First Financial Banshares | 10-Q: FY2025 Q3 Revenue: USD 213.96 M

Revenue: As of FY2025 Q3, the actual value is USD 213.96 M.

EPS: As of FY2025 Q3, the actual value is USD 0.36, missing the estimate of USD 0.47.

EBIT: As of FY2025 Q3, the actual value is USD -63.84 M.

Segment Revenue

• Interest Income: Total interest income for the nine months ended September 30, 2025, was $519,612,000, compared to $463,126,000 for the same period in 2024.

Operational Metrics

• Net Income: Net earnings for the nine months ended September 30, 2025, were $180,270,000, compared to $161,190,000 for the same period in 2024.
• Provision for Credit Losses: The provision for credit losses for the nine months ended September 30, 2025, was $31,095,000, compared to $12,817,000 for the same period in 2024.

Cash Flow

• Net Cash Provided by Operating Activities: For the nine months ended September 30, 2025, net cash provided by operating activities was $224,560,000, compared to $225,170,000 for the same period in 2024.
• Net Cash Used in Investing Activities: For the nine months ended September 30, 2025, net cash used in investing activities was - $884,014,000, compared to - $400,325,000 for the same period in 2024.

Unique Metrics

• Nonaccrual Loans: Nonaccrual loans as of September 30, 2025, were $56,394,000, compared to $63,378,000 as of September 30, 2024.

Future Outlook and Strategy

• Core Business Focus: The company plans to continue focusing on its core banking services, with an emphasis on maintaining strong credit quality and managing interest rate risk effectively.
• Non-Core Business: The company has extended its stock repurchase authorization, allowing for the repurchase of up to 5,000,000 common shares through July 31, 2026, as part of its capital management strategy.