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First Financial Bankshares cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$86.3M in Q3 2026 · $328M over twelve months

Operating cash flow$92.9M
Capital spending−$6.6M
Free cash flow+$86.3M
Cash / net income1.3×

Analysis

In Q3 2026, First Financial Bankshares generated $92.9M of operating cash flow and spent $6.6M on capital projects, leaving free cash flow of $86.3M. That is $2.6M more than in Q3 2025 ($83.7M).

Over the twelve months to Sep 30, 2026, operating cash flow was $353M; the largest uses were other investing ($687M), dividends ($113M), capital spending ($25.2M); besides operations, cash came from other financing ($302M), shares issued ($2.1M); the cash balance fell by $176M.

Operating cash flow was $92.9M against net income of $74.3M — 1.3× profit, cash ran ahead of reported earnings. The largest differences: depreciation & amortization +$3.5M, other liabilities +$3.3M, stock-based pay +$2.0M.

Free cash flow

First Financial Bankshares: free cash flow by quarterFirst Financial Bankshares: free cash flow by quarter$79.7MQ4 2024$74.7MQ1 2025$58.7MQ2 2025$83.7MQ3 2025$68.9MQ4 2025$97.5MQ1 2026$75.2MQ2 2026$86.3MQ3 2026
Operating cash flow less capital spending.
First Financial Bankshares: operating cash flow against capital spendingFirst Financial Bankshares: operating cash flow against capital spendingOperating cash flowCapital spending$84.5M$4.8MQ4 2024$76.8M$2.1MQ1 2025$61.3M$2.6MQ2 2025$86.5M$2.8MQ3 2025$74.9M$6.0MQ4 2025$102M$4.1MQ1 2026$83.7M$8.5MQ2 2026$92.9M$6.6MQ3 2026
Latest (Q3 2026): Operating cash flow $92.9M, Capital spending $6.6M.

Capital allocation, year by year

First Financial Bankshares: where the cash came from (up) and went (down), by fiscal yearFirst Financial Bankshares: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingBuybacksDividendsFY2021: Operating cash flow $355MFY2021: Net borrowing $241MFY2021: Shares issued $4.0MFY2021: Capital spending −$19.2MFY2021: Dividends −$79.7M$600MFY2021FY2022: Operating cash flow $324MFY2022: Net borrowing −$28.6MFY2022: Shares issued $6.2MFY2022: Capital spending −$15.8MFY2022: Buybacks −$9.4MFY2022: Dividends −$91.3M$330MFY2022FY2023: Operating cash flow $285MFY2023: Net borrowing −$238MFY2023: Shares issued $2.1MFY2023: Capital spending −$17.3MFY2023: Buybacks −$2.7MFY2023: Dividends −$100M$287MFY2023FY2024: Operating cash flow $310MFY2024: Net borrowing −$207MFY2024: Shares issued $3.2MFY2024: Capital spending −$16.7MFY2024: Dividends −$103M$313MFY2024FY2025: Operating cash flow $299MFY2025: Net borrowing −$112MFY2025: Shares issued $3.4MFY2025: Capital spending −$13.4MFY2025: Dividends −$106M$303MFY2025
Over these 5 years operating cash flow totalled $1.6B; the largest uses were net borrowing ($587M) and dividends ($480M). Cash-flow statements as filed.

Where the cash came from and went

First Financial Bankshares: sources (+) and uses (−) of cash, Q3 2026First Financial Bankshares: sources (+) and uses (−) of cash, Q3 2026Other investing−$179MCash drawn (+) / kept (−)$106MOperating cash flow$92.9MDividends−$31.6MOther financing$28.2MNet borrowing (+) / repaid (−)−$10.5MCapital spending−$6.6MShares issued$838K
First Financial Bankshares: sources (+) and uses (−) of cash, TTM to Q3 2026First Financial Bankshares: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$687MOperating cash flow$353MOther financing$302MCash drawn (+) / kept (−)$176MDividends−$113MCapital spending−$25.2MNet borrowing (+) / repaid (−)−$7.7MShares issued$2.1M

From profit to cash

First Financial Bankshares: net income to operating cash flow, Q3 2026First Financial Bankshares: net income to operating cash flow, Q3 2026Net income$74.3MDepreciation & amortization$3.5MStock-based pay$2.0MGains on disposals$1KPrepaid and other assets$202KOther liabilities$3.3MOperating cash flow$92.9M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$92.9M−$6.6M−$31.6M−$10.5M$838K$106M$86.3M
Q2 2026$83.7M−$8.5M−$27.2M−$14.8M$317K$157M$75.2M
Q1 2026$102M−$4.1M−$27.2M$5.6M$456K$341M$97.5M
Q4 2025$74.9M−$6.0M−$27.3M$12.0M$462K−$427M$68.9M
Q3 2025$86.5M−$2.8M−$27.2M$2.4M$1.4M$57.6M$83.7M
Q2 2025$61.3M−$2.6M−$25.8M−$13.4M$675K$219M$58.7M
Q1 2025$76.8M−$2.1M−$25.8M−$113M$804K−$164M$74.7M
Q4 2024$84.5M−$4.8M−$25.7M$113M$773K−$180M$79.7M

First Financial Bankshares: income statement and cash flow

First Financial Bankshares, Q3 2026: revenue $174M (+8% year over year), operating margin 52.3%. The chart follows the revenue to costs, profit and cash.

First Financial Bankshares: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.