<span item_type="fundamental" item_id="c2e5d63a0f02a99812d0206122e538cf" counter_id="ST/US/FFIN" env="prod"></span><span item_type="announcement" item_id="580262451880989825" env="prod"></span><p>Revenue: As of FY2025 Q3, the actual value is USD 213.96 M.</p><p>EPS: As of FY2025 Q3, the actual value is USD 0.36, missing the estimate of USD 0.47.</p><p>EBIT: As of FY2025 Q3, the actual value is USD -63.84 M.</p><p></p><h3>Segment Revenue</h3><ul><li><strong>Interest Income</strong>: 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.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/36029/000119312525272373/ffin-20250930.htm"></span></li></ul><h3>Operational Metrics</h3><ul><li><strong>Net Income</strong>: 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.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/36029/000119312525272373/ffin-20250930.htm"></span></li><li><strong>Provision for Credit Losses</strong>: 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.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/36029/000119312525272373/ffin-20250930.htm"></span></li></ul><h3>Cash Flow</h3><ul><li><strong>Net Cash Provided by Operating Activities</strong>: 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.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/36029/000119312525272373/ffin-20250930.htm"></span></li><li><strong>Net Cash Used in Investing Activities</strong>: 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.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/36029/000119312525272373/ffin-20250930.htm"></span></li></ul><h3>Unique Metrics</h3><ul><li><strong>Nonaccrual Loans</strong>: Nonaccrual loans as of September 30, 2025, were $56,394,000, compared to $63,378,000 as of September 30, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/36029/000119312525272373/ffin-20250930.htm"></span></li></ul><h3>Future Outlook and Strategy</h3><ul><li><strong>Core Business Focus</strong>: 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.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/36029/000119312525272373/ffin-20250930.htm"></span></li><li><strong>Non-Core Business</strong>: 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.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/36029/000119312525272373/ffin-20250930.htm"></span></li></ul>

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