NYSE$FFWM

First Foundation Inc · Q1 2024 earnings

Q1 2024 earnings · · Investor relations

Briefing

Net income of $793 thousand was reported, with earnings per share of $0.01. Maintained strong liquidity position and increased Total Risk-Based Capital.

First Foundation Inc. reported a challenging but resilient first quarter in 2024, marked by a net income of $793 thousand and earnings per share of $0.01. The company focused on cost control and operational optimization, leading to decreased non-interest expenses and a healthy increase in cash and cash equivalents. They also maintained a low ratio of nonperforming assets and an improving loan to deposit ratio.

  • Net income of $793 thousand, EPS of $0.01.
  • Loan to deposit ratio of 94.8% as of March 31, 2024.
  • Noninterest expense decreased to $50.6 million.
  • Total Risk-Based Capital increased to 12.49%.

Headline financials

Total Revenue

$51.1M

Previous: $70.5M-27.5%
EPS

$0.01

Previous: $0.15-93.3%
Net Interest Margin

1.2%

Previous: 1.8%-36.1%
Efficiency Ratio

98.4%

Previous: 84.5%+16.4%
Return on Average Assets

0.0%

Previous: 0.3%-92.3%
Return on Average Common Equity

0.3%

No prior period
Return on Average Tangible Common Equity

0.5%

No prior period
Loan to Deposit Ratio

94.8%

Previous: 106.1%-10.7%
Cost of Deposits

3.6%

Previous: 2.4%+52.5%
Nonperforming Assets to Total Assets

0.2%

No prior period
Total Risk-Based Capital Ratio

12.5%

No prior period
Allowance for Credit Losses to Loans Held for Investment

0.3%

No prior period
Net Charge-Off Ratio

0.0%

Previous: 0.1%-83.3%
Book Value Per Common Share

$16.43

No prior period
Tangible Book Value Per Common Share

$16.35

No prior period
Capital Expenditures

-$1.29M

Previous: -$2.49M+48.5%
Free Cash Flow

-$492K

Previous: $6M-108.2%
Net Income

$793K

Previous: $8.5M-90.7%
Operating Income

-$57.3M

Previous: -$19.6M-192.3%
Gross Profit

$50.5M

Previous: $70M-27.9%
Cash & Equivalents

$1.59B

Previous: $1.32B+20.6%
Total Assets

$13.6B

Previous: $13.6B-0.2%
Stock-Based Comp

$605K

Previous: $32K+1790.6%

Revenue & EPS history

First Foundation · Revenue · Quarterly

$51.1M

Q1 2024-27.5%vs Q1 2023
Beat estimate in 8 of 16 quarters(50%)
ActualEstimate

Revenue by segment

First Foundation · $58.2M total across 2 segments · Q2 2023

  • Banking
    $50.8M-43.2%
  • Wealth Management
    $7.42M-7.1%

Forward guidance

No specific forward guidance was provided in the earnings report.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 19 quarterly earnings reports · overlaid with Q1 2024

Historical avgQ1 2024

+0.1%

Avg return

Earnings day

-0.3%

Avg return

5 days after

+1.9%

Avg return

30 days after

55%

28 / 51 earnings

Positive

+22.0%

Q2 2023

Best reaction

-13.8%

Q1 2024

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026
Q4 2025+1.8%+8.8%-2.0%
Q3 2025-0.2%-1.9%-0.2%
Q2 2025+0.4%+4.5%+22.2%
Q1 2025+1.0%+6.8%+3.8%
Q4 2024-12.8%-18.2%-18.7%
Q3 2024-10.6%-13.6%+4.0%
Q2 2024+5.5%+3.3%+3.0%
Q1 2024-13.8%-22.3%-16.0%
Q4 2023-5.2%-6.1%-26.8%
Q3 2023+0.0%-7.2%+19.2%
Q2 2023+22.0%+23.6%+26.8%
Q1 2023+3.6%-20.9%-30.1%
Q4 2022-0.6%-1.3%-5.0%
Q3 2022-12.1%-10.3%-23.8%
Q2 2022+3.6%+3.0%+0.8%
Q1 2022-5.8%-6.1%-6.0%
Q4 2021+1.0%+1.4%+3.0%
Q3 2021-3.0%-1.4%+3.5%
Q2 2021+4.6%+6.5%+7.1%
Q1 2021-0.0%+0.2%+5.6%
Q4 2020-4.4%-5.5%+10.4%
Q3 2020-4.8%-2.4%+28.3%
Q2 2020+7.8%+8.0%+2.8%
Q1 2020+6.0%+21.6%+28.0%
Q4 2019+3.3%+1.9%-8.6%
Q3 2019+2.4%+1.4%+4.9%
Q2 2019+7.2%+8.6%+0.3%
Q1 2019+0.3%+4.3%-2.0%
Q4 2018+0.1%+1.0%+6.6%
Q3 2018+6.4%+12.1%+13.0%
Q2 2018-12.8%-15.3%-11.9%
Q1 2018-2.2%+0.3%+4.6%
Q4 2017+0.1%-3.6%-3.6%
Q3 2017+1.8%-1.8%-0.7%
Q2 2017+3.8%+2.4%-0.2%
Q1 2017+1.8%-0.1%+1.0%
Q4 2016+4.6%+7.0%+4.1%
Q3 2016+0.5%-1.3%+16.4%
Q2 2016+5.1%+2.0%+9.6%
Q1 2016-0.9%
Q4 2015+0.3%
Q3 2015+0.6%
Q2 2015-0.3%
Q1 2015-0.2%
Q1 2012-1.1%
Q4 2014-1.1%
Q2 2012-1.1%
Q4 2012-1.1%
Q3 2012-1.1%
Q3 2014+2.4%
Q3 2013+2.4%
Q2 2014
Q2 2013
Q1 2013
Q4 2013
Q1 2014

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