First Financial Bankshares Inc
First Financial Bankshares, Inc., through its subsidiaries, provides banking services in the United States. The company offers general commercial banking services, including checking, savings and time deposits, loans, automated teller machines, drive-in and night deposit services, safe deposit facilities, remote deposit capture, internet banking, mobile banking, payroll cards, funds transfer, and… Read more
First Financial Bankshares Inc (FFIN) - Net Assets
Latest net assets as of December 2025: $1.92 Billion USD
Based on the latest financial reports, First Financial Bankshares Inc (FFIN) has net assets worth $1.92 Billion USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($15.45 Billion) and total liabilities ($13.53 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $1.92 Billion |
| % of Total Assets | 12.41% |
| Annual Growth Rate | 10.02% |
| 5-Year Change | 8.99% |
| 10-Year Change | 128.83% |
| Growth Volatility | 9.39 |
First Financial Bankshares Inc - Net Assets Trend (1993–2025)
This chart illustrates how First Financial Bankshares Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for First Financial Bankshares Inc (1993–2025)
The table below shows the annual net assets of First Financial Bankshares Inc from 1993 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $1.92 Billion | +19.34% |
| 2024-12-31 | $1.61 Billion | +7.18% |
| 2023-12-31 | $1.50 Billion | +18.42% |
| 2022-12-31 | $1.27 Billion | -28.05% |
| 2021-12-31 | $1.76 Billion | +4.83% |
| 2020-12-31 | $1.68 Billion | +36.75% |
| 2019-12-31 | $1.23 Billion | +16.51% |
| 2018-12-31 | $1.05 Billion | +14.15% |
| 2017-12-31 | $922.77 Million | +10.13% |
| 2016-12-31 | $837.88 Million | +4.09% |
| 2015-12-31 | $804.99 Million | +18.11% |
| 2014-12-31 | $681.54 Million | +15.98% |
| 2013-12-31 | $587.65 Million | +5.51% |
| 2012-12-31 | $556.96 Million | +9.52% |
| 2011-12-31 | $508.54 Million | +15.13% |
| 2010-12-31 | $441.69 Million | +6.25% |
| 2009-12-31 | $415.70 Million | +12.72% |
| 2008-12-31 | $368.78 Million | +9.92% |
| 2007-12-31 | $335.50 Million | +11.50% |
| 2006-12-31 | $300.90 Million | +8.91% |
| 2005-12-31 | $276.28 Million | +4.04% |
| 2004-12-31 | $265.55 Million | +5.59% |
| 2003-12-31 | $251.49 Million | +5.33% |
| 2002-12-31 | $238.77 Million | +11.75% |
| 2001-12-31 | $213.65 Million | +8.94% |
| 2000-12-31 | $196.12 Million | +9.75% |
| 1999-12-31 | $178.70 Million | +5.49% |
| 1998-12-31 | $169.40 Million | +9.64% |
| 1997-12-31 | $154.50 Million | +17.76% |
| 1996-12-31 | $131.20 Million | +14.19% |
| 1995-12-31 | $114.90 Million | +10.59% |
| 1994-12-31 | $103.90 Million | +14.93% |
| 1993-12-31 | $90.40 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to First Financial Bankshares Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 3564.4% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $1.44 Billion | 75.11% |
| Common Stock | $1.43 Million | 0.07% |
| Other Comprehensive Income | $-221.53 Million | -11.55% |
| Other Components | $697.31 Million | 36.37% |
| Total Equity | $1.92 Billion | 100.00% |
First Financial Bankshares Inc Competitors by Market Cap
The table below lists competitors of First Financial Bankshares Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Mobile World Investment Corp
VN:MWG
|
$4.04 Billion |
|
Arcellx Inc
NASDAQ:ACLX
|
$4.04 Billion |
|
Trex Company Inc
NYSE:TREX
|
$4.04 Billion |
|
Hikma Pharmaceuticals PLC
PINK:HKMPF
|
$4.04 Billion |
|
St Joe Company
NYSE:JOE
|
$4.04 Billion |
|
Brunello Cucinelli S.p.A
OTCGREY:BCUCF
|
$4.04 Billion |
|
AAR Corp
NYSE:AIR
|
$4.04 Billion |
|
Temenos AG
PINK:TMNSF
|
$4.04 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in First Financial Bankshares Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 1,606,560,000 to 1,917,317,000, a change of 310,757,000 (19.3%).
- Net income of 253,585,000 contributed positively to equity growth.
- Dividend payments of 105,997,000 reduced retained earnings.
- Other comprehensive income increased equity by 202,759,000.
