While the year-over-year improvement in earnings and net interest margin is positive, the sequential decline in earnings and EPS suggests potential headwinds. Traders should monitor the sustainability of margin expansion and loan growth trends in the next quarter, particularly as the company faces higher noninterest expenses.
Price Chart
Executive Summary
First Financial Bankshares (FFIN) reported first-quarter 2026 earnings of $71.54 million, up 16.6% year-over-year, driven by balance sheet growth and lower funding costs. Net interest income rose to $134.79 million and the net interest margin improved to 3.86%. However, earnings declined 2.4% from the prior quarter.
Key Facts
- Q1 2026 net income: $71.54 million (up 16.6% YoY, down 2.4% QoQ)
- Earnings per share: $0.50 (down from $0.51 in Q4 2025)
- Net interest income: $134.79 million (up from $118.79 million YoY)
- Net interest margin: 3.86% (up from 3.74% YoY)
- Loans grew to $8.29 billion (up 6.31% annualized from year-end 2025)
- Nonperforming assets decreased to 0.66% of loans and foreclosed assets
Financial Impact
Net income increased by $10.19 million year-over-year to $71.54 million, but decreased by $1.77 million from the prior quarter. Net interest income increased by $15.99 million year-over-year.
Risk Factors
- Sequential decline in net income and EPS from Q4 2025
- Noninterest expenses increased to $76.77 million from $70.34 million in the year-ago quarter
- Unrealized losses in the securities portfolio increased to $290.06 million
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 5 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001193125-26-161740 |
| Document: ffin-20260416.htm | 0001193125-26-161740 |
| Document: 0001193125-26-161740-index-headers.html | 0001193125-26-161740 |
| Document: 0001193125-26-161740-index.html | 0001193125-26-161740 |
| Document: 0001193125-26-161740.txt | 0001193125-26-161740 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 16, 2026 10d ago | 8-K | $29.94 | awaiting T+60 | — | $30.00 (+0.20%) |
Oct 15, 2026 11d ago | Press Release | $30.47 | awaiting T+60 | — | $30.00 (−1.54%) |
Aug 20, 2026 9w ago | Insider Cluster | $34.23 | awaiting T+60 | — | $30.00 (−12.36%) |
Aug 14, 2026 10w ago | Institutional Cluster | $35.28 | awaiting T+60 | — | $30.00 (−14.97%) |
Jul 31, 2026 12w ago | 8-K | $35.14 $30.00 | ▼ −14.63% | ▼ −17.08% | $30.00 (−14.63%) |
Jul 16, 2026 14w ago | Press Release | $35.32 $30.79 | ▲ +12.83% | ▲ +17.51% | $30.00 (+15.06%) |
Apr 30, 2026 25w ago | 8-K | $32.27 $34.44 | ▲ +6.72% | ▲ +3.62% | $30.00 (−7.03%) |
Apr 17, 2026 27w ago | 8-K | $32.64 $35.22 | ▲ +7.90% | ▲ +1.13% | $30.00 (−8.09%) |
Mar 6, 2026 33w ago | Insider Cluster | $29.89 $32.17 | ▲ +7.64% | ▼ −5.14% | $30.00 (+0.38%) |
Mar 6, 2026 33w ago | Insider Cluster | $29.89 $32.17 | ▲ +7.64% | ▼ −5.14% | $30.00 (+0.38%) |
US Market Status
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