OakChart

First Financial Bankshares Inc

FFINFinancial·Banks - Regional·USA·Mid·NASD·Nov 11 • 2:36 PM ET

30.31-0.28 (-0.93%)
2026-11-11 20:36 CET
Market cap
4,379.30 USD m
Revenue, TTM
- USD m
Net income, TTM
291.05 USD m
Free cash flow, TTM
327.39 USD m
EPS diluted, TTM
2.03
P/E
14.96
Compare

Price

FFIN against its 20, 50 and 200-day averages
2050200missearnings
30.0032.0034.0036.002.2M4.5MMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26FFINclose 30.3120-day 30.5550-day 31.60200-day 32.4330.3152w high

17.0% under the 52-week high of 36.52 on 16 Jul 2026. 52-week low 28.12 on 19 Mar 2026. Last 15 sessions, 9.8% high to low

Profile

FFIN
52-week range, 26% of the way up
28.1136.52

First Financial Bankshares, Inc. is a holding company, which engages in the provision of financial and community banking services. It offers mortgage loans, savings and checking accounts, auto and equity loans, online and mobile banking, investment and trust management, and retirement plans. The company was founded in 1956 and is headquartered in Abilene, TX.

IndexRUT
Employees1600
IPONov 01, 1993
Beta0.81
ATR, 14d0.78
Rel volume0.39
Short float6.31%
Insider own3.47%
Inst own66.38%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap4.34B
Enterprise Value-
Income291.05M
Sales878.38M
Book/sh12.86
Cash/sh-
Dividend Est.0.85 (2.80%)
Dividend TTM0.82 (2.71%)
Dividend Ex-DateSep 14, 2026
Dividend Gr. 3/5Y4.35% 8.02%
Payout42.43%
Employees1600
IPONov 01, 1993

Ratios

P/E14.96
Forward P/E14.23
PEG1.63
P/S4.94
P/B2.36
P/C-
P/FCF13.25
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.13
Debt/Eq0.04
LT Debt/Eq0.01
Option/ShortYes / Yes

Earnings

EPS (ttm)2.03
EPS next Y2.13
EPS next Q0.52
EPS this Y15.11%
EPS next Y4.54%
EPS next 5Y8.74%
EPS past 3/5Y2.59% 4.52%
Sales past 3/5Y13.83% 10.65%
EPS Y/Y TTM19.76%
Sales Y/Y TTM8.08%
EPS Q/Q41.92%
Sales Q/Q5.20%
EarningsOct 15 AMC
EPS/Sales Surpr.-0.25% -2.51%

Ownership

Insider Own3.47%
Insider Trans-0.11%
Inst Own66.38%
Inst Trans3.47%
ROA1.94%
ROE15.89%
ROIC15.70%
Gross Margin-
Oper. Margin40.56%
Profit Margin33.14%
SMA20-0.79%
SMA50-4.09%
SMA200-6.55%
Trades-

Technical

Shs Outstand142.45M
Shs Float138.19M
Short Float6.31%
Short Ratio9.95
Short Interest8.73M
52W High36.52 -17.02%
52W Low28.11 7.79%
Volatility3.20% 2.63%
ATR (14)0.78
RSI (14)43.13
Beta0.81
Rel Volume0.39
Avg Volume877.12K
Volume271,526

Performance

Perf Week-3.55%
Perf Month-1.64%
Perf Quarter-13.73%
Perf Half Y-3.21%
Perf YTD1.46%
Perf Year-3.61%
Perf 3Y22.74%
Perf 5Y-44.27%
Perf 10Y39.98%
Recom2.75
Target Price34.71
Prev Close30.59
Price30.31
Change %-0.93%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Oct 15, 2026InitiatedRRaymond JamesMkt Perform
Sep 11, 2026InitiatedHHovde GroupMarket Perform$36+18.8%
Aug 27, 2026InitiatedPPiper SandlerNeutral$35+15.5%
Jun 25, 2026InitiatedTThe Benchmark CompanyBuy$39+28.7%
Oct 27, 2025UpgradeHHovde GroupMarket Perform → Outperform$39+28.7%
Sep 10, 2025InitiatedCCantor FitzgeraldNeutral$39+28.7%
Jul 21, 2025ReiteratedHHovde GroupMarket Perform$38 → $39+28.7%
Apr 21, 2025ReiteratedHHovde GroupMarket Perform$40 → $38+25.4%
Oct 21, 2024ReiteratedHHovde GroupMarket Perform$34.50 → $40+32.0%
Aug 31, 2021InitiatedJJanneyNeutral$50+65.0%

