First Financial

First Financial

Regional Texas bank providing trusted service

Overview

First Financial Bankshares operates a network of regional banks in Texas and a Trust Company, delivering traditional banking and trust services to individuals, professionals, and business owners. Its products include checking and savings accounts, loans, digital banking, and trust management. The banks emphasize local decision-making within 79 Texas locations, while benefiting from the scale and efficiency of a larger institution. The company distinguishes itself through a 133-year history, strong capitalization, consistent earnings, a firm commitment to customer service, and a strategy of growth via acquisitions, new branches, and expanded services. Its goal is to remain financially secure while expanding services and locations to serve Texas customers.

Significant Headcount Growth

About First Financial

Simplify's Rating
Why First Financial is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Data & Analytics

Enterprise Software

Fintech

AI & Machine Learning

Financial Services

Company Size

1,001-5,000

Company Stage

IPO

Headquarters

Abilene, Texas

Founded

1890

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Simplify's Take

What believers are saying

  • Q2 2026 earnings hit $71.89 million on July 16, while assets reached $15.31 billion.
  • On July 30, 2026, the board expanded repurchases to 7.2 million shares through July 2027.
  • The June 2026 lessor platform and Franklin expansion add fee income and lending growth.

What critics are saying

  • Unrealized securities losses reached $279.67 million on June 30, 2026, pressuring capital.
  • Greater Houston construction lending expands exposure if Texas commercial real estate weakens in 2027.
  • A regional deposit runoff or credit shock would crush this concentrated Texas franchise.

What makes First Financial unique

  • First Financial Bankshares has operated in Texas since 1889, building dense local relationships.
  • David Bailey became CEO on January 27, 2026, preserving founder-like continuity.
  • Its 20.23% CET1 ratio and First Financial Wealth Management reinforce conservative, relationship-driven banking.

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Benefits

Flexible Work Hours

Stock Price

Growth & Insights and Company News

Headcount

6 month growth

โ†‘ 7%

1 year growth

โ†‘ 7%

2 year growth

โ†‘ 7%
The Monitor Daily Inc.
Jun 8th, 2026
First Financial Bank launches dedicated independent lessor solution.

First Financial Bank launches dedicated independent lessor solution. The new offering was built to deliver flexible capital solutions including lessor financing, debt discounting and paying agent services designed to support independent lessors and their commercial borrowers. Reading Time: 2 mins read First Financial Bank launched a dedicated solution, to be supported by First Financial Equipment Finance, designed to deliver specialized financing solutions for the middle market independent lessor market. The solution will provide flexible capital solutions tailored to the needs of independent leasing companies and their borrowers. The launch follows the previously announced acquisition of BankFinancial and represents a strategic expansion of equipment finance capabilities within First Financial Bank. Integration of the BankFinancial Systems is expected to be completed on June 6. First Financial Equipment Finance will focus specifically on supporting independent leasing companies with tailored financing solutions that enable them to grow their portfolios and better serve their customers. Core offerings include: debt discounting, offering efficient, scalable access to institutional capital; paying agent services to streamline payments and reporting; bridge loans, warehouse lines and working capital facilities; funding for commercial transactions; flexible capital solutions for public and private businesses; and financing for essential-use collateral, including hard assets and associated soft costs. "Independent lessors play a critical role in providing equipment financing solutions to businesses across a wide range of industries," Carl Zwilling, president of First Financial Equipment Finance, said. "With the launch of our Lessor Solutions offering, we aim to create a true one-stop-shop for independent lessors, offering the resources, expertise and support they need to thrive. After more than 25 years at an independent lessor myself, I recognize the diverse and evolving challenges these firms face. Our product is designed to fill those gaps, delivering flexible, bank-backed capital solutions and a partnership mentality that empowers independent lessors to grow, compete and achieve long-term success." The leadership team supporting the solution brings decades of experience in the independent lessor space, including professionals joining from the acquired BankFinancial Lessor Solutions business. The team possesses deep expertise in working with independent leasing companies and developing specialized financing programs designed to meet their unique needs.

Intelligence360 News
May 29th, 2026
First Financial Bank plans a new $2,800,000.00 expansion project in Franklin, Texas.

First Financial Bank plans a new $2,800,000.00 expansion project in Franklin, Texas. Franklin, Texas - According to state and local development sources, First Financial Bank plans to invest $2,800,000.00 to build out 3,500 square feet of new space in Franklin. The company plans to occupy the new space at 106 W Hwy 79 in Franklin, on or about July 1, 2027. According to the company website First Financial Bankshares, Inc. is recognized as one of the nations most financially secure banking institutions, with assets of $12.10 billion, multiple regional banks with 78 convenient banking locations, plus a Trust Company with nine locations, all to serve customers in Texas markets stretching from Hereford in the Panhandle to Orange in southeast Texas. 130-year history of serving the financial needs of generations of families, professionals and business owners. Intelligence360 has stood tall during difficult economic times, including the Great Depression of the 1930s, the collapse of the Texas economy in the 1980s and more recent economic difficulties. Company Contact: First Financial Bank 400 Pine Street Abilene, TX 79601 Phone: 325-627-7155 LinkedIn: https://www.linkedin.com/company/first-financial-bankshares-inc-/

Yahoo Finance
Apr 29th, 2026
First Financial Bankshares reports record $253.6M earnings, lifts dividend to $0.22

First Financial Bankshares reported record 2025 net income of $253.6 million, driven by higher net interest income, whilst total assets rose to $15.45 billion and deposits increased 11.2% to $13.4 billion. The board approved a dividend increase to $0.22 per quarter, payable 1 July 2026. At the company's 2026 annual meeting, shareholders approved all proposals with overwhelming support. Director elections received over 94% of votes, whilst the ratification of Ernst & Young as auditor garnered over 98%. The say-on-pay proposal passed with more than 92% approval. The trust business has rebranded as First Financial Wealth Management, reporting assets under management of $11.94 billion. Executive Chairman F. Scott Dueser confirmed he will remain in his role for two more years.

Yahoo Finance
Apr 26th, 2026
First Financial Bankshares reports Q1 2026 net interest income of $134.79M and EPS of $0.50

First Financial Bankshares reported first-quarter 2026 results with net interest income of $134.79 million and net income of $71.54 million. Basic and diluted earnings per share from continuing operations rose to $0.50, whilst net charge-offs increased modestly to $356,000 compared with the previous year. The results reinforce the bank's investment narrative of consistent earnings and dependable dividends under new CEO leadership. However, credit quality remains under scrutiny as the bank balances loan growth with discipline. Despite the positive operational performance, shares may be trading 35% above fair value according to some analysts. One Simply Wall St community member estimates fair value at $33.75, highlighting divergent views on valuation as investors assess earnings growth against credit and leadership transition risks. The bank's annual shareholders' meeting is scheduled for 28 April 2026.

PR Newswire
Apr 20th, 2026
First Financial Bank announces senior leadership changes in Greater Houston region

First Financial Bank has announced senior leadership appointments for its Greater Houston Region. Rodney Nabors has been elected Regional CEO, Bart Griffith promoted to Conroe Market President, and Brian Bonner promoted to Executive Vice President, Senior Lender for Construction and Development. Nabors brings over 37 years of commercial banking experience, most recently serving as President of Houston-based Agility Bank. Griffith, who joined First Bank of Conroe in 2012, has over 35 years of banking experience and will oversee the Montgomery and Walker County markets. Bonner, with more than 20 years in real estate lending, will support the region's construction and development lending. First Financial Bank, a subsidiary of First Financial Bankshares, operates 79 locations across Texas.

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