FFIN FIRST FINANCIAL BANKSHARES INC
FY2025 10-K
FIRST FINANCIAL BANKSHARES INC (FFIN) filed its fiscal year 2025 10-K annual report with the SEC on Feb 25, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
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
Financial SummaryXBRL
Revenue
$702M
Net Income
$254M
Net Margin
36.1%
ROE
13.2%
Total Assets
$15.4B
EPS (Diluted)
$1.77
Operating Cash Flow
$299M
Source: XBRL data from FIRST FINANCIAL BANKSHARES INC FY2025 10-K filing on SEC EDGAR. All figures in USD.
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