First Financial Bankshares (FFIN) Operating Margin: History & Chart

First Financial Bankshares, Inc.(FFIN)

Banks - Regional · Abilene, TX

$31.92-0.11 (-0.34%)

Delayed quote: Oct 6, 2026, 4:00 PM EDT

About First Financial Bankshares, Inc.

First Financial Bankshares, Inc. (FFIN) is a financial institution that delivers a broad array of commercial banking and financial services throughout Texas via its network of subsidiaries. Its core offerings include various deposit solutions, such as checking, savings, money market, and time deposit accounts. The company provides diverse lending options, extending credit for commercial and industrial ventures, municipal projects, agriculture, construction and development, and farm operations. It also finances both owner-occupied and non-owner-occupied commercial real estate, residential properties, and consumer needs, including vehicle and other personal loans. These services primarily cater to businesses, professional clients, and agricultural enterprises. The institution also equips its customers with contemporary banking conveniences like internet and mobile banking, remote deposit capture, payroll cards, and funds transfer capabilities. Traditional amenities such as drive-in and night deposit services, automated teller machines (ATMs), and secure safe deposit facilities are also part of its comprehensive service suite. Beyond conventional banking, First Financial Bankshares offers robust personal trust services. These encompass wealth management, estate administration, and the management of various trust structures, including testamentary, revocable, irrevocable, and agency accounts. Additionally, the company provides securities brokerage and manages a range of retirement and employee benefit plans, such as 401(k) profit-sharing plans and Individual Retirement Accounts (IRAs). Its service portfolio is further enhanced by asset management and technology services. As of December 31, 2021, FFIN operated 78 financial centers strategically located across Texas. The company, established in 1890, maintains its corporate headquarters in Abilene, Texas.

Abilene, TX

1,550 employees

www.ffin.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: David W. Bailey

View full financials

FFIN Operating Margin Metrics

OPERATING MARGIN

38.00%

OPERATING MARGIN AVG TTM

38.30%

OPERATING MARGIN AVG 3Y

37.69%

OPERATING MARGIN AVG 5Y

42.75%

OPERATING MARGIN AVG 10Y

44.78%

OPERATING MARGIN AVG 15Y

45.41%

OPERATING MARGIN AVG 20Y

42.83%

CURRENT VS TTM AVG

-0.77%

CURRENT VS 3Y AVG

+0.81%

CURRENT VS 5Y AVG

-11.11%

CURRENT VS 10Y AVG

-15.15%

CURRENT VS 15Y AVG

-16.32%

CURRENT VS 20Y AVG

-11.27%

SECTOR MEDIAN · FINANCIAL SERVICES

16.09%

median of 716 covered companies

CURRENT VS SECTOR MEDIAN

+136.17%

vs the sector median at left

NAME	MARKET CAP	OPERATING MARGIN	TTM	3Y	5Y
First Financial Bankshares, Inc. (FFIN)	$4.57B	38.00%	38.30%	37.69%	42.75%
Fulton Financial Corporation (FULTP)vs ›	$4.59B	25.73%	22.41%	24.96%	25.69%
TFS Financial Corporation (TFSL)vs ›	$4.65B	14.86%	13.85%	15.92%	17.65%
Hamilton Lane Incorporated (HLNE)vs ›	$4.80B	43.62%	43.61%	44.25%	44.78%
JPMorgan U.S. Tech Leaders ETF (JTEK)vs ›	$4.80B	N/A	N/A	N/A	N/A
International Bancshares Corporation (IBOC)vs ›	$4.29B	49.20%	49.09%	51.45%	49.07%
Fulton Financial Corporation (FULT)vs ›	$4.28B	25.73%	22.41%	24.96%	25.69%
Bank OZK (OZK)vs ›	$4.87B	32.35%	33.44%	39.41%	42.18%
Eastern Bankshares, Inc. (EBC)vs ›	$4.90B	9.41%	11.98%	9.09%	12.69%
SLM Corporation (SLM)vs ›	$4.25B	32.02%	29.33%	28.18%	37.66%

NAME

MARKET CAP

OPERATING MARGIN

TTM

First Financial Bankshares, Inc. (FFIN)

