NYSE$FFWM

First Foundation Inc · Q4 2025 earnings

Q4 2025 earnings · · Before market open · Investor relations

Briefing

First Foundation reported Q4 2025, revenue of $48.4M, net income of $5.2M, diluted EPS of $0.12.

For Q4 2025, First Foundation reported revenue of $48.4M, net income of $5.2M, diluted EPS was $0.12. Management discusses segment performance, capital allocation, and outlook in the earnings release.

  • Revenue $48.4M.
  • Net income $5.2M.
  • Diluted EPS $0.12.

Headline financials

Total Revenue

$48.4M

Previous: $64.7M-25.2%
EPS (adj)

$0.12

Previous: -$0.17+170.6%
Net Interest Margin

1.4%

Previous: 1.6%-13.9%
Efficiency Ratio

116.9%

Previous: 103.1%+13.4%
Return on Average Assets

-0.3%

Previous: -0.4%+35.7%
Return on Average Common Equity

-3.9%

Previous: -5.8%+32.8%
Return on Average Tangible Common Equity

-1.7%

Previous: -5.7%+70.2%
Loan to Deposit Ratio

75.3%

Previous: 93.5%-19.5%
Cost of Deposits

3.0%

Previous: 3.2%-5.0%
Nonperforming Assets to Total Assets

0.4%

Previous: 0.4%+0.0%
Total Risk-Based Capital Ratio

15.5%

Previous: 13.3%+16.3%
Allowance for Credit Losses to Loans Held for Investment

1.4%

Previous: 0.4%+239.0%
Net Charge-Off Ratio

0.0%

Previous: 0.7%-98.6%
Book Value Per Common Share

$11.01

Previous: $12.79-13.9%
Tangible Book Value Per Common Share

$9.93

Previous: $11.68-15.0%
Tangible Book Value Per Common Share (Adjusted)

$8.10

Previous: $9.36-13.5%
Total Liquidity

$5.1B

No prior period
Liquidity to Uninsured and Uncollateralized Deposits Ratio

3.99

No prior period
Noninterest Expense to Average Total Assets

2.1%

Previous: 2.0%+4.0%
Net Income

$5.2M

Previous: -$14.1M+136.9%
Operating Income

$1.09M

Previous: -$23M+104.8%

Revenue & EPS history

First Foundation · Revenue · Quarterly

$48.4M

Q4 2025-25.2%vs Q4 2024
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

The release discusses First Foundation's outlook for upcoming periods, including capital allocation, operating priorities, and market risks.

Tailwinds

  • First Foundation cites operational execution and demand trends supporting the outlook.
  • Balance sheet and liquidity actions aim to fund growth and returns.

Headwinds

  • Macro, pricing, and input-cost volatility could pressure margins.
  • Segment mix and one-time items may affect quarter-to-quarter comparability.

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 2025

Historical avgQ4 2025

+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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