Filing Flows › First Financial (THFF) › Q3 2026
First Financial (THFF) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 4, 2026
First Financial (THFF) reported revenue of $75.0M for the third quarter 2026 (Q3 2026), +14% from a year earlier and +4% from the quarter before. Operating margin was 45.9%, net earnings $27.4M (36.6% of revenue).
First Financial, Q3 2026: revenue $75.0M (+14% year over year), operating margin 45.9%, net earnings $27.4M, operating cash flow $36.0M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $75.0M | +4% | +14% |
| Operating profit | $34.4M | +23% | +34% |
| Net earnings | $27.4M | +21% | +32% |
| Operating cash flow | $36.0M | +99% | +34% |
| Free cash flow | $34.9M | +108% | +36% |
What changed
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.
Questions
What was First Financial's revenue in the third quarter 2026?
First Financial (THFF) reported revenue of $75.0M for the third quarter 2026 (Q3 2026), +14% from a year earlier and +4% from the quarter before.
Was First Financial profitable in the third quarter 2026?
Operating profit was $34.4M (45.9% of revenue) and net earnings $27.4M.
Source: First Financial 10-Q on SEC EDGAR.