FIRST FINANCIAL BANKSHARES INC (FFIN) FY2025 10-K Annual Report
FIRST FINANCIAL BANKSHARES INC (FFIN) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 25, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
FIRST FINANCIAL BANKSHARES INC FY2025 10-K Analysis
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
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
FIRST FINANCIAL BANKSHARES INC FY2025 Key Financial MetricsXBRL
Revenue
$702M
▲ +11.7% YoY
Net Income
$254M
▲ +13.5% YoY
Net Margin
36.1%
▲ +56bp YoY
ROE
13.2%
▼ -69bp YoY
Total Assets
$15.4B
▲ +10.5% YoY
EPS (Diluted)
$1.77
▲ +13.5% YoY
Operating Cash Flow
$299M
▼ -3.3% YoY
Source: XBRL data from FIRST FINANCIAL BANKSHARES INC FY2025 10-K filing on SEC EDGAR. All figures in USD.
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