NYSE$FFWM

First Foundation Inc · Q3 2022 earnings

Q3 2022 earnings · · Investor relations

Briefing

Reported third quarter 2022 results with net income of $29.0 million and EPS of $0.51.

First Foundation Inc. reported a decrease in net income to $29.0 million, with diluted earnings per share at $0.51 for Q3 2022. The company's revenue was $99.9 million. Despite a challenging economic environment, the company maintained strong credit quality and a net interest margin of 3.10%.

  • Third quarter net income of $29.0 million and earnings per share of $0.51.
  • Total revenues of $99.9 million in third quarter 2022.
  • Return on average assets of 0.98%.
  • Return on average tangible equity of 13.2%.

Headline financials

Total Revenue

$99.9M

Previous: $89.9M+11.1%
EPS (adj)

$0.51

Previous: $0.84-39.3%
Net Interest Margin

3.1%

Previous: 3.1%+1.0%
Efficiency Ratio

60.0%

Previous: 41.9%+43.2%
Return on Average Assets

1.0%

Previous: 1.9%-47.9%
Loan to Deposit Ratio

108.4%

Previous: 84.9%+27.7%
Cost of Deposits

0.6%

Previous: 0.1%+326.7%
Capital Expenditures

-$4.01M

Previous: -$2.56M-56.8%
Free Cash Flow

$25M

Previous: $34.7M-27.9%
Net Income

$29M

Previous: $37.2M-22.1%
Operating Income

$66.3M

Previous: $78.3M-15.3%
Gross Profit

$99.8M

Previous: $89.5M+11.6%
Cash & Equivalents

$318M

Previous: $783M-59.4%
Total Assets

$12.3B

Previous: $7.74B+59.4%
Stock-Based Comp

$733K

Previous: $573K+27.9%

Revenue & EPS history

First Foundation · Revenue · Quarterly

$99.9M

Q3 2022+11.1%vs Q3 2021
Beat estimate in 8 of 16 quarters(50%)
ActualEstimate

Revenue by segment

First Foundation · $102M total across 2 segments · Q3 2022

  • Banking
    $95.2M+15.5%
  • Wealth Management
    $6.45M-17.9%

Forward guidance

Strategic focus heading into the fourth quarter is centered around protecting the balance sheet, building liquidity, competitively pursing deposits, and the continued retention of valuable clients.

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 2022

Historical avgQ3 2022

+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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