Peers

Mkt cap
TickerCompanyMkt cap
PBProsperity Bancshares Inc8.72B
CFRCullen Frost Bankers Inc9.83B
IBOCInternational Bancshares Corp4.21B
SBSISouthside Bancshares Inc1.04B
BANFBancfirst Corp3.96B
GBCIGlacier Bancorp Inc6.29B
TCBITexas Capital Bancshares Inc4.24B
BOKFBOK Financial Corp7.93B
OBKOrigin Bancorp Inc1.66B
HTHHilltop Holdings Inc2.07B

Insider trading

latest 14 of 29
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Edwards Murray HamiltonDirectorOct 30 '26Buy30.5380024,42345,434Nov 03 09:41 AM
Denny Michael B.DirectorOct 29 '26Buy30.763,24599,8169,745Oct 30 02:22 PM
Nickles Robert Clark JrDirectorOct 23 '26Buy30.1282024,69899,144Oct 27 09:54 AM
Longhofer T. LukeEVP - Chief Credit OfficerSep 08 '26Option Exercise24.142,30055,53044,098Sep 10 05:07 PM
Denny Michael B.DirectorAug 18 '26Buy34.663,000103,9806,500Aug 20 11:09 AM
McVey J. KyleEVP, CFO - BankAug 14 '26Option Exercise21.184,00084,72033,857Aug 18 04:46 PM
Butler Ronald David IIEVP/CAOAug 17 '26Option Exercise21.185,000105,900157,223Aug 18 02:10 PM
Butler Ronald David IIEVP/CAOAug 17 '26Sale34.9515,000524,250152,223Aug 18 02:10 PM
Butler Ronald David IIOfficerAug 17 '26Proposed Sale35.1915,000527,850Aug 17 02:20 PM
Nickles Robert Clark JrDirectorJul 24 '26Buy34.8970024,42398,324Jul 27 05:37 PM
Edwards Murray HamiltonDirectorJun 11 '26Buy33.181,00033,18044,634Jun 15 02:33 PM
Biebighauser Lon A.Trust Company PresidentMay 06 '26Option Exercise21.1849010,37811,013May 07 04:20 PM
Bailey David WilliamPresident and CEOMay 06 '26Option Exercise21.182,50052,95023,372May 07 04:11 PM
Nickles Robert Clark JrDirectorMay 05 '26Buy31.9666421,22197,624May 06 05:17 PM

Held by

AUM
TickerCompanyAUM
IJHiShares Core S&P Mid-Cap ETFAUM: 124.48B
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
VBVanguard Morningstar Small-Cap ETFAUM: 79.59B
VBRVanguard Morningstar Small-Cap Value ETFAUM: 37.76B
VXFVanguard Extended Market Index ETFAUM: 30.47B
KREState Street SPDR S&P Regional Banking ETFAUM: 4.43B
DFASU.S. Small Cap Portfolio-ETF Class SharesAUM: 15.51B
MDYState Street SPDR S&P MIDCAP 400 ETF TrustAUM: 26.22B
REGLProShares S&P MidCap 400 Div Aristocrats ETFAUM: 1.78B

