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First Financial Bankshares (FFIN) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · First Financial Bankshares (FFIN) Q3 2026 earnings results →
Q3 2026 Revenue up 8% year over year to $174M · 43¢ of every $1 of revenue kept as net profit · operating margin 52.3%
First Financial Bankshares made $174M in Q3 2026 (+8% Y/Y): Net interest income $139M, Noninterest income $35.6M. Operating margin 52.3%, net earnings $74.3M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.
Drawing the Sankey…
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What changed this quarter
Revenue was $174.1M in Q3 2026, up 8% year over year and up 1% from the previous quarter. Net interest income was the largest line at 80% of revenue. Net interest income added $11.5M year over year (up 9%), 89% of the total change.
Operating profit was $91.1M, a 52.3% margin (up 13.1 points year over year). Of the extra revenue versus a year earlier, 217% reached operating profit, above the 39% margin then. Total costs fell 15% while revenue rose 8%. The fastest-growing cost line was Noninterest expense (+10%). Net earnings were $74.3M, up 42% year over year. The effective tax rate was 18.4%.
Operating cash flow was $92.9M (up 7% year over year), 125% of net earnings. Non-cash charges added back $3.5M of depreciation and amortization and $2.0M of share-based compensation. Working capital and other items added $13.1M. Capital expenditures of $6.6M left free cash flow of $86.3M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 5, 2026 | $174M | +8% | 52.3% | $74.3M | $92.9M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About First Financial Bankshares
Headquartered in Abilene, Texas, First Financial Bankshares, Inc. is a financial holding company that through its subsidiary, First Financial Bank, operates multiple banking regions with 79 locations in Texas, including Abilene, Acton, Albany, Aledo, Alvarado, Beaumont, Boyd, Bridgeport, Brock, Bryan, Burleson, College Station, Cisco, Cleburne, Clyde, Conroe, Cut and Shoot, Decatur, Eastland, El Campo, Fort Worth, Franklin, Fulshear, Glen Rose, Granbury, Grapevine, Hereford, Huntsville, Keller, Kingwood, Lumberton, Magnolia, Mauriceville, Merkel, Midlothian, Mineral Wells, Montgomery, Moran, New Waverly, Newton, Odessa, Orange, Palacios, Port Arthur, Ranger, Rising Star, Roby, San Angelo, Southlake, Spring, Stephenville, Sweetwater, Tomball, Trent, Trophy Club, Vidor, Waxahachie, Weatherford, Willis, and Willow Park.
In its own words, from its 8-K, filed Jul 17, 2026.
First Financial Bankshares against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +8% against the peers' median +10%. Operating margin: 52.3% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| FFIN First Financial Bankshares | Q3 2026 | $174M | +8% | 52.3% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: First Financial Bankshares 10-Q on SEC EDGAR · CIK 36029 · State Commercial Banks
Guidance and outlook
13F: who owns FFIN and who is buying
More on FFIN
History
Every quarter: Q3 2026 results