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First Foundation (FFWM) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates

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First Foundation (FFWM - Free Report) reported $71.4 million in revenue for the quarter ended March 2025, representing a year-over-year increase of 39.8%. EPS of $0.09 for the same period compares to $0.02 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $63.8 million, representing a surprise of +11.91%. The company delivered an EPS surprise of +350.00%, with the consensus EPS estimate being $0.02.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how First Foundation performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

  • Efficiency Ratio (non-GAAP): 86% versus the two-analyst average estimate of 90.4%.
  • Net Interest Margin: 1.7% versus the two-analyst average estimate of 1.7%.
  • Average Balances - Total interest-earnings assets: $12.31 billion versus the two-analyst average estimate of $12.31 billion.
  • Total nonperforming assets: $44.94 million compared to the $52.29 million average estimate based on two analysts.
  • Net charge-offs (recoveries) to average loans - annualized: 0% versus 0.1% estimated by two analysts on average.
  • Total Noninterest income: $19.60 million versus $12.27 million estimated by two analysts on average.
  • Net interest income: $51.80 million versus the two-analyst average estimate of $51.54 million.
View all Key Company Metrics for First Foundation here>>>

Shares of First Foundation have returned -4.8% over the past month versus the Zacks S&P 500 composite's -0.2% change. The stock currently has a Zacks Rank #5 (Strong Sell), indicating that it could underperform the broader market in the near term.

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