- Other factors decreased equity by 39,590,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $253.59 Million | +13.23% |
| Dividends Paid | $106.00 Million | -5.53% |
| Other Comprehensive Income | $202.76 Million | +10.58% |
| Other Changes | $-39.59 Million | -2.06% |
| Total Change | $- | 19.34% |
Book Value vs Market Value Analysis
This analysis compares First Financial Bankshares Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 2.21x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 149.53x to 2.21x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1993-12-31 | $0.20 | $29.49 | x |
| 1994-12-31 | $0.97 | $29.49 | x |
| 1995-12-31 | $1.06 | $29.49 | x |
| 1996-12-31 | $1.14 | $29.49 | x |
| 1997-12-31 | $1.30 | $29.49 | x |
| 1998-12-31 | $1.36 | $29.49 | x |
| 1999-12-31 | $1.43 | $29.49 | x |
| 2000-12-31 | $1.26 | $29.49 | x |
| 2001-12-31 | $1.38 | $29.49 | x |
| 2002-12-31 | $1.54 | $29.49 | x |
| 2003-12-31 | $2.02 | $29.49 | x |
| 2004-12-31 | $2.14 | $29.49 | x |
| 2005-12-31 | $2.22 | $29.49 | x |
| 2006-12-31 | $2.41 | $29.49 | x |
| 2007-12-31 | $2.69 | $29.49 | x |
| 2008-12-31 | $2.95 | $29.49 | x |
| 2009-12-31 | $3.32 | $29.49 | x |
| 2010-12-31 | $3.53 | $29.49 | x |
| 2011-12-31 | $4.04 | $29.49 | x |
| 2012-12-31 | $4.42 | $29.49 | x |
| 2013-12-31 | $4.60 | $29.49 | x |
| 2014-12-31 | $5.30 | $29.49 | x |
| 2015-12-31 | $6.19 | $29.49 | x |
| 2016-12-31 | $6.34 | $29.49 | x |
| 2017-12-31 | $6.96 | $29.49 | x |
| 2018-12-31 | $7.75 | $29.49 | x |
| 2019-12-31 | $9.00 | $29.49 | x |
| 2020-12-31 | $11.77 | $29.49 | x |
| 2021-12-31 | $12.29 | $29.49 | x |
| 2022-12-31 | $8.84 | $29.49 | x |
| 2023-12-31 | $10.49 | $29.49 | x |
| 2024-12-31 | $11.22 | $29.49 | x |
| 2025-12-31 | $13.36 | $29.49 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently First Financial Bankshares Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 13.23%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 30.71%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 8.06x
- Recent ROE (13.23%) is below the historical average (13.90%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1993 | 14.71% | 20.72% | 0.07x | 10.23x | $4.26 Million |
| 1994 | 12.61% | 17.92% | 0.07x | 9.75x | $2.71 Million |
| 1995 | 14.27% | 19.32% | 0.08x | 9.25x | $4.91 Million |
| 1996 | 14.48% | 17.98% | 0.08x | 9.62x | $5.88 Million |
| 1997 | 13.59% | 17.36% | 0.07x | 10.72x | $5.55 Million |
| 1998 | 13.75% | 17.35% | 0.08x | 9.96x | $6.36 Million |
| 1999 | 14.38% | 19.11% | 0.08x | 9.64x | $7.83 Million |
| 2000 | 14.44% | 19.68% | 0.08x | 8.94x | $8.70 Million |
| 2001 | 13.74% | 20.38% | 0.07x | 9.03x | $7.99 Million |
| 2002 | 14.22% | 25.26% | 0.07x | 8.35x | $10.08 Million |
| 2003 | 14.04% | 27.29% | 0.06x | 8.32x | $10.16 Million |
| 2004 | 14.75% | 28.22% | 0.06x | 8.72x | $12.62 Million |
| 2005 | 15.93% | 26.18% | 0.06x | 9.90x | $16.40 Million |
| 2006 | 15.30% | 23.11% | 0.07x | 9.47x | $15.94 Million |
| 2007 | 14.75% | 22.74% | 0.07x | 9.15x | $15.94 Million |
| 2008 | 14.42% | 25.49% | 0.06x | 8.71x | $16.29 Million |
| 2009 | 12.94% | 27.58% | 0.06x | 7.89x | $12.23 Million |
| 2010 | 13.51% | 30.65% | 0.05x | 8.55x | $15.49 Million |
| 2011 | 13.44% | 33.23% | 0.05x | 8.10x | $17.52 Million |
| 2012 | 13.33% | 35.23% | 0.05x | 8.08x | $18.53 Million |
| 2013 | 13.42% | 34.02% | 0.04x | 8.89x | $20.10 Million |
| 2014 | 13.14% | 34.79% | 0.04x | 8.58x | $21.41 Million |
| 2015 | 12.47% | 34.89% | 0.04x | 8.28x | $19.88 Million |
| 2016 | 12.50% | 33.88% | 0.05x | 8.13x | $20.99 Million |
| 2017 | 13.04% | 36.62% | 0.05x | 7.86x | $28.09 Million |
| 2018 | 14.30% | 39.29% | 0.05x | 7.34x | $45.31 Million |
| 2019 | 13.43% | 39.52% | 0.05x | 6.73x | $42.09 Million |
| 2020 | 12.04% | 41.07% | 0.05x | 6.50x | $34.22 Million |
| 2021 | 12.94% | 45.01% | 0.04x | 7.45x | $51.64 Million |
| 2022 | 18.52% | 42.53% | 0.04x | 10.25x | $107.90 Million |
| 2023 | 13.27% | 31.36% | 0.05x | 8.74x | $49.09 Million |
| 2024 | 13.91% | 30.24% | 0.05x | 8.70x | $62.85 Million |
| 2025 | 13.23% | 30.71% | 0.05x | 8.06x | $61.85 Million |
Industry Comparison
This section compares First Financial Bankshares Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $16,924,188,763
- Average return on equity (ROE) among peers: 8.48%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| First Financial Bankshares Inc (FFIN) | $1.92 Billion | 14.71% | 7.06x | $4.04 Billion |
| Ameris Bancorp (ABCB) | $293.77 Million | 7.18% | 9.19x | $4.91 Billion |
| ACNB Corporation (ACNB) | $49.44 Million | 14.38% | 8.56x | $474.47 Million |
| Addiko Bank AG (ADBKF) | $851.70 Million | 0.16% | 5.94x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $117.10 Million | 6.09% | 5.76x | $79.30 Million |
| Absa Group Limited (AGRPF) | $85.20 Billion | 14.06% | 10.26x | $6.72 Billion |
| AIB Group plc (AIBGY) | $13.66 Billion | 4.74% | 8.36x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $62.92 Billion | 9.95% | 6.60x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $5.78 Billion | 1.48% | 10.55x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $18.00 Million | 9.85% | 14.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |