NYSE$FFWM

First Foundation Inc · Q3 2021 earnings

Q3 2021 earnings · · Investor relations

Briefing

Reported strong third quarter results with increased revenue and net income

First Foundation Inc. reported a strong third quarter in 2021, with net income reaching $37.2 million, or $0.83 per diluted share, and total revenues of $89.9 million. The company saw improvements in key financial metrics such as return on average assets and tangible equity, coupled with strategic investments and expansion into new markets.

  • Net income for the third quarter reached $37.2 million, translating to earnings per share of $0.83.
  • Total revenues for the third quarter amounted to $89.9 million.
  • Return on average assets stood at 1.88%.
  • Return on average tangible equity was 22.9%.

Headline financials

Total Revenue

$89.9M

Previous: $75.3M+19.4%
EPS (adj)

$0.84

Previous: $0.69+21.7%
Net Interest Margin

3.1%

No prior period
Efficiency Ratio

41.9%

No prior period
Return on Average Assets

1.9%

No prior period
Return on Average Tangible Common Equity

22.9%

No prior period
Loan to Deposit Ratio

84.9%

No prior period
Cost of Deposits

0.1%

No prior period
Capital Expenditures

-$2.56M

Previous: -$2.28M-12.3%
Free Cash Flow

$34.7M

Previous: $28.7M+21.0%
Net Income

$37.2M

Previous: $30.9M+20.3%
Operating Income

$78.3M

Previous: $54.3M+44.2%
Gross Profit

$89.5M

Previous: $73.7M+21.4%
Cash & Equivalents

$783M

Previous: $283M+176.8%
Total Assets

$7.74B

Previous: $6.48B+19.3%
Stock-Based Comp

$573K

Previous: $465K+23.2%

Revenue & EPS history

First Foundation · Revenue · Quarterly

$89.9M

Q3 2021+19.4%vs Q3 2020
Beat estimate in 14 of 16 quarters(88%)
ActualEstimate

Revenue by segment

First Foundation · $90.3M total across 2 segments · Q3 2021

  • Banking
    $82.4M
  • Wealth Management
    $7.86M

Forward guidance

Acquisition of TGR Financial is anticipated to close in 4Q21 and core systems conversions in 2Q22.

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 Q3 2021

Historical avgQ3 2021

+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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