First Financial Bankshares (FFIN)
Runs a Texas community bank with regional lending, deposits, and wealth-management services.
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Runs a Texas community-banking franchise that takes deposits and provides commercial, real estate, mortgage, agricultural, and consumer loans, alongside trust and wealth-management services. A single bank operates through eight regional organizations with local advisory boards and shared technology, concentrating the business in small and midsize Texas markets.
Operates a full-service commercial bank across eight regional organizations in Texas, accepting deposits and providing commercial, real estate, mortgage, agricultural, and consumer lending alongside payments and digital banking. Regional advisory boards support local management while technology and other corporate functions are shared across the network.
Adds investment management, retirement planning, trust and estate administration, mineral management, real-property management, and fiduciary services through First Financial Wealth Management, the renamed trust subsidiary. Growth combines existing-market expansion, new branches, and selective bank acquisitions. The franchise is concentrated in small and midsize Texas markets and remains subject to Federal Reserve, Texas banking, FDIC, and other banking oversight.
Company facts
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Sep 11, 2026 | Hovde Group | Initiate | Rating: —Target: $39 | Target: $36 |
| Aug 27, 2026 | Piper Sandler | Initiate | Rating: —Target: — | Target: $35 |
| Jul 15, 2026 | Cantor Fitzgerald | Reiterate | Rating: —Target: $39 | Target: $35 |
| Jun 24, 2026 | Benchmark | Initiate | Rating: — | |
| Oct 27, 2025 | Hovde Group | Target | Target: — | Target: $39 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $284.8M · Total debt $75.5M · Total assets $15.31B · Shareholders' equity $2.00B
- Revenue
- $221.8M
- Operating income
- $87.5M
- Net income
- $71.9M
HistoryDividendAnnual yield
| Institutions | 66.80% | 95.75M shares | |
|---|---|---|---|
| 358 holders · as of Jun 30, 2026 | |||
| Insiders | 2.11% | 3.03M shares | |
| 25 holders · as of Sep 10, 2026 | |||
| Other | 31.09% | 44.55M shares | |
| remainder | |||
143.33M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 12.72% | 18.23M | as of Jun 30, 2026 |
Vanguard Portfolio Management LLCInstitution | 5.10% | 7.30M | as of Jun 30, 2026 |
State Street CorpInstitution | 4.71% | 6.76M | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 3.89% | 5.58M | as of Jun 30, 2026 |
Neuberger Berman Group LLCInstitution | 3.13% | 4.48M | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 18, 2026 | Michael B. Denny | director | +3,000 | $34.66 |
| Aug 17, 2026 | Ronald David II Butler | officer: EVP/CAO | −15,000 | $34.95 |
| Jul 24, 2026 | Robert Clark Jr Nickles | director | +700 | $34.89 |
| Jun 11, 2026 | Murray Hamilton Edwards | director | +1,000 | $33.18 |
| May 5, 2026 | Robert Clark Jr Nickles | director | +664 | $31.96 |
- Cullen/Frost Bankers
Texas-only bank with deep trust and deposit overlap across shared markets.
- Prosperity Bancshares
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- Southside Bancshares
Texas community bank anchored in East/Southeast Texas with trust services.
- South Plains Financial
Lubbock-based West Texas community bank with agricultural and commercial focus.
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| First Financial Bankshares | $32.71 | −0.11% | $4.69B | 17.5 | 15.5 | 5.4 | +10.3% |
| Cullen/Frost Bankers | $156.83 | −1.20% | $9.87B | 15.0 | 13.8 | 3.7 | +9.4% |
| Prosperity Bancshares | $69.35 | −0.80% | $8.40B | 12.1 | 10.3 | 4.7 | +25.9% |
| Texas Capital | $95.16 | +0.17% | $4.13B | 12.5 | 12.4 | 2.1 | +9.1% |
| International Bancshares | $70.06 | −0.14% | $4.36B | 10.6 | 10.8 | 4.1 | +1.0% |
| Southside Bancshares | $31.41 | −0.35% | $937.8M | 12.4 | 10.0 | 2.0 | +10.2% |
| South Plains Financial | $44.20 | +0.27% | $843.9M | 12.0 | 11.1 | 2.8 | +18.0% |
| Median | 12.3 | 11.0 | 3.3 | +9.8% |