Company Q1 Net Interest Margin Rises to 3.86%
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 4 days ago
0mins
Should l Buy FFIN?
Reports Q1 net interest margin 3.86% vs. 3.81% for 4Q25 and 3.74% for 1Q25. Tangible book value was $11.38 from $11.20 at previous quarter end. Common equity Tier 1 capital ratio was 20.23% in Q1 from 19.99% last quarter. "We are pleased to start 2026 with a strong increase in net income of 16.6 percent year over year, primarily due to our core balance sheet growth and decreased funding costs over the past year," said David Bailey, CEO. "While the current macro environment is uncertain with the ongoing Iran conflict, our Company remains financially strong, sound and secure as reflected in our strong capital levels, diversified core deposit base, and sound lending practices. We appreciate our associates who work hard every day to build new customer relationships while providing exceptional service".
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Analyst Views on FFIN
Wall Street analysts forecast FFIN stock price to rise
1 Analyst Rating
0 Buy
1 Hold
0 Sell
Hold
Current: 32.470
Low
36.00
Averages
36.00
High
36.00
Current: 32.470
Low
36.00
Averages
36.00
High
36.00
About FFIN
First Financial Bankshares, Inc. is a financial holding company. The Company, through its wholly owned subsidiary, First Financial Bank (the Bank), operates multiple banking regions with approximately 79 locations in Texas, including Abilene, Acton, Albany, Aledo, Alvarado, Beaumont, Boyd, Bridgeport, Brock, Bryan, Burleson, College Station, Cisco, Cleburne, Clyde, Conroe, Cut and Shoot, Decatur, Eastland and others. The Bank provides general commercial banking services, which include accepting and holding checking, savings and time deposits, making loans, offering automated teller machines (ATMs), drive-in and night deposit services, safe deposit facilities, remote deposit capture, Internet banking, mobile banking, payroll cards, funds transfer, and performing other customary commercial banking services. The Company also operates First Financial Trust and Asset Management Company, with nine locations and First Technology Services, Inc., a technology operating company.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
First Financial Bankshares Reports Q1 Profit Growth
- Profit Growth: First Financial Bankshares reported a Q1 profit of $71.54 million, an 18.5% increase from last year's $61.35 million, indicating a significant enhancement in the company's profitability and boosting investor confidence.
- Earnings Per Share Increase: EPS rose from $0.43 to $0.50, a 16.3% increase, reflecting the company's success in cost control and operational efficiency, further solidifying its market position.
- Revenue Growth: The company's revenue for the first quarter increased by 12% to $166.89 million from $149.02 million last year, demonstrating effective strategies in business expansion and customer acquisition.
- Optimistic Market Outlook: With economic recovery and rising interest rates, First Financial Bankshares' financial performance suggests future growth potential, likely attracting more investor interest in its stock performance.
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- Earnings Beat: First Financial Bankshares reported a Q1 GAAP EPS of $0.50, exceeding expectations by $0.03, which reflects the company's robust profitability and boosts investor confidence.
- Significant Revenue Growth: The bank's revenue reached $167 million, marking a 12.1% year-over-year increase and surpassing estimates by $0.69 million, indicating strong growth momentum in a competitive market.
- Increase in Credit Loss Allowance: As of March 31, 2026, the allowance for credit losses totaled $107.92 million, or 1.30% of loans held-for-investment, up from 1.29% at the end of 2025, demonstrating a cautious approach to potential credit risks.
- Stable Historical Performance: The historical earnings data and dividend scorecard for First Financial Bankshares highlight the company's exceptional financial management, showcasing resilience and a commitment to shareholder returns despite market challenges.
See More
First Financial Bankshares Reports Q1 2026 Earnings Results
- Net Income Growth: First Financial Bankshares reported a net income of $71.54 million for Q1 2026, reflecting a 16.6% year-over-year increase primarily driven by core balance sheet growth and reduced funding costs, thereby enhancing the company's financial stability and competitive position in the market.
- Interest Income Increase: The net interest income for the first quarter reached $134.79 million, up from $131.37 million in Q4 2025, indicating effective management and asset allocation strategies in a challenging interest rate environment.
- Credit Loss Provision Changes: The provision for credit losses was $2.29 million in Q1 2026, reversing from a provision reversal of $2.49 million in Q4 2025, demonstrating improvements in credit risk management and bolstering investor confidence.
- Asset and Liability Status: As of March 31, 2026, total assets stood at $15.39 billion, slightly down from $15.45 billion at the end of 2025, while total loans increased to $8.29 billion, showcasing the company's ongoing expansion in its lending operations.
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First Financial Bankshares Reports Q4 EPS of $0.51 on Revenue of $164.7M
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- Credit Risk Assessment: Analysts suggest that the credit misstep at First Financial Bankshares is likely a one-off event, providing investor confidence and indicating the company's potential in risk management.
- Upgrade Necessity: Market analysis indicates that First Financial Bankshares needs to lower its valuation to justify an upgrade, reflecting cautious investor sentiment regarding the company's future growth, which may impact its stock performance.
- Quant Rating Insight: Seeking Alpha's quant rating on First Financial Bankshares highlights market attention to its financial performance, although the current rating has not significantly improved, it still serves as a reference for investors.
