earnings
confidence high
sentiment positive
materiality 0.72
First Financial Q1 net income $61.4M, EPS $0.43 beats prior-year $0.37
FIRST FINANCIAL BANKSHARES INC
2025-Q1 EPS reported
$0.43
- Net income $61.35M vs $53.40M Q1 2024; diluted EPS $0.43 vs $0.37.
- Net interest margin expanded to 3.74% from 3.34% YoY; NII $118.8M vs $100.2M.
- Loans grew to $7.95B (+1.67% annualized QoQ); deposits +$362.8M QoQ.
- Provision for credit losses $3.53M vs $808K; NPAs/loans + foreclosed 0.78% vs 0.51%.
- Efficiency ratio improved to 46.36% from 48.37% a year ago.