Filing Flows › First Financial Bankshares (FFIN) › How it makes money
How First Financial Bankshares (FFIN) makes money
First Financial Bankshares (FFIN) made $174M of revenue in the third quarter 2026 (Q3 2026), +8% from a year earlier. Net interest income brought in $139M (80%); Noninterest income brought in $35.6M (20%). Of every dollar of revenue, 52¢ was left as operating profit, 43¢ was left as net earnings.
Drawing the Sankey…
Revenue by segment, Q3 2026
| Segment | Revenue | Share | Q/Q | Y/Y |
|---|---|---|---|---|
| Net interest income | $139M | 79.5% | +1% | +9% |
| Noninterest income | $35.6M | 20.5% | -0.6% | +4% |
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $174M | 100.0% |
| Operating profit | $91.1M | 52.3% |
| Income tax | $16.7M | 9.6% |
| Net earnings | $74.3M | 42.7% |
| Operating cash flow | $92.9M | 53.4% |
| Free cash flow | $86.3M | 49.6% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $174M | +8% |
From First Financial Bankshares' 10-Q filed Nov 5, 2026 (on EDGAR).
Questions
How does First Financial Bankshares make money?
First Financial Bankshares (FFIN) made $174M of revenue in the third quarter 2026 (Q3 2026), +8% from a year earlier. Net interest income brought in $139M (80%); Noninterest income brought in $35.6M (20%). Of every dollar of revenue, 52¢ was left as operating profit, 43¢ was left as net earnings.
What is First Financial Bankshares' biggest business?
Net interest income: $139M in the third quarter 2026, 80% of revenue, +9% from a year earlier.
What is First Financial Bankshares' profit margin?
Net earnings were $74.3M, 42.7% of revenue, in the third quarter 2026; the operating margin was 52.3%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.