First Financial Banshares | 8-K: 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

• Net Interest Income: $127.00 million for Q3 2025, compared to $107.11 million in Q3 2024 and $123.73 million in Q2 2025.
• Noninterest Income: $34.26 million for Q3 2025, compared to $32.36 million in Q3 2024.

Operational Metrics

• Net Income: $52.27 million for Q3 2025, compared to $55.31 million in Q3 2024 and $66.66 million in Q2 2025.
• Provision for Credit Losses: $24.44 million for Q3 2025, compared to $6.12 million in Q3 2024 and $3.13 million in Q2 2025.
• Net Charge-offs: $22.34 million for Q3 2025, compared to $786 thousand in Q3 2024.
• Noninterest Expense: $73.67 million for Q3 2025, compared to $66.01 million in Q3 2024.
• Efficiency Ratio: 44.74% for Q3 2025, compared to 46.45% in Q3 2024.

Cash Flow

• No specific cash flow data is provided in the reference text.

Unique Metrics

• Allowance for Credit Losses: $105.96 million as of September 30, 2025, representing 1.29% of loans held-for-investment.
• Nonperforming Assets: 0.71% of loans and foreclosed assets as of September 30, 2025.

Outlook / Guidance

• The company remains optimistic about the final quarter of the year, focusing on liquidating collateral from a charged-off loan and continuing growth and profitability.