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First Financial Bankshares (FFIN) guidance and outlook

First Financial Bankshares' 10-Q filed Nov 5, 2026 makes 8 forward-looking statements.

Guidance and outlook

Forward-looking statements, 10-Q filed Nov 5, 2026

• We deem a policy critical if (i) the accounting estimate requires us to make assumptions about matters that are highly uncertain at the time we make the accounting estimate; and (ii) different estimates that reasonably could have been used in the current period, or changes in the accounting estimate that are reasonably likely to occur from period to period, would have a material impact on the financial statements.
• The allowance for credit losses is the amount we determine as of a specific date to be appropriate to absorb current expected credit losses on existing loans.
• Since these correlations are based on competitive and market conditions, we anticipate that our future results will likely be different from the foregoing estimates, and such differences could be material.
• Many of these obligations and commitments are expected to expire without being drawn upon; therefore, the total commitment amounts do not necessarily represent future cash requirements affecting our liquidity position.
• In addition, we anticipate that future acquisitions of financial institutions, expansion of branch locations or offerings of new products could also place a demand on our cash resources.
• Available cash and cash equivalents at our parent company which totaled $171.4 million at September 30, 2026, investment securities which totaled $1.1 million at September 30, 2026 and mature over 3 to 4 years, available dividends from our subsidiaries which totaled $395.7 million at September 30, 2026, utilization of available lines of credit, and future debt or equity offerings are expected to be the source of…
• We anticipate that our recurring cash sources will continue to include dividends and management fees from our subsidiaries.
• Given our current capital position, projected earnings and asset growth rates, we do not anticipate any significant change in our current dividend policy.

First Financial Bankshares' latest quarter

Questions

What does First Financial Bankshares expect?

We deem a policy critical if (i) the accounting estimate requires us to make assumptions about matters that are highly uncertain at the time we make the accounting estimate; and (ii) different estimates that reasonably could have been used in the current period, or changes in the accounting estimate that are reasonably likely to occur from period to period, would have a material impact on the financial statements. The allowance for credit losses is the amount we determine as of a specific date to be appropriate to absorb current expected credit losses on existing loans. Since these correlation

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Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.