NYSE$FFWM

First Foundation Inc · Q4 2024 earnings

Q4 2024 earnings · · Before market open · Investor relations

Briefing

First Foundation reported net loss for Q4 2024.

First Foundation Inc. reported a net loss of $14.1 million, or $0.17 per share (basic and diluted) for the fourth quarter of 2024. The company sold multifamily loans totaling approximately $489 million in principal balance. The results also include the recording of $20.1 million in additional provision for loan losses.

  • Sold approximately $489 million principal balance of multifamily loans held for sale at a price of 95.1, above initial and quarter-end fair-value pricing.
  • Recorded $20.1 million in provision for loan losses increasing the ratio of allowance for credit losses to total loans held for investment to 0.41%.
  • Welcomed Thomas C. Shafer as new CEO and Allen Parker as a new member of Board of Directors.
  • Net loss attributable to common shareholders was $14.1 million or net loss per share of $0.17 (basic and diluted) for the quarter.

Headline financials

Total Revenue

$64.7M

Previous: $56.4M+14.7%
EPS (adj)

-$0.17

Previous: $0.05-440.0%
Net Interest Margin

1.6%

Previous: 1.4%+16.2%
Efficiency Ratio

103.1%

Previous: 98.5%+4.7%
Return on Average Assets

-0.4%

No prior period
Return on Average Common Equity

-5.8%

No prior period
Return on Average Tangible Common Equity

-5.7%

No prior period
Loan to Deposit Ratio

93.5%

Previous: 95.2%-1.8%
Cost of Deposits

3.2%

No prior period
Nonperforming Assets to Total Assets

0.4%

Previous: 0.1%+146.7%
Total Risk-Based Capital Ratio

13.3%

Previous: 12.3%+8.7%
Allowance for Credit Losses to Loans Held for Investment

0.4%

No prior period
Net Charge-Off Ratio

0.7%

No prior period
Book Value Per Common Share

$12.79

No prior period
Tangible Book Value Per Common Share

$11.68

No prior period
Tangible Book Value Per Common Share (Adjusted)

$9.36

No prior period
Noninterest Expense to Average Total Assets

2.0%

No prior period
Net Income

-$14.1M

Previous: $2.55M-653.8%
Operating Income

-$23M

Previous: $248K-9357.7%

Revenue & EPS history

First Foundation · Revenue · Quarterly

$64.7M

Q4 2024+14.7%vs Q4 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

Company is focused on selling the remainder of the held-for-sale portfolio this year. These transactions are supporting our goals of reducing our CRE exposure, improving our funding risk profile, and freeing up capacity to further develop other lines of business.

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 Q4 2024

Historical avgQ4 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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