First Financial Bankshares Inc (FFIN) Financials
Key financial figures for First Financial Bankshares Inc (Q3 2026).
Net income of $74.31 million ($0.52 diluted EPS), which the CEO called a record, as the net interest margin edged up to 3.91% and the provision fell to $2.03 million from $24.44 million a year ago. Net income was $74.31 million, up from $52.27 million in Q3 2025 (calculated +42.2%) and $71.89 million in Q2 2026; diluted EPS was $0.52 versus $0.36 a year ago and $0.50 in the prior quarter. The year-ago quarter carried a $24.44 million provision tied to a large loan charged off for borrower fraud, so the year-over-year jump overstates underlying growth. Net interest income rose to $138.51 million from $127.00 million a year ago (calculated +9.1%) and $136.91 million in Q2; the tax-equivalent net interest margin was 3.91%, against 3.80% in Q3 2025 and 3.90% in Q2 2026. Figures are for Q3 2026, as First Financial Bankshares reported them.
- Revenue
- $225M
- Net Income
- $74M
- EPS
- $0.52
- Total Assets
- $15.2B
- Operating Cash Flow
- $93M
Recent quarters
| Period | Revenue | Net Income | EPS | Operating Margin | Free Cash Flow |
|---|---|---|---|---|---|
| Q3 FY2026 | $225M | $74M | $0.52 | $86M | |
| Q2 FY2026 | $222M | $72M | $0.50 | $75M | |
| Q1 FY2026 | $215M | $72M | $0.50 | $98M | |
| Q4 FY2025 | $216M | $73M | $0.51 | $73M | |
| Q3 FY2025 | $210M | $52M | $0.36 | $77M |
Recent fiscal years
| Period | Revenue | Net Income | EPS | Operating Margin | Free Cash Flow |
|---|---|---|---|---|---|
| FY2025 | $826M | $254M | $1.77 | $307M | |
| FY2024 | $739M | $224M | $1.56 | $293M | |
| FY2023 | $622M | $199M | $1.39 | $268M |
Frequently asked questions
What was First Financial Bankshares's revenue last quarter?
First Financial Bankshares reported revenue of $224.7 million for Q3 FY2026, up 6.9% from the same period a year earlier.
Is First Financial Bankshares profitable?
Yes. First Financial Bankshares reported net income of $74.3 million for Q3 FY2026, a net margin of 33.07% on revenue.
How much free cash flow did First Financial Bankshares generate?
First Financial Bankshares generated free cash flow of $86.3 million in Q3 FY2026, after capital expenditure.
Full income statement, balance sheet and cash flow for First Financial Bankshares Inc on SentiSense, with up to forty quarters and twenty fiscal years of history.