$4.57B

38.00%

38.30%

37.69%

42.75%

Fulton Financial Corporation (FULTP)vs ›

$4.59B

25.73%

22.41%

24.96%

25.69%

TFS Financial Corporation (TFSL)vs ›

$4.65B

14.86%

13.85%

15.92%

17.65%

Hamilton Lane Incorporated (HLNE)vs ›

$4.80B

43.62%

43.61%

44.25%

44.78%

JPMorgan U.S. Tech Leaders ETF (JTEK)vs ›

$4.80B

N/A

International Bancshares Corporation (IBOC)vs ›

$4.29B

49.20%

49.09%

51.45%

49.07%

Fulton Financial Corporation (FULT)vs ›

$4.28B

25.73%

22.41%

24.96%

25.69%

Bank OZK (OZK)vs ›

$4.87B

32.35%

33.44%

39.41%

42.18%

Eastern Bankshares, Inc. (EBC)vs ›

$4.90B

9.41%

11.98%

9.09%

12.69%

SLM Corporation (SLM)vs ›

$4.25B

32.02%

29.33%

28.18%

37.66%

Operating Margin FAQ

What is the operating margin for First Financial Bankshares, Inc. (FFIN)?

The operating margin for FFIN stock is 38.00%.

Is First Financial Bankshares, Inc.'s operating margin high or low?

The operating margin of 38.00% is 11% below its 5-year average of 42.75%, around the middle of its 5-year range (30.05%–54.41%).

What is the TTM average operating margin for First Financial Bankshares, Inc. (FFIN)?

The TTM average operating margin for FFIN stock is 38.30%.

What is the 3Y average operating margin for First Financial Bankshares, Inc. (FFIN)?

The 3Y average operating margin for FFIN stock is 37.69%.

What is the 5Y average operating margin for First Financial Bankshares, Inc. (FFIN)?

The 5Y average operating margin for FFIN stock is 42.75%.

What is the 10Y average operating margin for First Financial Bankshares, Inc. (FFIN)?

The 10Y average operating margin for FFIN stock is 44.78%.

What is the 15Y average operating margin for First Financial Bankshares, Inc. (FFIN)?

The 15Y average operating margin for FFIN stock is 45.41%.

What is the 20Y average operating margin for First Financial Bankshares, Inc. (FFIN)?

The 20Y average operating margin for FFIN stock is 42.83%.

DATE	OPERATING MARGIN
2026-06-30	39.44%
2026-03-31	40.84%
2025-12-31	41.42%
2025-09-30	30.05%
2025-06-30	39.74%
2025-03-31	38.81%
2024-12-31	39.31%
2024-09-30	35.51%
2024-06-30	35.07%
2024-03-31	36.95%
2023-12-31	34.84%
2023-09-30	37.77%
2023-06-30	40.27%
2023-03-31	43.98%
2022-12-31	48.30%
2022-09-30	50.88%
2022-06-30	53.32%
2022-03-31	51.54%
2021-12-31	51.77%
2021-09-30	53.57%
2021-06-30	54.41%
2021-03-31	55.50%
2020-12-31	56.41%
2020-09-30	49.80%
2020-06-30	50.79%
2020-03-31	39.13%
2019-12-31	46.58%
2019-09-30	48.79%
2019-06-30	48.30%
2019-03-31	46.18%
2018-12-31	45.72%
2018-09-30	48.21%
2018-06-30	47.13%
2018-03-31	44.71%
2017-12-31	45.04%
2017-09-30	45.59%
2017-06-30	44.65%
2017-03-31	43.77%
2016-12-31	44.18%
2016-09-30	42.28%
2016-06-30	45.52%
2016-03-31	43.87%
2015-12-31	42.80%
2015-09-30	44.70%
2015-06-30	48.16%
2015-03-31	48.11%
2014-12-31	45.29%
2014-09-30	47.94%
2014-06-30	44.23%
2014-03-31	46.80%
2013-12-31	45.65%
2013-09-30	41.42%
2013-06-30	46.24%
2013-03-25	47.62%
2012-12-31	50.42%
2012-09-30	49.08%
2012-06-30	47.41%
2012-03-31	46.07%
2011-12-31	44.61%
2011-09-30	45.39%
2011-06-30	42.69%
2011-03-31	41.62%
2010-12-31	40.01%
2010-09-30	40.14%
2010-06-30	38.50%
2010-03-31	38.79%
2009-12-31	34.17%
2009-09-30	37.87%
2009-06-30	37.65%
2009-03-31	38.67%
2008-12-31	35.21%
2008-09-30	36.00%
2008-06-30	36.31%
2008-03-31	34.06%
2007-12-31	31.39%
2007-09-30	31.67%
2007-06-30	33.92%
2007-03-31	31.03%
2006-12-31	32.24%
2006-09-30	32.00%
2006-06-30	33.13%
2006-03-31	34.01%
2005-12-31	34.18%
2005-09-30	36.27%
2005-06-30	36.93%
2005-03-31	41.20%
2004-12-31	38.86%
2004-09-30	39.17%
2004-06-30	38.57%
2004-03-31	41.93%
2003-12-31	37.40%
2003-09-30	40.01%
2003-06-30	39.61%
2003-03-31	37.27%
2002-12-31	36.50%
2002-09-30	36.84%

