First Financial Bankshares(US:FFIN) ZACKSยท2025-10-23 22:15Core Insights - First Financial Bankshares (FFIN) reported quarterly earnings of $0.36 per share, missing the Zacks Consensus Estimate of $0.47 per share, and down from $0.39 per share a year ago [1][2] - The company posted revenues of $164.67 million for the quarter ended September 2025, exceeding the Zacks Consensus Estimate by 1.96% and up from $142.1 million year-over-year [3] - The stock has underperformed the market, losing about 10.8% since the beginning of the year compared to the S&P 500's gain of 13.9% [4] Earnings Performance - The earnings surprise for the recent quarter was -23.40%, while the previous quarter saw a positive surprise of +4.44% [2] - Over the last four quarters, First Financial has surpassed consensus EPS estimates two times and topped consensus revenue estimates four times [2][3] Future Outlook - The current consensus EPS estimate for the upcoming quarter is $0.47 on revenues of $163 million, and for the current fiscal year, it is $1.81 on revenues of $635.7 million [8] - The estimate revisions trend for First Financial was mixed ahead of the earnings release, resulting in a Zacks Rank 3 (Hold) for the stock, indicating expected performance in line with the market [7] Industry Context - The Banks - Southwest industry, to which First Financial belongs, is currently in the top 24% of over 250 Zacks industries, suggesting a favorable outlook compared to lower-ranked industries [9] - Another company in the same industry, Southside Bancshares (SBSI), is expected to report quarterly earnings of $0.72 per share, reflecting a year-over-year change of +5.9% [10]