News

latest 14 of 200
  • First Financial: Q3 Earnings Snapshot (Associated Press)
  • FIRST FINANCIAL BANKSHARES ANNOUNCES THIRD QUARTER 2026 EARNINGS (PR Newswire)
  • FIRST FINANCIAL BANK TO PARTICIPATE IN STATEWIDE DAY OF SERVICE (PR Newswire)
  • FIRST FINANCIAL BANK TO OPEN FIRST FULL-SERVICE BRANCH IN AUSTIN AREA WITH NEW BEE CAVE BRANCH (PR Newswire)
  • First Financial Bankshares Inc's Dividend Analysis (GuruFocus.com)
  • FIRST FINANCIAL BANK ABILENE REGION ANNOUNCES LEADERSHIP TRANSITION AND EXECUTIVE PROMOTIONS (PR Newswire)
  • FIRST FINANCIAL BANKSHARES ANNOUNCES 2026 SHARE REPURCHASE PLAN (PR Newswire)
  • First Financial: Q2 Earnings Snapshot (Associated Press)
  • FIRST FINANCIAL BANKSHARES ANNOUNCES SECOND QUARTER 2026 EARNINGS (PR Newswire)
  • FIRST FINANCIAL BANKSHARES RENAMES WEALTH COMPANY TO FIRST FINANCIAL WEALTH MANAGEMENT (PR Newswire)
  • FIRST FINANCIAL ANNOUNCES BOARD ELECTION AND INCREASED DIVIDEND AT ANNUAL MEETING (PR Newswire)
  • FIRST FINANCIAL BANKSHARES TO LIVE STREAM ANNUAL MEETING ON TUESDAY, APRIL 28, 2026 (PR Newswire)
  • FIRST FINANCIAL BANKSHARES NAMED THE #5 TOP-PERFORMING PUBLIC BANK IN THE NATION BY S&P GLOBAL MARKET INTELLIGENCE (PR Newswire)
  • FIRST FINANCIAL BANK ANNOUNCES GREATER HOUSTON LEADERSHIP APPOINTMENTS (PR Newswire)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-150.5200.5210.520174.14178.638
2026Q22026-07-160.5000.5040.500172.76173.035
2026Q12026-04-160.5000.4730.498166.89166.314
2025Q42026-01-220.5100.4820.511164.72166.195
2025Q32025-10-230.3600.4280.364161.27162.265
2025Q22025-07-170.4700.4430.465156.6156.414
2025Q12025-04-170.4300.4280.428149.02149.534
2024Q42025-01-230.4300.4000.435147.09144.624
2024Q32024-10-170.3900.3880.386139.47140.45
2024Q22024-07-180.3700.3620.367134.54133.475
2024Q12024-04-180.3700.3460.373129.63129.725
2023Q42024-01-250.3750.3380.322119.49125.095
2023Q32023-10-190.3500.3620.346122.22128.065
2023Q22023-07-200.3600.3620.356125.81128.415
2023Q12023-04-200.3700.3850.367124.29131.066
2022Q42023-01-190.4100.4100.410132.56136.316

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY0.8470.8500.907327.7352.4
2018FY1.1101.1171.108374.52383.5
2019FY1.2101.2051.209397.52400.91
2020FY1.4201.3881.417489.82496.32
2021FY1.5901.6071.590512.54529.89
2022FY1.6401.6281.637533.08543.03
2023FY1.4101.4021.392491.81505.89
2024FY1.5601.5281.561550.73556.04
2025FY1.7701.7681.770631.6639.72
2026FY-2.038--702.74
2027FY-2.130--739.98
2028FY-2.276--784.05

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-11-04702179.4174.08181.31
2026Q4S2026-10-16701179.89177.5181.31
2026Q4S2026-10-15700180.85177.5182.6
2026Q4S2026-10-13700180.85177.5182.6
2026Q4S2026-10-09600180.92177.5182.6
2026Q4S2026-09-30600181.08178.44182.6
2026Q4S2026-09-21620181.08178.44182.6
2026Q4S2026-09-10620181.28178.44183.14
2026Q4S2026-08-26520181.15178.44183.14
2026Q4S2026-08-15420180.79178.44183.14
2026Q4S2026-07-17430180.79178.44183.14
2026Q4S2026-07-01300179.3175.81183.69
2026Q4S2026-06-23311179.3175.81183.69
2026Q4S2026-05-03211179.75175.81183.69

