Sep 30, 2020

First Financial Q3 2020 Earnings Report

Reported earnings increase of 22.69 percent compared to the third quarter of 2019.

Key Takeaways

First Financial Bankshares reported a strong third quarter of 2020, with earnings of $52.86 million, a 22.69% increase compared to $43.08 million in the third quarter of 2019. The company benefited from its 'TEXAS STRONG' initiative, which facilitated growth in loans, deposits, and trust assets, and was aided by the acquisition of TB&T Bancshares, Inc.

Earnings for the third quarter of 2020 were $52.86 million, up from $43.08 million in Q3 2019.

Basic and diluted earnings per share were $0.37 for Q3 2020, compared to $0.32 in Q3 2019.

Net interest income for the third quarter of 2020 was $89.21 million, an increase of $16.57 million from $72.64 million in Q3 2019.

Mortgage income increased to $15.23 million compared to $5.73 million in the third quarter of 2019 due to a significant increase in the volume of loans originated

Total Revenue
$128M
Previous year: $101M
+26.1%
EPS
$0.37
Previous year: $0.32
+15.6%
Net Interest Margin
3.75%
Previous year: 3.94%
-4.8%
Efficiency Ratio
42.45%
Previous year: 47.54%
-10.7%
Cash and Equivalents
$175M
Previous year: $199M
-12.0%
Total Assets
$10.6B
Previous year: $8.11B
+30.2%

First Financial

First Financial

First Financial Revenue by Segment

Forward Guidance

The Company is optimistic about finishing the year strong and rolling right into 2021.