First Financial Bankshares Inc (FFIN)

In the past six months, First Financial Bankshares' stock experienced a new 52-week low in October 2025 due to a disappointing earnings announcement, with EPS at $0.36, missing estimates due to a $21.55 million credit loss. Revenue was up 15.6% compared to the same quarter last year. Hovde Group increased its target price in July 2025 and upgraded the stock to "outperform" in October 2025. The stock has declined 7.6% over the past six months. First Financial Bankshares announced the renewal of its stock repurchase plan in July 2024.

The banking industry, including First Financial Bankshares, Inc., experiences seasonal trends in new loan volume, with lows in late January and February. A surge in loans begins in March, peaking in early June, and remains relatively flat through the summer. From early October through early January, the sector sees a steady increase in business. The spring season leads to increased home mortgage applications, and changes in interest rates also drive loan demand.

First Financial Bankshares, Inc. is a financial holding company based in Abilene, Texas, operating in the Financial Services sector and Regional Banks industry. It conducts commercial banking through First Financial Bank, N.A., offering checking, savings, time deposits, and various loan types. FFIN also provides wealth management, trust services, and investment advisory through First Financial Trust & Asset Management Company, N.A., along with additional services like ATMs, remote deposit capture, internet and mobile banking, and treasury management.

First Financial Bankshares, Inc. primarily operates in Texas, with 79 locations across 57 cities and towns. The company also has a market presence through community-oriented banks in Oklahoma and Kansas.

First Financial Bankshares has maintained a strong brand reputation, being recognized as one of the nation's most financially secure banking institutions. S&P Global named First Financial the seventh best bank in the country in 2023 and 2024. In April 2025, First Financial Bank was recognized as the number three bank in Forbes' America's Best Banks 2025 listing. Newsweek also recognized First Financial as the #1 Bank in Texas in 2021. The recent $21.55 million credit loss could potentially impact the company's reputation.

Institutional investors and hedge funds hold a significant portion of First Financial Bankshares' stock, ranging from approximately 60% to nearly 70%. Major institutional owners include Geode Capital Management LLC, Champlain Investment Partners LLC, and Kayne Anderson Rudnick Investment Management LLC. Individuals own approximately 3.57% of the stock.