Estimate history

EPS, annual0.9071.1081.2091.4171.591.6371.3921.5611.7682.0262
Period201720182019202020212022202320242025TTM
EPS, quarterly0.3860.4350.4280.4650.3640.5110.4980.50.517
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual339.755393.601427.301503.951518.322566.661637.2755.043835.87878.38
Period201720182019202020212022202320242025TTM
Sales, quarterly192.023196.535197.342204.898213.949216.072215.079222.169225.065
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual131.529134.571134.964141.223141.595141.729141.787142.015142.277142.451
Period201720182019202020212022202320242025MRQ
Shares, quarterly141.975142.015142.091142.148142.257142.277142.339142.376142.451
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income740.82702.48628.92528.07432.85376.40364.13319.19291.69
Total Interest Expense199.24201.59202.18144.2631.446.0414.2430.1018.93
Net Interest Income541.58500.89426.74383.81401.41370.36349.88289.09272.76
Loan Loss Provision6.0228.6113.8210.6317.43-1.1419.522.965.67
Net Interest Income After Loan Loss Provision535.56472.28412.92373.18383.99371.50330.37286.12267.10
Non-Interest Income137.57133.39126.12109.13133.81141.92139.82108.11101.91
Non-Interest Expense316.85296.07267.68240.53237.44241.66227.94193.85189.14
Operating Income356.28309.60271.36241.77280.35271.76242.25200.39179.87
Unusual Expense0.000.000.000.000.000.000.002.671.55
Net Income Before Taxes355.90309.60271.85243.30280.87271.97242.37198.03178.18
Income Taxes64.8556.0248.3444.3246.4044.4140.3333.2227.54
Consolidated Net Income291.05253.58223.51198.98234.47227.56202.03164.81150.64
Net Income From Continuing Operations291.05253.58223.51198.98234.47227.56202.03164.81150.64
Net Income291.05253.58223.51198.98234.47227.56202.03164.81150.64
EPS (Recurring)2.031.771.561.391.641.591.421.221.12
EPS (Basic, Before Extraordinaries)2.031.771.561.391.641.601.421.221.11
EPS (Diluted)2.031.771.561.391.641.591.421.211.11
Non-Operating Income (Expense)-0.380.010.481.520.520.210.110.32-0.15
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense6.545.473.323.592.631.011.611.811.73
Price To Earnings Ratio15.1015.1024.8920.4821.3231.9825.5329.0426.03
Price To Sales Ratio5.195.136.846.808.6914.0410.2311.209.96
Operating Margin40.5637.0435.9437.9449.4752.4348.0746.9045.70
Net Margin33.1430.3429.6031.2341.3843.9040.0938.5738.27
Shares Outstanding142.45142.28142.01141.79141.73141.60141.22134.96134.57
Market Capitalization4,379.304,379.305,151.914,324.084,906.887,243.075,140.974,768.163,881.69

