Regional Banks Stocks Q4 Teardown: First Financial Bankshares (NASDAQ:FFIN) Vs The Rest
.May 17, 2026
Regional Banks Stocks Q4 Teardown: First Financial Bankshares (NASDAQ:FFIN) Vs The Rest
As the Q4 earnings season wraps, let’s dig into this quarter’s best and worst performers in the regional banks industry, including First Financial Bankshares (NASDAQ:FFIN) and its peers.
Regional banks, financial institutions operating within specific geographic areas, serve as intermediaries between local depositors and borrowers. They benefit from rising interest rates that improve net interest margins (the difference between loan yields and deposit costs), digital transformation reducing operational expenses, and local economic growth driving loan demand. However, these banks face headwinds from fintech competition, deposit outflows to higher-yielding alternatives, credit deterioration (increasing loan defaults) during economic slowdowns, and regulatory compliance costs. Recent concerns about regional bank stability following high-profile failures and significant commercial real estate exposure present additional challenges.
The 97 regional banks stocks we track reported a mixed Q4. As a group, revenues were in line with analysts’ consensus estimates.
While some regional banks stocks have fared somewhat better than others, they have collectively declined. On average, share prices are down 3.7% since the latest earnings results.
First Financial Bankshares (NASDAQ:FFIN)
With roots dating back to 1890 and a network spanning over 70 locations across the Lone Star State, First Financial Bankshares (NASDAQ:FFIN) is a Texas-focused regional bank providing commercial banking, trust services, and wealth management across numerous communities throughout the state.
First Financial Bankshares reported revenues of $168.4 million, up 12.5% year on year. This print exceeded analysts’ expectations by 0.9%. Overall, it was a satisfactory quarter for the company with a solid beat of analysts’ tangible book value per share estimates but a slight miss of analysts’ net interest income estimates.
First Financial Bankshares Total Revenue
The stock is down 4.4% since reporting and currently trades at $31.31.
With roots dating back to 1913 and a name derived from “United Missouri Bank,” UMB Financial (NASDAQ:UMBF) is a financial holding company that provides banking, asset management, and fund services to commercial, institutional, and individual customers.
UMB Financial reported revenues of $744.8 million, up 29.3% year on year, outperforming analysts’ expectations by 5.4%. The business had an exceptional quarter with a beat of analysts’ EPS and net interest income estimates.
UMB Financial Total Revenue
UMB Financial delivered the biggest analyst estimates beat among its peers. However, the results were likely priced into the stock as it’s traded sideways since reporting. Shares currently sit at $126.35.
Born from the ashes of a failed Florida thrift during the 2009 financial crisis, BankUnited (NYSE:BKU) is a regional bank that provides commercial lending, deposit services, and treasury solutions to businesses and consumers primarily in Florida and the New York metropolitan area.
BankUnited reported revenues of $273.8 million, up 6.1% year on year, falling short of analysts’ expectations by 5.1%. It was a disappointing quarter as it posted a significant miss of analysts’ revenue and net interest income estimates.
As expected, the stock is down 1.9% since the results and currently trades at $45.89.
Created through strategic mergers to serve the growing Texas business community, Stellar Bancorp (NYSE:STEL) is a Texas bank holding company that provides commercial banking services primarily to small and medium-sized businesses and professionals.
Stellar Bancorp reported revenues of $111.2 million, up 6% year on year. This result surpassed analysts’ expectations by 2.5%. It was a strong quarter as it also logged an impressive beat of analysts’ net interest income and revenue estimates.
The stock is down 3.4% since reporting and currently trades at $36.33.
Rooted in Maine’s coastal communities since 1875, Camden National (NASDAQ:CAC) is a regional bank holding company that provides banking, wealth management, and financial services to consumers and businesses throughout Maine and New Hampshire.
Camden National Bank reported revenues of $64.56 million, up 6.9% year on year. This print lagged analysts’ expectations by 1.9%. Overall, it was a slower quarter as it also logged a miss of analysts’ revenue and net interest income estimates.
The stock is down 5.7% since reporting and currently trades at $47.51.
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