FFIN FINANCIAL STATEMENTS

First Financial Bankshares Inc — balance sheet, income statement and cash flow trends

FFINFirst Financial Bankshares Inc

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue847.2 M $+11.9%

Gross Profit615.9 M $+14.2%

Operating Income322.3 M $+14.3%

EBITDA332.7 M $+12.5%

Net Income263.8 M $+14.0%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
FFIN	—	—	—	31.1%
BEN	—	—	—	—
NDA-SE	—	—	—	20.9%
HALKB	—	—	—	16.6%
VAKBN	—	—	—	21.4%
YKBNK	—	—	—	23.3%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity1.9 B $13%
Current Liabilities13.3 B $87%
Long-term Liabilities102.1 M $1%

Key Figures

YoY change

Total Assets15.4 B $+7.5%

Total Liabilities13.4 B $+6.4%

Total Equity1.9 B $+15.7%

Cash & ST Investments920.9 M $-72.9%

Total Debt90.3 M $+8.0%

Net Debt-632.8 M $—

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
FFIN	0.07	4.6%	-2.50	12.6%
BEN	0.03	142.6%	—	6.6%
NDA-SE	0.16	704.0%	25.50	4.4%
HALKB	—	0.0%	-33.00	5.1%
VAKBN	—	0.0%	-8.98	6.0%
YKBNK	—	0.0%	-9.43	8.0%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
FFIN	0.07	4.6%	-2.50	12.6%
EBC	0.03	16.1%	0.60	14.0%
TFSL	0.05	266.7%	35.83	11.0%
ASB	15.52	88.2%	-2.19	11.0%
SFBS	0.13	82.7%	-1.25	10.5%
IBOC	1.09	22.0%	0.25	19.5%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow321.2 M $+3.3%

Capital Expenditures15.5 M $+3.6%

Free Cash Flow305.7 M $+3.3%

Dividends Paid-107.5 M $-204.4%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
FFIN	37.9%	36.1%	1.8%	121.8%
BEN	—	—	—	—
NDA-SE	-33.4%	-35.4%	2.0%	-159.7%
HALKB	16.6%	38.5%	21.9%	100.0%
VAKBN	21.4%	20.2%	1.1%	100.0%
YKBNK	23.3%	24.9%	1.6%	100.0%
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
FFIN	37.9%	36.1%	1.8%	121.8%
EBC	26.8%	25.3%	1.5%	101.2%
TFSL	11.3%	10.1%	1.2%	98.9%
ASB	26.4%	24.9%	1.5%	132.6%
SFBS	37.0%	36.4%	1.2%	127.3%
IBOC	44.4%	42.9%	1.5%	112.9%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 7, 26. This content is for informational purposes only and is not investment advice.

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
FFIN	—	—	—	31.1%
EBC	—	—	—	26.5%
TFSL	—	—	—	11.4%
ASB	—	—	—	19.9%
SFBS	—	—	—	29.0%
IBOC	—	—	—	39.3%
Industry median	—	67.2%	20.4%	20.6%