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income189.04185.96182.94182.87179.69172.81167.11165.79
Total Interest Expense50.5449.0548.1551.5052.6949.0848.3249.67
Net Interest Income138.51136.91134.79131.37127.00123.73118.79116.12
Loan Loss Provision2.034.182.29-2.4924.433.133.531.00
Net Interest Income After Loan Loss Provision136.47132.73132.50133.85102.57120.60115.26115.11
Non-Interest Income36.0236.2132.1333.2034.2632.0930.2330.74
Non-Interest Expense81.4481.1076.8177.5173.6644.7770.3470.08
Operating Income91.0687.8487.8389.5563.16107.9275.1675.78
Unusual Expense0.000.000.000.000.000.000.000.00
Net Income Before Taxes91.0687.4787.8389.5563.1681.7475.1675.99
Income Taxes16.7515.5716.2916.2410.9015.0813.8113.67
Consolidated Net Income74.3171.8971.5473.3152.2766.6661.3562.32
Net Income From Continuing Operations74.3171.8971.5473.3152.2766.6661.3562.32
Net Income74.3171.8971.5473.3152.2766.6661.3562.32
EPS (Recurring)0.520.500.500.510.360.460.430.43
EPS (Basic, Before Extraordinaries)0.520.500.500.510.370.470.430.44
EPS (Diluted)0.520.500.500.510.360.460.430.43
Non-Operating Income (Expense)-0.00-0.370.000.000.000.010.000.21
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense1.591.581.901.471.261.211.520.61
Price To Earnings Ratio15.1018.8216.6617.6519.6322.2723.0124.89
Price To Sales Ratio5.195.734.985.155.946.526.686.87
Operating Margin40.4639.5440.8441.4429.5252.6738.0838.56
Net Margin33.0232.3633.2633.9324.4332.5331.0931.71
Shares Outstanding142.45142.38142.34142.28142.26142.15142.09142.01
Market Capitalization4,379.304,957.564,218.094,277.564,815.455,146.945,135.955,151.91

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks249.47260.00281.35293.29205.05211.11231.53207.84209.58
Investments6,423.835,158.095,028.425,524.126,935.804,999.593,493.503,223.483,266.82
Net Loans8,052.747,814.777,060.066,366.035,325.515,104.504,142.473,902.433,437.41
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets0.480.870.480.002.48----
Net Property, Plant & Equipment149.99151.90151.79152.97149.76142.27131.02133.42124.03
Interest Receivables0.000.000.000.000.000.000.000.000.00
Other Intangible Assets569.97593.78583.50637.66483.86447.03263.70264.68216.87
Total Assets15,446.4813,979.4213,105.5912,974.0713,102.4610,904.508,262.237,731.857,254.72
Total Deposits13,345.5312,099.1711,138.3011,005.5110,566.498,675.826,603.816,180.395,962.96
Total Debt84.64197.02404.08642.51671.15430.09381.36468.71331.00
Long Term Debt21.05121.0521.0521.0521.050.000.000.000.00
Provision for Risks Charges6.398.687.9012.326.440.000.000.000.00
Other Liabilities92.6167.9956.4147.9999.16120.4049.8729.4637.99
Total Liabilities13,529.1612,372.8611,606.6911,708.3311,343.249,226.317,035.036,678.566,331.95
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity1,917.321,606.561,498.901,265.741,759.221,678.191,159.691,053.30922.77
Total Shareholders Equity1,917.321,606.561,498.901,265.741,759.221,678.191,159.691,053.30922.77
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity1,917.321,606.561,498.901,265.741,759.221,678.191,159.691,053.30922.77
Total Liabilities & Stockholders Equity15,446.4813,979.4213,105.5912,974.0713,102.4610,904.508,262.237,731.857,254.72
Book Value Per Share13.4811.3110.578.9312.4211.888.597.837.02
Tangible Book Value Per Share11.279.108.356.7010.199.637.316.535.94
Tier 1 Capital1,888.341,731.121,601.361,498.731,356.011,201.73997.72888.01765.88
Tier 2 Capital111.92107.0096.6488.1669.9072.0253.3152.0148.75
Full-Time Employees1,6001,5001,5001,5011,4841,5001,3451,3501,300
Price to Book Ratio2.383.083.464.304.093.044.083.693.27
Return on Assets1.721.651.531.801.902.112.062.011.71
Return on Equity14.3914.3914.3915.5013.2414.2414.8915.2513.67
Return on Invested Capital13.0812.9413.0918.2212.7812.0414.2114.3013.04
Current Ratio0.250.180.140.070.120.210.110.100.16

