First Financial Bankshares Inc (FFIN)

Over the past six months, First Financial Bankshares' stock price has declined by 13.03%. Key events include the Q3 2025 earnings announcement with a decrease in earnings, a significant credit loss in Q3 2025 due to fraudulent activity, the Q2 2025 earnings announcement, the renewal of the equity buyback plan, the Q4 2024 earnings announcement, and the stock price reaching a 52-week low of $29.44 on January 2, 2026.

The banking industry experiences seasonal trends driven by changes in loan and investment service demand. Loan demand is highest in the spring and summer, decreasing to lows in December. Investment services demand increases in December and early January. Tax planning contributes to a seasonal rise in banking activity in March.

First Financial Bankshares, Inc. is a financial holding company based in Abilene, Texas, operating in the banking industry. It operates through First Financial Bank and other entities, offering financial products and services to individuals, small businesses, and corporations. These services include commercial and retail banking, lending solutions, wealth management and trust services, and treasury and cash management services.

First Financial Bankshares has a market presence through community-oriented banks in Texas, Oklahoma, and Kansas. It operates eight banking regions with 79 locations across Texas and has a Trust Company with nine locations.

First Financial Bankshares has a strong brand reputation, recognized for its performance and customer service. Bank Director Magazine has named it a top-performing bank for 14 consecutive years. Newsweek recognized it as the #1 Bank in Texas in 2021, and S&P Global ranked it as the seventh-best bank in the country in both 2023 and 2024. In April 2025, Forbes recognized First Financial Bank as the number three bank in Forbes' America's Best Banks 2025 listing. However, the $21.55 million credit loss in Q3 2025 due to fraudulent activity could affect the company's reputation.

First Financial Bankshares, Inc. has 680 institutional owners and shareholders holding a total of 109,813,991 shares. Major institutional owners include BlackRock, Inc., Vanguard Group Inc, and State Street Corp, among others.