First Financial Bankshares Q4 net income rises 18%

First Financial Bankshares

22/01/2026 21:14

Overview

Texas-based bank's Q4 net income rose to $73.31 mln, marking record quarterly earnings

Diluted EPS for Q4 increased to $0.51 from $0.43 a year ago

Company reported strong deposit growth, aiding future loan and securities growth

Outlook

Company plans to focus on sound lending growth in 2026

Company expects deposit growth to support loan and securities growth in 2026

Result Drivers

NET INTEREST INCOME - Q4 2025 net interest income rose to $131.37 mln from $116.12 mln a year ago, driven by increased earning assets

CREDIT PROVISION REVERSAL - Co recorded a credit provision reversal of $2.49 mln in Q4 2025, contrasting with a $24.44 mln provision in Q3 2025

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 EPS
$0.51
Q4 Net Interest Income
$131.37 mln
Q4 Net Interest Margin
3.81%


Analyst Coverage

The current average analyst rating on the shares is "hold" and the breakdown of recommendations is 1 "strong buy" or "buy", 4 "hold" and no "sell" or "strong sell"

The average consensus recommendation for the banks peer group is "buy."

Wall Street's median 12-month price target for First Financial Bankshares Inc is $36.00, about 6.5% above its January 21 closing price of $33.81

The stock recently traded at 17 times the next 12-month earnings vs. a P/E of 18 three months ago

Press Release: ID:nPn2Sw94Xa

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)