What is the 13F Pro Quality Score for FFIN?

13F Pro ranks FIRST FINANCIAL BANKSHARES INC (FFIN) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View FFIN's current score at https://13fpro.ai/company/FFIN (free sign-up required for the full ranking).

Which hedge funds own the most FFIN stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of FFIN include BlackRock,, VANGUARD PORTFOLIO MANAGEMENT, STATE STREET. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/FFIN as soon as new 13F filings post.

Where does 13F Pro source FFIN data?

All FIRST FINANCIAL BANKSHARES INC fundamentals and ownership data come directly from SEC EDGAR. FIRST FINANCIAL BANKSHARES INC files with the SEC under CIK 36029. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is FFIN in?

FIRST FINANCIAL BANKSHARES INC (FFIN) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives FFIN's revenue?

Per FIRST FINANCIAL BANKSHARES INC's latest 10-Q filed with the SEC on 2026-08-04, the biggest revenue drivers are: Net Interest Income (tax-equivalent) ($140.7M, +11.1% YoY); Noninterest Income ($35.8M, +9.1% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/FFIN.

What are FFIN's largest expenses?

FIRST FINANCIAL BANKSHARES INC's latest 10-Q reports these as the largest expense items: Salaries, commissions and employee benefits ($49.7M, +16.6% YoY); Software amortization and expense ($5.1M, +25.7% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is FFIN research updated on 13F Pro?

FFIN's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

FIRST FINANCIAL BANKSHARES INC(FFIN)Stock Analysis

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13F Pro Quality Score

65.7/100

Rank #468 of 2,961 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

69.2/100

Profitability

95.0/100

Balance Sheet

51.4/100

Earnings Quality

55.1/100

Free Cash Flow

94.6/100

Institutional Flow

74.0/100

Revenue Scale

41.8/100

Dilution Risk

54.6/100

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Why FFIN Scores 66/100

exact factor attribution · 2026-09-11

FFIN's composite is driven by profitability and free cash flow, held back by scale. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+9.0 pts

95th pct

Free cash flow

+6.7 pts

95th pct

Revenue growth

+5.1 pts

69th pct

Institutional flow

+1.6 pts

74th pct

Earnings growth

+1.1 pts

67th pct

Earnings quality

+0.5 pts

55th pct

Shareholder dilution

+0.3 pts

55th pct

Capital efficiency

+0.2 pts

51th pct

Scale

-1.6 pts

42th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

FFIN Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for FIRST FINANCIAL BANKSHARES INC (FFIN), a Financials sector company. 13F Pro's AI-powered ranking engine scores FFIN at 65.7/100 on a 32-signal composite quality model, placing it at rank #468 of 2,961 stocks — the top 25% of the AI-ranked universe. FFIN scores in the top quartile across profitability (95.0), free cash flow (94.6). Based on the latest XBRL financial filings (Q2 2026), FIRST FINANCIAL BANKSHARES INC reports quarterly revenue of $172.8M, net income of $71.9M, an operating margin of 50.6%. Top institutional holders of FFIN by reported 13-F value include BlackRock, VANGUARD PORTFOLIO MANAGEMENT, STATE STREET, based on the most recent SEC filings. FFIN trades on the Nasdaq exchange and files with the SEC under CIK 36029. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate FFIN daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for FIRST FINANCIAL BANKSHARES INC directly from SEC EDGAR. FIRST FINANCIAL BANKSHARES INC's 13F Pro composite quality score has ranged between 33 and 66 since 2026, currently 65.7 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.

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Fun facts about FIRST FINANCIAL BANKSHARES INC

Quirks, history, and lore behind FFIN — the kind of stuff that makes a stock memorable.

1
The Basics
A U.S. regional bank holding company · mid-cap · listed on Nasdaq · headquartered in West Texas.
2
The Numbers
Operates well over 75 banking locations across Texas, with total assets in the range of $12–14 billion — big enough to matter, small enough to still feel local.
3
The History
Founded in the late 1800s, it has spent over a century quietly expanding across the Lone Star State through a mix of organic growth and acquisitions.
4
The Secret
It's long been praised for best-in-class return on equity and conservative underwriting — the kind of bank analysts call a compounding machine hiding in plain sight.
5
The Lore
It offers a full suite of trust, wealth management, and mortgage services — a one-stop shop for Texans who'd rather not mess with the big coastal banks.
6
The Giveaway
Its ticker is basically its name in shorthand: a Texas community banking dynasty headquartered in Abilene, with "First," "Financial," and "Bankshares" all in the title.

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What's Driving FFIN's Business? Latest 10-Q Breakdown

AI-extracted from FIRST FINANCIAL BANKSHARES INC's 10-Q filed 2026-08-04 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Q2 2026 net earnings of $71.9M (+7.9% YoY) driven by 10.9% growth in tax-equivalent net interest income and improved net interest margin to 3.90%.

Biggest Revenue Drivers

Net Interest Income (tax-equivalent)$140.7M+11.1% YoY

Increase in average loans and taxable/tax-exempt investment securities, net of increased interest-bearing liability costs.

Noninterest Income$35.8M+9.1% YoY

Wealth management fees up $1.2M, mortgage income up $553K, and other noninterest income up $1.3M from supplemental executive retirement plan fair value gains.

Biggest Revenue Drivers

Total revenue: $172.8M+11.6% YoY

Net Interest Income (tax-equivalent)$140.7M+11.1% YoY

Increase in average loans and taxable/tax-exempt investment securities, net of increased interest-bearing liability costs.

Noninterest Income$35.8M+9.1% YoY

Wealth management fees up $1.2M, mortgage income up $553K, and other noninterest income up $1.3M from supplemental executive retirement plan fair value gains.

Largest Expense Items

Salaries, commissions and employee benefits$49.7M+16.6% YoY

Merit-based and market-driven pay increases effective March 1st, profit sharing and incentive accruals from earnings growth, deferred compensation changes.

Software amortization and expense$5.1M+25.7% YoY

Increased technology investments and software licensing costs.

Margins: Tax-equivalent net interest margin expanded 9 basis points YoY to 3.90%, driven by strong deposit growth enabling deployment into higher-yielding loans and securities, reduced deposit costs, and reinvestment of lower-yielding security cash flows into higher-yielding bonds.

Watch Items from the Filing

Nonaccrual loans and foreclosed assets totaled $67.0M (0.80% of loans and foreclosed assets) at June 30, 2026, up from $56.5M (0.69%) at December 31, 2025, indicating deteriorating credit quality.
Available-for-sale securities portfolio carries $354.4M in unrealized losses before taxes as of June 30, 2026 (up from $342.0M at December 31, 2025), driven by 47 basis point increase in 5-year Treasury rates.
Commercial real estate loans represent 23.7% of total loan portfolio ($1.98B), concentrated in industrial/manufacturing (18.5%) and multi-tenant retail (7.9%), exposed to rate reset risk.
Efficiency ratio increased to 45.94% in Q2 2026 from 44.97% in Q2 2025, indicating rising expense pressures offsetting revenue gains.
Company maintains strong regulatory capital with total capital ratio of 21.62% and Tier 1 leverage ratio of 12.88% as of June 30, 2026, well above Basel III minimums.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$172.8M

Net Income

Q2 2026

$71.9M

Free Cash Flow

Q2 2026

$75.2M

Operating Margin

Q2 2026

50.6%

ROIC

Q2 2026

17.3%

D/E Ratio

Q2 2026

0.01

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+14.7% YoY

$631.6MFY 2025

FY22 $533.1MFY23 $491.8MFY24 $550.7MFY25 $631.6M

Net Income

+13.5% YoY

$253.6MFY 2025

FY22 $234.5MFY23 $199.0MFY24 $223.5MFY25 $253.6M

EPS (Diluted)

