For the quarter ending 2026-03-31, FFIN had -$340,860K decrease in cash & cash equivalents over the period. $97,501K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net earnings | 71,543 | 73,309 | 52,266 | 128,004 |
| Depreciation and amortization | 3,573 | 3,319 | 3,869 | 6,462 |
| Deferred federal income tax benefit | - | -12,232 | -1 | 11,685 |
| Provision for credit losses | 2,291 | -2,486 | 24,435 | 6,660 |
| Securities premium amortization, net | -7,858 | -8,941 | -9,691 | -19,416 |
| Loss on sale of other real estate owned | -56 | -12 | -122 | 171 |
| Stock-based compensation | 1,902 | 1,861 | 1,600 | 3,458 |
| Net tax benefit from stock-based compensation | -158 | -158 | -135 | -200 |
| Change in loans held-for-sale | -7,007 | 3,927 | -6,990 | 24,200 |
| Change in other assets | -7,684 | -18,123 | 10,009 | 29,787 |
| Change in other liabilities | -430 | -12,193 | -2,639 | 16,374 |
| Total adjustments | 30,099 | 1,576 | 34,193 | 10,097 |
| Net cash provided by operating activities | 101,642 | 74,885 | 86,459 | 138,101 |
| Proceeds from sale of bank premises and equipment and other assets | - | 1,868 | 103 | 1,103 |
| Sales | - | 0 | - | - |
| Proceeds from maturities, calls, and paydowns | 9,741,411 | 2,550,830 | 167,016 | 5,397,243 |
| Purchases | 9,929,436 | 2,764,142 | 493,773 | 5,596,052 |
| Net increase in loans held-for-investment | 128,893 | -85,200 | 189,068 | 163,111 |
| Purchases of bank premises, equipment and software | 4,141 | 5,964 | 2,788 | 4,687 |
| Net cash used in investing activities | -321,059 | -132,208 | -518,510 | -365,504 |
| Net (decrease) increase in interest-bearing deposits | -15,179 | 544,486 | 390,629 | 258,224 |
| Net (decrease) increase in noninterest-bearing deposits | -85,113 | -45,205 | 7,203 | 91,018 |
| Net proceeds (repayment) in repurchase agreements and other borrowings | 5,616 | 12,034 | 2,423 | -126,840 |
| Proceeds from stock option exercises/stock unit conversions/restricted stock activity | 456 | 462 | 1,436 | 1,479 |
| Dividends paid | 27,223 | 27,262 | 27,206 | 51,529 |
| Repurchase of stock | - | 0 | - | - |
| Net cash (uused in) provided by financing activities | -121,443 | 484,515 | 374,485 | 172,352 |
| Net (decrease) increase in cash and cash equivalents | -340,860 | 427,192 | -57,566 | -55,051 |
| Cash and cash equivalents, beginning of period | 1,077,988 | 650,796 | 763,413 | - |
| Cash and cash equivalents, end of period | 737,128 | 1,077,988 | 650,796 | - |
FIRST FINANCIAL BANKSHARES INC (FFIN)
FIRST FINANCIAL BANKSHARES INC (FFIN)