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations343.25340.71299.73284.29325.64307.74263.27203.72194.85
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital9.37-20.134.052.77-26.891.390.896.22-0.08
Cash from Operating Activities352.62320.58303.79287.06298.75309.13264.16209.95194.78
Capital Expenditures-25.24-13.44-16.72-17.25-15.78-19.20-16.45-8.67-17.65
Net Assets From Acquisitions0.000.000.000.000.000.000.000.000.00
Sale of Fixed Assets and Businesses2.163.071.903.771.190.8262.482.2519.50
Purchase or Sale of Investments-390.19-738.8843.65849.20226.52-2,381.48-779.09-199.31-72.53
Purchase of Investments-13,126.91-8,853.97-6,599.46-4,005.74-4,385.68-10,887.73-7,117.15-4,727.43-3,731.82
Sale Or Maturity of Investments12,736.738,115.096,643.114,854.954,612.208,506.256,338.064,528.123,659.29
Other Uses0.000.000.000.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.000.000.000.00
Cash from Investing Activities-711.95-1,037.36-731.02125.05-812.81-2,567.55-1,315.70-455.30-281.71
Cash Dividends Paid-113.30-106.00-102.91-99.97-91.31-79.71-70.32-61.06-53.86
Change in Capital Stock2.073.383.16-0.60-2.905.91-3.294.293.86
Repurchase of Common Pref Stock0.000.000.00-2.74-9.450.00-8.010.000.00
Sale of Common Pref Stock2.073.383.162.136.545.914.724.293.86
Proceedsfrom Stock Options0.000.000.000.000.000.000.004.293.86
Issuance or Reduction of Debt, Net-7.66-112.38-207.06-238.43-28.64241.0648.74-87.35137.71
Change in Long Term Debt0.000.000.000.000.000.000.000.000.00
Issuance of Long Term Debt0.000.000.000.000.000.000.000.000.00
Reduction of Long Term Debt0.000.000.000.000.000.000.000.000.00
Net Financing Active Other Cash Flow0.000.000.000.000.000.000.000.000.00
Other Financing Activities Uses0.000.000.000.000.000.000.000.000.00
Cash from Financing Activities183.011,031.35654.06-206.20316.152,057.921,498.01279.31-36.77
Net Change in Cash-176.32314.57226.82205.91-197.91-200.50446.4833.96-123.70
Free Cash Flow327.39307.14287.07269.81282.96289.93247.71201.28177.13
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow21.3121.3028.0425.5025.7134.6229.0734.1331.82
Federal Home Loan Advances Increase (Decrease)-0.000.000.000.000.000.000.000.00

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks178.82284.76264.85249.47237.47264.00
Investments5,767.226,053.616,223.776,423.835,730.195,394.64
Net Loans8,424.908,234.508,177.208,052.748,137.677,972.15
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment158.82155.56150.99149.99149.65149.00
Interest Receivables0.000.000.000.000.000.00
Deferred Tax Assets--80.42-96.56113.81
Other Intangible Assets629.83575.24490.41569.97487.99482.75
Total Assets15,162.8715,306.4415,387.6515,446.4814,841.5314,376.84
Total Deposits13,148.1413,119.9813,245.2413,345.5312,846.2512,448.42
Total Debt64.9475.4890.2584.6472.6070.18
Long Term Debt21.0521.0521.0621.0521.0621.05
Provision for Risks Charges35.1736.5736.566.398.849.91
Other Liabilities82.0577.5171.7492.6183.57110.98
Total Liabilities13,330.3113,309.5513,443.7913,529.1613,011.2612,639.49
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity1,832.561,996.891,943.851,917.321,830.271,737.35
Total Shareholders Equity1,832.561,996.891,943.851,917.321,830.271,737.35
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity1,832.561,996.891,943.851,917.321,830.271,737.35
Total Liabilities & Stockholders Equity15,162.8715,306.4415,387.6515,446.4814,841.5314,376.84
Book Value Per Share12.8614.0313.6613.4812.8712.22
Tangible Book Value Per Share10.6611.8211.4511.2710.6610.01
Tier 1 Capital2,023.581,977.891,935.121,888.341,839.741,811.50
Tier 2 Capital119.74118.64113.86111.92114.80112.71
Full-Time Employees---1,600--
Price to Book Ratio2.382.532.192.322.753.04
Return on Assets1.941.811.781.721.711.78
Return on Equity15.8914.4114.5614.3913.8915.09
Return on Invested Capital4.013.563.643.782.823.79
Current Ratio0.130.160.210.250.190.20

