First Financial Bankshares INC: insider trades · United States · SEC (Form 4)

About First Financial Bankshares INC

First Financial Bankshares, Inc. (NASDAQ: FFIN) is a US financial holding company headquartered in Abilene, Texas, and listed on the NASDAQ market in the United States. For international investors, it is best understood as a high-quality regional banking franchise with a long operating history in Texas, conducted primarily through its wholly owned subsidiary, First Financial Bank. The company’s business model is centered on relationship banking: commercial lending, consumer lending, deposit gathering, treasury and cash-management services, and trust/wealth-related services. It has the profile of a traditional, deposit-funded regional bank rather than a diversified financial conglomerate. The company’s roots go back to 1890, when Farmers and Merchants National Bank opened in Abilene, Texas. First Financial later became a bank holding company in 1956 under the original name F & M Operating Company. That long operating history matters for investors because it underpins the firm’s brand, local relationships, and reputation in its core markets. Management emphasizes a culture of personalized service, community ties, and long-term client relationships, which are core strengths in a regional banking model. Operationally, First Financial Bankshares conducts a full-service commercial banking business. Its revenue base is primarily driven by interest income from loans and securities, supported by deposit funding and banking fees. The company serves consumers, professionals, small and mid-sized businesses, and commercial clients. It also offers trust services, which adds a more fee-based element to the franchise and helps broaden the customer relationship beyond lending alone. Growth has historically come through a mix of organic expansion, new branches, and selective acquisitions. Geographically, the franchise is concentrated in Texas, with 79 banking locations across the state and additional trust offices. This Texas-only footprint gives the company strong local market knowledge and operational focus, while also exposing it to the state’s economic cycle. In competitive terms, FFIN is widely viewed as one of the stronger regional banks in its asset range, with a conservative operating culture and a reputation for financial stability. Recent disclosures reinforce that picture. In its first-quarter 2026 earnings release, published in April 2026, the company reported net income of $71.54 million. Its 2025 annual report and Form 10-K showed total assets of about $15.45 billion, loans of $8.16 billion, and a network of 79 Texas locations. For investors seeking exposure to a Texas-centric regional bank listed on NASDAQ in the United States, FFIN stands out as a mature franchise with a long history, a focused product set, and a relatively defensive market position.