Filing Flows › First Financial Bankshares (FFIN) › Q3 2026
First Financial Bankshares (FFIN) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 5, 2026
First Financial Bankshares (FFIN) reported revenue of $174M for the third quarter 2026 (Q3 2026), +8% from a year earlier and +0.8% from the quarter before. Operating margin was 52.3%, net earnings $74.3M (42.7% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $174M | +0.8% | +8% |
| Operating profit | $91.1M | +4% | +44% |
| Net earnings | $74.3M | +3% | +42% |
| Operating cash flow | $92.9M | +11% | +7% |
| Free cash flow | $86.3M | +15% | +3% |
What changed
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.
Questions
What was First Financial Bankshares' revenue in the third quarter 2026?
First Financial Bankshares (FFIN) reported revenue of $174M for the third quarter 2026 (Q3 2026), +8% from a year earlier and +0.8% from the quarter before.
Was First Financial Bankshares profitable in the third quarter 2026?
Operating profit was $91.1M (52.3% of revenue) and net earnings $74.3M.