+13.5% YoY

$1.77FY 2025

FY22 $1.64FY23 $1.39FY24 $1.56FY25 $1.77

Total Assets

+10.5% YoY

$15.45BFY 2025

FY22 $12.97BFY23 $13.11BFY24 $13.98BFY25 $15.45B

Total Debt

-84.0% YoY

$21.7MFY 2025

FY22 $642.5MFY23 $22.2MFY24 $135.6MFY25 $21.7M

Op. Cash Flow

-3.3% YoY

$299.4MFY 2025

FY22 $324.3MFY23 $284.8MFY24 $309.6MFY25 $299.4M

Free Cash Flow

-2.4% YoY

$286.0MFY 2025

FY22 $308.5MFY23 $267.6MFY24 $292.9MFY25 $286.0M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$631.6M +14.7%	$550.7M +12.0%	$491.8M -7.7%	$533.1M +4.0%	$512.5M +4.6%	$489.8M
Net Income	$253.6M +13.5%	$223.5M +12.3%	$199.0M -15.1%	$234.5M +3.0%	$227.6M +12.6%	$202.0M
EPS (Diluted)	$1.77 +13.5%	$1.56 +12.2%	$1.39 -15.2%	$1.64 +3.1%	$1.59 +12.0%	$1.42
Total Assets	$15.45B +10.5%	$13.98B +6.7%	$13.11B +1.0%	$12.97B -1.0%	$13.10B +20.2%	$10.90B
Total Debt	$21.7M -84.0%	$135.6M +512.1%	$22.2M -96.6%	$642.5M -4.3%	$671.2M +56.0%	$430.1M
Operating Cash Flow	$299.4M -3.3%	$309.6M +8.7%	$284.8M -12.2%	$324.3M -8.7%	$355.2M +68.6%	$210.7M
Free Cash Flow	$286.0M -2.4%	$292.9M +9.5%	$267.6M -13.3%	$308.5M -8.2%	$335.9M +73.0%	$194.2M

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Available Research

13F Pro tracks comprehensive data for FIRST FINANCIAL BANKSHARES INC including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of FFIN

BlackRock, Inc.
$630.9M18,234,375 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$252.7M7,303,995 sh
STATE STREET CORP
$235.2M6,756,261 sh
VANGUARD CAPITAL MANAGEMENT LLC
$193.0M5,577,552 sh
Neuberger Berman Group LLC
$155.2M4,484,205 sh
GEODE CAPITAL MANAGEMENT, LLC
$134.9M3,897,410 sh
AQR CAPITAL MANAGEMENT LLC
$117.3M3,397,018 sh
KAYNE ANDERSON RUDNICK INVESTMENT MANAGEMENT LLC
$104.4M3,016,254 sh
DIMENSIONAL FUND ADVISORS LP
$98.9M2,858,327 sh
FULLER & THALER ASSET MANAGEMENT, INC.
$88.3M2,551,339 sh

Fund	Value	Shares
BlackRock, Inc.	$630.9M	18,234,375
VANGUARD PORTFOLIO MANAGEMENT LLC	$252.7M	7,303,995
STATE STREET CORP	$235.2M	6,756,261
VANGUARD CAPITAL MANAGEMENT LLC	$193.0M	5,577,552
Neuberger Berman Group LLC	$155.2M	4,484,205
GEODE CAPITAL MANAGEMENT, LLC	$134.9M	3,897,410
AQR CAPITAL MANAGEMENT LLC	$117.3M	3,397,018
KAYNE ANDERSON RUDNICK INVESTMENT MANAGEMENT LLC	$104.4M	3,016,254
DIMENSIONAL FUND ADVISORS LP	$98.9M	2,858,327
FULLER & THALER ASSET MANAGEMENT, INC.	$88.3M	2,551,339

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Is FFIN a good stock to buy?

13F Pro's AI-powered analysis of FIRST FINANCIAL BANKSHARES INC (FFIN) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for FFIN are available on the FFIN stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. FFIN is classified as a mid company.

Which hedge funds own FFIN?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling FFIN. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of FIRST FINANCIAL BANKSHARES INC's investment landscape.