Compared to estimates, first financial (FFIN) Q3 earnings: A look at key metrics

First Financial Bankshares (FFIN Quick QuoteFFIN - Free Report) reported $177.77 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 8%. EPS of $0.52 for the same period compares to $0.36 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $178.93 million, representing a surprise of -0.65%. The company has not delivered EPS surprise, with the consensus EPS estimate being $0.52.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how First Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Net Interest Margin: 3.9% compared to the 3.9% average estimate based on three analysts.
• Efficiency ratio: 45.6% versus 44.8% estimated by three analysts on average.
• Net Interest Income: $138.51 million compared to the $140.24 million average estimate based on three analysts.
• Net Interest Income (FTE): $142.13 million compared to the $144.1 million average estimate based on three analysts.
• Total Noninterest Income: $35.64 million versus the three-analyst average estimate of $34.82 million.