NYSE$FFWM

First Foundation Inc · Q2 2024 earnings

Q2 2024 earnings · · Investor relations

Briefing

Net income of $3.1 million and total revenue of $57.5 million were reported.

First Foundation Inc. reported improved financial performance in Q2 2024, with positive growth in net interest income, return on average assets, and earnings per share. The company also completed a $228 million strategic capital investment.

  • Net income of $3.1 million, or $0.05 per share.
  • Total revenue of $57.5 million.
  • Tangible book value per share of $16.43.
  • Loan to deposit ratio of 93.8% as of June 30, 2024.

Headline financials

Total Revenue

$57.5M

Previous: $61.1M-5.9%
EPS

$0.05

Previous: $0.07-28.6%
Net Interest Margin

1.4%

Previous: 1.5%-9.9%
Efficiency Ratio

96.1%

Previous: 92.5%+3.9%
Return on Average Assets

0.1%

No prior period
Loan to Deposit Ratio

93.8%

Previous: 97.9%-4.2%
Nonperforming Assets to Total Assets

0.2%

No prior period
Net Charge-Off Ratio

0.0%

No prior period
Capital Expenditures

-$1.54M

Previous: -$2.6M+41.0%
Free Cash Flow

$1.55M

Previous: -$215M+100.7%
Net Income

$3.09M

Previous: -$212M+101.5%
Operating Income

-$278M

Previous: $5.73M-4962.8%
Gross Profit

$56.7M

Previous: $60.2M-5.8%
Cash & Equivalents

$1.42B

Previous: $926M+53.5%
Total Assets

$13.7B

Previous: $12.8B+6.8%
Stock-Based Comp

$452K

Previous: $518K-12.7%

Revenue & EPS history

First Foundation · Revenue · Quarterly

$57.5M

Q2 2024-5.9%vs Q2 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 forward guidance provided in the document.

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 Q2 2024

Historical avgQ2 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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