First Financial Bankshares

Financial Services auto loans banks finance provider financial management holding company mortgages

First Financial Bankshares is a multi-bank holding company. The Bank accepts deposits, originates loans, transmits funds, and performs other banking services.

Revenue(FY, 2016)

$317.4 M

Market capitalization(2018-04-20)

$3.3 B

Total Loans(Q2, 2017)

$3.4 B

Type

Public

Abilene, US

Founded

1890

Size (employees)

1,300 (est)

Website

ffin.com

First Financial Bankshares was founded in 1890 and is headquartered in Abilene, US

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First Financial Bankshares Office Locations

First Financial Bankshares has offices in San Angelo, Cleburne and Abilene

Abilene, US (HQ)

400 Pine St

Abilene, US

3300 S 14th St

Cleburne, US

200 N Ridgeway Dr

San Angelo, US

222 S Koenigheim St

San Angelo, US

200 3471 Knickerbocker Rd

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First Financial Bankshares Financials and Metrics

First Financial Bankshares Financials

First Financial Bankshares's revenue was reported to be $317.42 m in FY, 2016 which is a 7.6% increase from the previous period.

Summary

USD
Revenue (Q1, 2017)	80.1 m
Gross profit (Q1, 2017)	78.3 m
Gross profit margin (Q1, 2017), %	97.8%
Net income (Q1, 2017)	26.6 m
EBIT (Q1, 2017)	55.1 m
Market capitalization (20-Apr-2018)	3.3 b
Cash (31-Mar-2017)	222.7 m

First Financial Bankshares's current market capitalization is $3.3 b.

Source: SEC Filings

Income Statement

Annual

USD	FY, 2013	FY, 2014	FY, 2015	FY, 2016
Revenue	238.4 m	265.2 m	295.1 m	317.4 m
Revenue growth, %		11%	11%	8%
Cost of goods sold	4.1 m	4.2 m	4.1 m	5.5 m
Gross profit	234.3 m	261 m	291 m	312 m

Quarterly

USD	Q2, 2014	Q3, 2014	Q1, 2015	Q2, 2015	Q3, 2015	Q1, 2016	Q2, 2016	Q3, 2016	Q1, 2017
Revenue	65.1 m	67.3 m	68 m	71.2 m	77.6 m	78.2 m	79.3 m	80.2 m	80.1 m
Cost of goods sold	1 m	1.1 m	970 k	1 m	1.1 m	1.3 m	1.3 m	1.4 m	1.8 m
Gross profit	64.1 m	66.2 m	67 m	70.1 m	76.5 m	76.8 m	78 m	78.9 m	78.3 m
Gross profit Margin, %	98%	98%	99%	99%	99%	98%	98%	98%	98%

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Source: SEC Filings

Balance Sheet

Annual

USD	FY, 2013	FY, 2014	FY, 2015	FY, 2016
Cash	212 m	253.5 m	272.9 m	256.5 m
Total Assets	5.2 b	5.8 b	6.7 b	6.8 b

Quarterly

USD	Q2, 2014	Q3, 2014	Q1, 2015	Q2, 2015	Q3, 2015	Q1, 2016	Q2, 2016	Q3, 2016	Q1, 2017
Cash	237.7 m	238.7 m	166 m	173.4 m	140.4 m	165.6 m	205.8 m	287.7 m	222.7 m
Total Assets	5.4 b	5.6 b	6 b	6.1 b	6.5 b	6.5 b	6.6 b	6.7 b	6.9 b
Accounts Payable	4.3 b	4.5 b	4.8 b	4.7 b	5.1 b	5.1 b	5.1 b	5.2 b	5.7 b
Dividends Payable	9 m	9 m	9 m	10.3 m	10.6 m	10.6 m	11.9 m	11.9 m	11.9 m

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Cash Flow

Annual

USD	FY, 2013	FY, 2014	FY, 2015	FY, 2016
Net Income	78.9 m	89.6 m	100.4 m	104.8 m
Depreciation and Amortization	197 k	275 k	561 k	11.6 m

Quarterly

USD	Q2, 2014	Q3, 2014	Q1, 2015	Q2, 2015	Q3, 2015	Q1, 2016	Q2, 2016	Q3, 2016	Q1, 2017
Net Income	43.5 m	67 m	24 m	49.3 m	75.2 m	25.7 m	52.5 m	78.1 m	26.6 m
Depreciation and Amortization	4.6 m	6.2 m	2.5 m	5.1 m	8.1 m	2.8 m	5.7 m	8.6 m	2.9 m
Cash From Operating Activities	60.4 m	99.6 m	40.4 m	45.5 m	93.9 m	72 m	91 m	127.8 m	67 m
Cash From Investing Activities	(173.1 m)	(255.6 m)	(241.2 m)	(339.8 m)	(304.2 m)	47.2 m	54.7 m	(24.4 m)	(187.4 m)

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Ratios

USD	Y, 2017
Financial Leverage	8.1 x

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First Financial Bankshares Operating Metrics

First Financial Bankshares's Total Loans was reported to be $3.4b in Q2, 2017.

	FY, 2014	Q1, 2015	Q2, 2015	Q3, 2015	FY, 2015	Q1, 2016	Q2, 2016	Q3, 2016	FY, 2016	Q1, 2017	Q2, 2017
Bank Branches	62				70				69
Non-accrual Loans	$20.19 m	$18.94 m	$16.85 m	$21.79 m	$28.60 m	$27.18 m	$38.90 m	$33.71 m	$27.37 m	$28.08 m	$21.49 m
Non-performing Loans	$20.68 m	$19.30 m	$18.14 m	$22.74 m	$29.14 m	$28.21 m	$40.39 m	$34.94 m	$28.36 m	$28.97 m	$22.48 m
Total Loans	$2.93 b	$2.93 b	$2.94 b	$3.27 b	$3.32 b	$3.28 b	$3.28 b	$3.34 b	$3.36 b	$3.37 b	$3.44 b