First Financial Bankshares, Inc. (FFIN)

FFIN Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	538.65	502.95	405.94	296.11	271.64	263.32
Interest Income on Investments	146.75	125.97	122.13	136.74	104.77	100.81
Total Interest Income	685.4	628.92	528.07	432.85	376.41	364.13
Interest Paid on Deposits	197.43	194.8	124.83	26.25	5.71	13.12
Interest Paid on Borrowings	2.34	7.38	19.43	5.19	0.34	1.13
Total Interest Expense	199.77	202.18	144.26	31.44	6.04	14.24
Net Interest Income	485.64	426.74	383.81	401.41	370.36	349.89
Net Interest Income Growth (YoY)	18.99%	11.19%	-4.39%	8.38%	5.85%	21.03%
Trust Income	51.01	47.45	40.46	40	36.15	29.53
Gain (Loss) on Sale of Assets	0.22	0.48	1.53	0.52	0.21	0.11
Gain (Loss) on Sale of Investments	-	-	-7.12	2.14	0.82	3.63
Other Non-Interest Income	37.64	37.94	35.83	43.98	50.42	42.06
Total Non-Interest Income	128.34	123.99	108	131.67	142.18	139.94
Non-Interest Income Growth (YoY)	11.61%	14.80%	-17.97%	-7.39%	1.60%	29.06%
Revenues Before Loan Losses	613.98	550.73	491.81	533.08	512.54	489.82
Provision for Loan Losses	32.1	13.82	10.63	17.43	-1.14	19.52
Revenue	581.88	536.91	481.18	515.65	513.68	470.3
Revenue Growth (YoY)	14.03%	11.58%	-6.69%	0.38%	9.22%	19.20%
Salaries and Employee Benefits	153.88	140.63	120.38	123.04	131.82	125.25
Occupancy Expenses	14.62	14.58	13.77	13.31	13.01	12.39
Federal Deposit Insurance	6.31	6.5	7.75	3.71	3.13	1.76
Amortization of Goodwill & Intangibles	16.09	14.14	11.2	11.21	12.73	10.85
Selling, General & Administrative	35.5	32.08	31.1	30.28	30.03	27.82
Other Non-Interest Expense	59.44	57.13	53.69	53.23	50.98	49.88
Total Non-Interest Expense	285.83	265.06	237.88	234.78	241.71	227.94
EBT Excluding Unusual Items	296.05	271.85	243.3	280.87	271.97	242.37
Pretax Income	296.05	271.85	243.3	280.87	271.97	242.37
Income Tax Expense	53.46	48.34	44.32	46.4	44.41	40.33
Net Income	242.59	223.51	198.98	234.48	227.56	202.03
Net Income to Common	242.59	223.51	198.98	234.48	227.56	202.03
Net Income Growth	17.10%	12.33%	-15.14%	3.04%	12.63%	22.59%
Basic Shares Outstanding	143	143	143	143	142	142
Diluted Shares Outstanding	143	143	143	143	143	143
Shares Change (YoY)	0.28%	0.21%	-0.19%	0.05%	0.41%	4.55%
EPS (Basic)	1.70	1.56	1.39	1.64	1.60	1.42
EPS (Diluted)	1.69	1.56	1.39	1.64	1.59	1.42
EPS Growth	16.54%	12.23%	-15.24%	3.15%	11.97%	17.36%
Dividend Per Share	0.740	0.720	0.710	0.660	0.580	0.510
Dividend Growth	2.78%	1.41%	7.58%	13.79%	13.73%	8.51%
Effective Tax Rate	18.06%	17.78%	18.22%	16.52%	16.33%	16.64%

Updated Oct 23, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q