Overview

* First Financial Q3 earnings decline due to $21.55 mln credit loss from fraud

* Net interest income for Q3 2025 grows to $127 mln, up from last year

* Company's noninterest income rises to $34.26 mln in Q3 2025

Outlook

* Company did not provide specific guidance for future quarters or full year in press release

Result Drivers

* CREDIT LOSS IMPACT - Q3 earnings affected by $21.55 mln credit loss due to fraud, considered an isolated incident

* NET INTEREST INCOME GROWTH - Net interest income increased to $127 mln, driven by higher interest-earning assets

* NONINTEREST INCOME INCREASE - Rise in noninterest income attributed to higher mortgage and trust fee income

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

Q3 EPS $0.36

Q3 Net $127 mln

Interest

Income

Q3 -$105.96

Credit mln

Loss

Provisio

n

Q3 Net 3.80%

Interest

Margin

Analyst Coverage

* The current average analyst rating on the shares is "hold" and the breakdown of recommendations is no "strong buy" or "buy", 5 "hold" and no "sell" or "strong sell"

* The average consensus recommendation for the banks peer group is "buy."

* Wall Street's median 12-month price target for First Financial Bankshares Inc ( FFIN ) is $39.00, about 17.5% above its October 21 closing price of $32.17

* The stock recently traded at 17 times the next 12-month earnings vs. a P/E of 20 three months ago

Press Release:

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)