignalX were BlackRock ($630.9 million), Vanguard Portfolio Management LLC ($252.7 million), State Street Corp ($235.2 million), Vanguard Capital Management LLC ($193.0 million), AQR Capital Management ($117.3 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was FFIN's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), FIRST FINANCIAL BANKSHARES INC (FFIN) reported revenue of $702.5 million (up 11.7% from FY2024) and net income of $253.6 million. Diluted EPS was $1.77. The figures come from the XBRL data in the 10-K.
What are the main risks in FFIN's latest 10-K?
In the 10-K filed February 25, 2026, FIRST FINANCIAL BANKSHARES INC (FFIN) flagged: 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. (AI summary of the Risk Factors section.)
What did FFIN report in its latest 8-K?
FIRST FINANCIAL BANKSHARES INC (FFIN) filed an 8-K on July 31, 2026 reporting Item 8.01 (Other Events). Repurchase authorization increased to 7.2 million shares from 5.0 million.
What are the latest FFIN SEC filings?
FIRST FINANCIAL BANKSHARES INC (FFIN) filed its latest 10-K annual report on February 25, 2026, a 10-Q quarterly report on August 4, 2026, an 8-K current report on July 31, 2026 and a Form 4 insider filing on September 10, 2026.
What is FFIN's SEC CIK number?
FIRST FINANCIAL BANKSHARES INC (FFIN)'s SEC Central Index Key (CIK) is 36029. EDGAR lists every FFIN filing under that number.
Ask anything about FFIN
The research agent reads FFIN's filings, financials, insider trades and 13F holders, then answers with sources.