Jun 30, 2024

First Financial Q2 2024 Earnings Report

Reported earnings for the second quarter of 2024, showing an increase compared to the previous year.

Key Takeaways

First Financial Bankshares reported earnings of $52.49 million for the second quarter of 2024, an increase from $50.87 million for the same quarter a year ago. The results were driven by strong loan growth and net interest margin expansion, leading to increased net interest income.

Earnings increased to $52.49 million for the second quarter of 2024.

Basic and diluted earnings per share were $0.37 for the second quarter of 2024.

Net interest income increased to $103.27 million for the second quarter of 2024.

Net interest margin increased to 3.48 percent for the second quarter of 2024.

Total Revenue
$135M
Previous year: $126M
+6.9%
EPS
$0.37
Previous year: $0.36
+2.8%
Net Interest Margin
3.48%
Previous year: 3.29%
+5.8%
Efficiency Ratio
47.41%
Previous year: 44.74%
+6.0%
Cash and Equivalents
$369M
Previous year: $279M
+32.5%
Total Assets
$13.2B
Previous year: $12.8B
+2.6%

First Financial

First Financial

First Financial Revenue by Segment

Forward Guidance

The outlook is positive for the remainder of the year as the company looks to continue to remix assets as cash flows from maturing securities are invested in loans and execute strategies to grow deposits in our markets.

Positive Outlook

  • Continue to remix our assets
  • Cash flows from maturing securities are invested in loans
  • Execute strategies to grow deposits in our markets
  • Strong loan growth
  • Net interest margin expansion