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First Financial (THFF) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 4, 2026 · First Financial (THFF) Q3 2026 earnings results →
Q3 2026 Revenue up 14% year over year to $75.0M · 37¢ of every $1 of revenue kept as net profit · operating margin 45.9%
First Financial made $75.0M in Q3 2026 (+14% Y/Y): Net interest income $63.5M, Noninterest income $11.4M. Operating margin 45.9%, net earnings $27.4M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 4, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $75.0M in Q3 2026, up 14% year over year and up 4% from the previous quarter. Net interest income was the largest line at 85% of revenue. Net interest income added $8.9M year over year (up 16%), 97% of the total change.
Operating profit was $34.4M, a 45.9% margin (up 6.8 points year over year). Of the extra revenue versus a year earlier, 94% reached operating profit, above the 39% margin then. Total costs grew 1% against revenue growth of 14%. Net earnings were $27.4M, up 32% year over year. The effective tax rate was 20.3%.
Operating cash flow was $36.0M (up 34% year over year), 131% of net earnings. Non-cash charges added back $3.0M of depreciation and amortization. Working capital and other items added $5.6M. Capital expenditures of $1.1M left free cash flow of $34.9M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 4, 2026 | $75.0M | +14% | 45.9% | $27.4M | $36.0M |
Charts
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💵Where each $1 goesinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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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
A cautionary note about forward-looking statements: In its oral and written communication, First Financial Corporation from time to time includes forward-looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements can include statements about estimated cost savings, plans and objectives for future operations and expectations about performance, as well as economic and market conditions and trends. They often can be identified by the use of words such as “expect,” “may,” “could,” “intend,” “project,” “estimate,” “believe” or “anticipate” or words of similar import. By their nature, forward-looking statements are based on assumptions and are subject to risks, uncertainties and other factors. Actual results may differ materially from those contained in the forward-looking statement.
In its own words, from its 10-K, filed Mar 4, 2026.
First Financial against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +14% against the peers' median +12%. Operating margin: 45.9% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| THFF First Financial | Q3 2026 | $75.0M | +14% | 45.9% |
| 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 10-Q on SEC EDGAR · CIK 714562 · State Commercial Banks
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History
Every quarter: Q3 2026 results