DATE

OPERATING MARGIN

2026-06-30

39.44%

2026-03-31

40.84%

2025-12-31

41.42%

2025-09-30

30.05%

2025-06-30

39.74%

2025-03-31

38.81%

2024-12-31

39.31%

2024-09-30

35.51%

2024-06-30

35.07%

2024-03-31

36.95%

2023-12-31

34.84%

2023-09-30

37.77%

2023-06-30

40.27%

2023-03-31

43.98%

2022-12-31

48.30%

2022-09-30

50.88%

2022-06-30

53.32%

2022-03-31

51.54%

2021-12-31

51.77%

2021-09-30

53.57%

2021-06-30

54.41%

2021-03-31

55.50%

2020-12-31

56.41%

2020-09-30

49.80%

2020-06-30

50.79%

2020-03-31

39.13%

2019-12-31

46.58%

2019-09-30

48.79%

2019-06-30

48.30%

2019-03-31

46.18%

2018-12-31

45.72%

2018-09-30

48.21%

2018-06-30

47.13%

2018-03-31

44.71%

2017-12-31

45.04%

2017-09-30

45.59%

2017-06-30

44.65%

2017-03-31

43.77%

2016-12-31

44.18%

2016-09-30

42.28%

2016-06-30

45.52%

2016-03-31

43.87%

2015-12-31

42.80%

2015-09-30

44.70%

2015-06-30

48.16%

2015-03-31

48.11%

2014-12-31

45.29%

2014-09-30

47.94%

2014-06-30

44.23%

2014-03-31

46.80%

2013-12-31

45.65%

2013-09-30

41.42%

2013-06-30

46.24%

2013-03-25

47.62%

2012-12-31

50.42%

2012-09-30

49.08%

2012-06-30

47.41%

2012-03-31

46.07%

2011-12-31

44.61%

2011-09-30

45.39%

2011-06-30

42.69%

2011-03-31

41.62%

2010-12-31

40.01%

2010-09-30

40.14%

2010-06-30

38.50%

2010-03-31

38.79%

2009-12-31

34.17%

2009-09-30

37.87%

2009-06-30

37.65%

2009-03-31

38.67%

2008-12-31

35.21%

2008-09-30

36.00%

2008-06-30

36.31%

2008-03-31

34.06%

2007-12-31

31.39%

2007-09-30

31.67%

2007-06-30

33.92%

2007-03-31

31.03%

2006-12-31

32.24%

2006-09-30

32.00%

2006-06-30

33.13%

2006-03-31

34.01%

2005-12-31

34.18%

2005-09-30

36.27%

2005-06-30

36.93%

2005-03-31

41.20%

2004-12-31

38.86%

2004-09-30

39.17%

2004-06-30

38.57%

2004-03-31

41.93%

2003-12-31

37.40%

2003-09-30

40.01%

2003-06-30

39.61%

2003-03-31

37.27%

2002-12-31

36.50%

2002-09-30

36.84%

Operating Margin: 38.00%

FFIN Operating Margin

FFIN Average Operating Margin Chart

FFIN Current vs Average Operating Margin Chart

FFIN Operating Margin Metrics

FFIN Competitors' Operating Margin

Operating Efficiency

Operating Margin Formula & Definition

Operating Margin FAQ

FFIN Operating Margin History

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