First Financial Bankshares, Inc. (FFIN)

FFIN Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	253.58	223.51	198.98	234.48	227.56
Depreciation & Amortization	13.65	13.43	12.58	12.76	13.06
Provision for Credit Losses	28.61	13.82	10.63	17.43	-1.14
Stock-Based Compensation	6.92	4.93	4.26	3.96	3.25
Net Change in Loans Held-for-Sale	-21.14	5.86	-2.24	25.19	44.1
Other Adjustments	37.96	44.04	57.85	61.31	68.69
Changes in Other Operating Activities	-20.13	4.06	2.77	-30.86	-0.36
Operating Cash Flow	299.45	309.64	284.82	324.27	355.15
Operating Cash Flow Growth	-3.29%	8.71%	-12.16%	-8.70%	68.58%
Net Change in Loans Held-for-Investment	-266.98	-765.7	-708.43	-1,050	-211.79
Net Change in Securities and Investments	-738.88	43.65	849.2	226.52	-2,381
Capital Expenditures	-13.44	-16.72	-17.25	-15.78	-19.21
Sale of Property, Plant & Equipment	3.07	1.9	3.77	1.19	0.82
Investing Cash Flow	-1,016	-736.88	127.29	-838.01	-2,612
Net Change in Deposits	1,246	960.87	132.79	439.02	1,891
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-112.38	-207.06	-238.43	-28.65	241.06
Issuance of Common Stock	3.38	3.16	2.13	6.22	3.99
Repurchase of Common Stock	-	-	-2.74	-9.45	-
Net Common Stock Issued (Repurchased)	3.38	3.16	-0.6	-3.23	3.99
Common Dividends Paid	-106	-102.91	-99.97	-91.32	-79.71
Financing Cash Flow	1,031	654.06	-206.2	315.83	2,056
Net Cash Flow	314.58	226.82	205.91	-197.91	-200.5
Free Cash Flow	286.01	292.92	267.57	308.49	335.95
Free Cash Flow Growth	-2.36%	9.47%	-13.26%	-8.17%	72.97%
FCF Margin	47.43%	54.56%	55.61%	59.82%	65.40%
Free Cash Flow Per Share	1.99	2.05	1.87	2.15	2.35
Levered Free Cash Flow	233.66	224.27	197.07	200.6	221.05
Unlevered Free Cash Flow	-19.92	0.76	-1.91	-33.88	-6.51

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q