See More
First Financial Bankshares Reports Q1 Profit Growth
- Profit Growth: First Financial Bankshares reported a Q1 profit of $71.54 million, an 18.5% increase from last year's $61.35 million, indicating a significant enhancement in the company's profitability and boosting investor confidence.
- Earnings Per Share Increase: EPS rose from $0.43 to $0.50, a 16.3% increase, reflecting the company's success in cost control and operational efficiency, further solidifying its market position.
- Revenue Growth: The company's revenue for the first quarter increased by 12% to $166.89 million from $149.02 million last year, demonstrating effective strategies in business expansion and customer acquisition.
- Optimistic Market Outlook: With economic recovery and rising interest rates, First Financial Bankshares' financial performance suggests future growth potential, likely attracting more investor interest in its stock performance.
See More
First Financial Bankshares Q1 Earnings Exceed Expectations
- Earnings Beat: First Financial Bankshares reported a Q1 GAAP EPS of $0.50, exceeding expectations by $0.03, which reflects the company's robust profitability and boosts investor confidence.
- Significant Revenue Growth: The bank's revenue reached $167 million, marking a 12.1% year-over-year increase and surpassing estimates by $0.69 million, indicating strong growth momentum in a competitive market.
- Increase in Credit Loss Allowance: As of March 31, 2026, the allowance for credit losses totaled $107.92 million, or 1.30% of loans held-for-investment, up from 1.29% at the end of 2025, demonstrating a cautious approach to potential credit risks.
- Stable Historical Performance: The historical earnings data and dividend scorecard for First Financial Bankshares highlight the company's exceptional financial management, showcasing resilience and a commitment to shareholder returns despite market challenges.
See More
First Financial Bankshares Reports Q1 2026 Earnings Results
- Net Income Growth: First Financial Bankshares reported a net income of $71.54 million for Q1 2026, reflecting a 16.6% year-over-year increase primarily driven by core balance sheet growth and reduced funding costs, thereby enhancing the company's financial stability and competitive position in the market.
- Interest Income Increase: The net interest income for the first quarter reached $134.79 million, up from $131.37 million in Q4 2025, indicating effective management and asset allocation strategies in a challenging interest rate environment.
- Credit Loss Provision Changes: The provision for credit losses was $2.29 million in Q1 2026, reversing from a provision reversal of $2.49 million in Q4 2025, demonstrating improvements in credit risk management and bolstering investor confidence.
- Asset and Liability Status: As of March 31, 2026, total assets stood at $15.39 billion, slightly down from $15.45 billion at the end of 2025, while total loans increased to $8.29 billion, showcasing the company's ongoing expansion in its lending operations.
See More
3 Stocks Where Insiders Are Investing Their Own Capital
Insider Stock Purchases: Insiders are buying stocks in 2026, indicating potential upside despite associated risks; the focus is on operational quality and profit capacity.
E.W. Scripps Company Activity: Significant insider buying at E.W. Scripps suggests confidence in the company's future, driven by efficiency improvements and AI integration, despite mixed analyst trends.
First Financial Bank Trends: First Financial Bank insiders have consistently bought shares over five quarters, indicating strong confidence in the company's dividend yield and growth potential.
Market Recommendations: Analysts recommend five specific stocks for investment, highlighting their potential for growth and advising clients to act before broader market trends catch up.
See More
Insider Purchases of FFIN and LEE Stocks
- FFIN Insider Purchase: Geoff Haney disclosed in an SEC filing that he bought 10,200 shares of FFIN at $33.18 each on Friday, totaling an investment of $338,436, indicating confidence in the company's future prospects.
- Market Price Fluctuation: Despite Haney's higher purchase price, FFIN traded as low as $31.68 on Tuesday, 4.5% below his purchase price, providing a more attractive entry point for bargain hunters.
- LEE Stock Acquisition: On Monday, David Henry Hoffmann purchased $314,784 worth of Lee Enterprises, acquiring 36,400 shares at $8.65 each, marking his first purchase in the past year and signaling optimism about LEE's future performance.
- LEE Market Performance: On Tuesday, LEE shares rose approximately 3.1%, reflecting a positive market reaction to Hoffmann's purchase, which may further stimulate investor interest in the stock.
See More
First Financial Bankshares Reports Q4 EPS of $0.51 on Revenue of $164.7M
- Earnings Highlights: First Financial Bankshares reported a Q4 GAAP EPS of $0.51 and revenue of $164.7 million, indicating stability in revenue growth despite facing market challenges.
- Credit Risk Assessment: Analysts suggest that the credit misstep at First Financial Bankshares is likely a one-off event, providing investor confidence and indicating the company's potential in risk management.
- Upgrade Necessity: Market analysis indicates that First Financial Bankshares needs to lower its valuation to justify an upgrade, reflecting cautious investor sentiment regarding the company's future growth, which may impact its stock performance.
- Quant Rating Insight: Seeking Alpha's quant rating on First Financial Bankshares highlights market attention to its financial performance, although the current rating has not significantly improved, it still serves as a reference for investors.
See More
