Filing Flows › First Financial Bankshares (FFIN) › Q3 2026 › vs Q3 2025
First Financial Bankshares (FFIN) Q3 2026 vs Q3 2025 (year over year)
First Financial Bankshares's revenue rose $12.9M (+8%) from $161M in Q3 2025 to $174M in Q3 2026. The biggest changes: Net interest income +$11.5M (+9%); Noninterest income +$1.4M (+4%). Operating margin 52.3% against 39.2% (+13.1 pts).
First Financial Bankshares, Q3 2026: revenue $174M (+8% year over year), operating margin 52.3%, net earnings $74.3M, operating cash flow $92.9M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 52.3% | 39.2% | +13.1 pts |
| Net margin | 42.7% | 32.4% | +10.3 pts |
| Free cash flow margin | 49.6% | 51.9% | -2.3 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $139M | $127M | $11.5M | +9% |
| Noninterest income | $35.6M | $34.3M | $1.4M | +4% |
| Revenue | $174M | $161M | $12.9M | +8% |
| Operating profit | $91.1M | $63.2M | $27.9M | +44% |
| Costs & expenses | $83.1M | $98.1M | −$15.0M | -15% |
| Pre-tax earnings | $91.1M | $63.2M | $27.9M | +44% |
| Credit loss provision | $2.0M | $24.4M | −$22.4M | -92% |
| Noninterest expense | $81.1M | $73.7M | $7.4M | +10% |
| Net earnings | $74.3M | $52.3M | $22.0M | +42% |
| Income tax | $16.7M | $10.9M | $5.9M | +54% |
| Depreciation & amortization | $3.5M | $3.9M | −$375K | -10% |
| Share-based compensation | $2.0M | $1.6M | $411K | +26% |
| Working capital & other | $13.1M | $28.7M | −$15.6M | -54% |
| Operating cash flow | $92.9M | $86.5M | $6.4M | +7% |
| Free cash flow (OCF − capex) | $86.3M | $83.7M | $2.6M | +3% |
| Capital expenditures | $6.6M | $2.8M | $3.8M | +136% |
Questions
How much did First Financial Bankshares's revenue grow year over year in Q3 2026?
First Financial Bankshares's revenue rose $12.9M (+8%) from $161M in Q3 2025 to $174M in Q3 2026.
What drove First Financial Bankshares's revenue change in Q3 2026?
Net interest income +$11.5M (+9%); Noninterest income +$1.4M (+4%).