First Financial Bankshares Inc (FFIN) — Cash Flow-to-Debt Ratio
First Financial Bankshares Inc (FFIN) has a Cash Flow-to-Debt Ratio of 0.01x as of June 2026, meaning its operating cash flow of $83.73 Million could theoretically repay 0% of its total liabilities ($13.31 Billion) in one year. See First Financial Bankshares Inc financial flexibility index to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
First Financial Bankshares Inc Cash Flow-to-Debt Ratio (1993–2025)
Historical debt coverage capacity for First Financial Bankshares Inc across 33 annual periods. For the full cash flow conversion analysis, see First Financial Bankshares Inc (FFIN) cash flow conversion.
Annual Cash Flow-to-Debt Ratio for First Financial Bankshares Inc (1993–2025)
Year-by-year debt coverage analysis for First Financial Bankshares Inc. Check how high is First Financial Bankshares Inc's earnings quality to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.02x | $320.58 Million | $13.53 Billion | ▼ -5.3% |
| 2024 | 0.03x | $309.64 Million | $12.37 Billion | ▲ +2.0% |
| 2023 | 0.02x | $284.82 Million | $11.61 Billion | ▼ -11.3% |
| 2022 | 0.03x | $323.94 Million | $11.71 Billion | ▼ -11.2% |
| 2021 | 0.03x | $353.23 Million | $11.34 Billion | ▲ +36.4% |
| 2020 | 0.02x | $210.67 Million | $9.23 Billion | ▼ -21.3% |
| 2019 | 0.03x | $204.12 Million | $7.04 Billion | ▲ +4.0% |
| 2018 | 0.03x | $186.35 Million | $6.68 Billion | ▼ -7.1% |
| 2017 | 0.03x | $190.27 Million | $6.33 Billion | ▲ +11.6% |
| 2016 | 0.03x | $160.74 Million | $5.97 Billion | ▲ +44.6% |
| 2015 | 0.02x | $109.09 Million | $5.86 Billion | ▼ -26.8% |
| 2014 | 0.03x | $131.40 Million | $5.17 Billion | ▲ +7.3% |
| 2013 | 0.02x | $109.86 Million | $4.63 Billion | ▲ +0.5% |
| 2012 | 0.02x | $93.06 Million | $3.95 Billion | ▼ -10.4% |
| 2011 | 0.03x | $95.11 Million | $3.61 Billion | ▲ +22.2% |
| 2010 | 0.02x | $71.83 Million | $3.33 Billion | ▼ -64.0% |
| 2009 | 0.06x | $171.51 Million | $2.86 Billion | ▲ +1722.8% |
| 2008 | 0.00x | $-10.49 Million | $2.84 Billion | ▼ -118.4% |
| 2007 | 0.02x | $54.79 Million | $2.73 Billion | ▲ +6.7% |
| 2006 | 0.02x | $47.86 Million | $2.55 Billion | ▲ +12.7% |
| 2005 | 0.02x | $40.94 Million | $2.46 Billion | ▼ -50.0% |
| 2004 | 0.03x | $68.28 Million | $2.05 Billion | ▲ +35.3% |
| 2003 | 0.02x | $45.33 Million | $1.84 Billion | ▼ -0.3% |
| 2002 | 0.02x | $43.32 Million | $1.75 Billion | ▲ +7.0% |
| 2001 | 0.02x | $39.61 Million | $1.72 Billion | ▲ +2.2% |
| 2000 | 0.02x | $35.19 Million | $1.56 Billion | ▲ +4.2% |
| 1999 | 0.02x | $33.50 Million | $1.54 Billion | ▼ -7.8% |
| 1998 | 0.02x | $35.70 Million | $1.52 Billion | ▲ +60.0% |
| 1997 | 0.01x | $22.10 Million | $1.50 Billion | ▼ -38.6% |
| 1996 | 0.02x | $27.10 Million | $1.13 Billion | ▲ +17.0% |
| 1995 | 0.02x | $19.40 Million | $947.40 Million | ▼ -6.0% |
| 1994 | 0.02x | $19.80 Million | $908.70 Million | ▼ -6.3% |
| 1993 | 0.02x | $19.40 Million | $834.20 Million | — |