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations91.3091.6987.3872.8892.1295.81
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital3.51-7.337.255.93-12.65-16.22
Cash from Operating Activities94.8184.3694.6478.8179.4779.59
Capital Expenditures-6.59-8.54-4.14-5.96-2.79-2.57
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.160.130.001.870.101.10
Purchase or Sale of Investments14.13-2.98-188.03-213.31-326.76-91.51
Purchase of Investments-276.07-157.27-9,929.44-2,764.14-493.77-254.20
Sale Or Maturity of Investments290.20154.289,741.412,550.83167.02162.69
Other Uses0.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.00
Cash from Investing Activities-187.61-74.16-314.05-136.13-511.52-241.43
Cash Dividends Paid-31.57-27.25-27.22-27.26-27.21-25.77
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock0.840.320.460.461.440.68
Repurchase of Common Pref Stock0.000.000.000.000.000.00
Sale of Common Pref Stock0.840.320.460.461.440.68
Proceedsfrom Stock Options0.000.000.000.000.000.00
Issuance or Reduction of Debt, Net-10.54-14.775.6212.032.42-13.40
Change in Long Term Debt0.000.000.000.000.000.00
Issuance of Long Term Debt0.000.000.000.000.000.00
Reduction of Long Term Debt0.000.000.000.000.000.00
Net Financing Active Other Cash Flow0.000.000.000.000.000.00
Other Financing Activities Uses0.000.000.000.000.000.00
Cash from Financing Activities-13.11-166.95-121.44484.51374.49-56.86
Net Change in Cash-105.91-156.75-340.86427.19-57.57-218.69
Free Cash Flow88.2275.8290.4972.8576.6877.02
Price to Free Cash Flow21.3124.0320.1821.3224.3925.68

Revenue breakdown

State Commercial Banks2024: 550.73M 2025: 631.60M
United States2024: 550.73M 2025: 631.60M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-306.31%8.7M138.2M852.69K
2026-10-156.68%9.2M138.4M777.49K
2026-09-306.68%9.2M138.4M747.57K
2026-09-156.53%9.0M138.4M827.19K
2026-08-316.15%8.5M138.4M870.18K
2026-08-146.06%8.4M138.4M888.38K
2026-07-316.09%8.4M138.1M910.50K
2026-07-156.21%8.6M138.1M883.76K
2026-06-306.29%8.7M138.0M859.33K
2026-06-156.15%8.5M137.9M759.64K
2026-05-295.91%8.2M138.0M771.10K
2026-05-155.98%8.3M138.0M771.83K
2026-04-305.98%8.2M138.0M772.10K
2026-04-155.88%8.1M137.9M823.97K
2026-03-316.02%8.3M138.1M849.45K
2026-03-135.86%8.1M138.1M851.21K
2026-02-275.64%7.8M138.1M823.22K
2026-02-135.57%7.7M138.1M816.38K
2026-01-305.27%7.3M138.1M783.78K
2026-01-155.36%7.4M138.1M733.51K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call17.5011.0015.500.005.0610.000.000.959-0.0520.004
call20.008.5013.000.004.3650.000.000.948-0.0490.005
call22.506.0010.500.003.4450.000.000.821-0.1840.012
call25.003.507.800.002.7370.000.000.775-0.1650.014
call30.000.004.900.002.5490.000.000.564-0.1700.019
call35.000.004.300.053.17241.000.000.482-0.3340.019
call40.000.004.300.003.8500.000.000.436-0.4010.019
call45.000.000.950.002.3390.000.000.184-0.1650.013
call50.000.004.300.002.7130.000.000.166-0.1790.012
put17.500.004.300.002.2320.000.00-0.041-0.0520.004
put20.000.000.200.001.7680.000.00-0.051-0.0490.005
put22.500.004.300.002.6570.000.00-0.179-0.1830.012
put25.000.004.300.002.0570.000.00-0.225-0.1630.014
put30.000.001.501.450.8672.000.00-0.435-0.1690.019
put35.002.006.500.001.8220.000.00-0.517-0.3340.019
put40.007.0011.500.002.4530.000.00-0.563-0.4000.019
put45.0012.0016.500.002.9490.000.00-0.815-0.1630.013
put50.0017.0021.500.003.3610.000.00-0.833-0.1770.012

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-1013F-HRFurther understand that each of 13F-HR, 13F-NT, and amendments thereto are mandatory electronic filings (hardship exemption exists to submit in paper; never used to the knowledge of IM staff);2026-09-30SEC
2026-11-064Statement of changes in beneficial ownership of securities2026-11-04SEC
2026-11-0510-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-11-034Statement of changes in beneficial ownership of securities2026-10-30SEC
2026-10-304Statement of changes in beneficial ownership of securities2026-10-29SEC
2026-10-274Statement of changes in beneficial ownership of securities2026-10-23SEC
2026-10-168-KCurrent report2026-10-15SEC
2026-09-104Statement of changes in beneficial ownership of securities2026-09-08SEC
2026-08-24N-PXAnnual Report of Proxy Voting Record of Registered Management Investment Companies filed on Form N-PX2026-06-30SEC
2026-08-204Statement of changes in beneficial ownership of securities2026-08-18SEC
2026-08-184Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-184Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-184Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-184Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-184Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-184Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-184Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-184Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-184Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-184Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-184Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-08-17144Filing for proposed sale of securities under Rule 144.SEC
2026-08-1113F-HRFurther understand that each of 13F-HR, 13F-NT, and amendments thereto are mandatory electronic filings (hardship exemption exists to submit in paper; never used to the knowledge of IM staff);2026-06-30SEC
2026-08-0410-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-07-318-KCurrent report2026-07-28SEC
2026-07-274Statement of changes in beneficial ownership of securities2026-07-24SEC
2026-07-178-KCurrent report2026-07-16SEC
2026-06-154Statement of changes in beneficial ownership of securities2026-06-11SEC
2026-05-1113F-HRFurther understand that each of 13F-HR, 13F-NT, and amendments thereto are mandatory electronic filings (hardship exemption exists to submit in paper; never used to the knowledge of IM staff);2026-03-31SEC
2026-05-074Statement of changes in beneficial ownership of securities2026-05-06SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-10148.94K300
2026-090000
2026-08103.98K1524.25K1
2026-0724.42K100
2026-0633.18K100
2026-0521.22K100
2026-040000
2026-03481.42K1000
2026-02375.99K300
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
BlackRock, Inc.12.73%
VANGUARD PORTFOLIO MANAGEMENT LLC5.10%
STATE STREET CORP4.72%
VANGUARD CAPITAL MANAGEMENT LLC3.89%
Neuberger Berman Group LLC3.13%
GEODE CAPITAL MANAGEMENT, LLC2.72%
AQR CAPITAL MANAGEMENT LLC2.37%
KAYNE ANDERSON RUDNICK INVESTMENT MANAGEMENT LLC2.11%
DIMENSIONAL FUND ADVISORS LP2.03%
FULLER & THALER ASSET MANAGEMENT, INC.1.78%

Funds

Fund% owned
iShares Core S&P Mid-Cap ETF3.12%
River Canyon Total Return Bond Fund2.96%
VANGUARD TOTAL STOCK MARKET INDEX FUND2.70%
iShares Russell 2000 ETF2.41%
VANGUARD SMALL-CAP INDEX FUND1.95%
Neuberger Genesis Fund1.79%
FULLERTHALER BEHAVIORAL SMALL CAP EQUITY1.26%
VANGUARD SMALL-CAP VALUE INDEX FUND1.23%
VANGUARD EXTENDED MARKET INDEX FUND1.04%
Fidelity Small Cap Index Fund1.02%

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