For the quarter ended September 2025, First Foundation (FFWM) reported revenue of $63.6 million, up 4.2% over the same period last year. EPS came in at $0.16, compared to $0.04 in the year-ago quarter.
The reported revenue represents a surprise of +2.74% over the Zacks Consensus Estimate of $61.9 million. With the consensus EPS estimate being $0.02, the EPS surprise was +700%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
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): 90% versus 91.7% estimated by two analysts on average.
- Average Balances - Total interest-earnings assets: $11.59 billion compared to the $11.29 billion average estimate based on two analysts.
- Total nonperforming assets: $39.72 million versus the two-analyst average estimate of $43.29 million.
- Net Interest Margin: 1.6% versus 1.8% estimated by two analysts on average.
- Nonaccrual loans: $33.51 million versus $36.59 million estimated by two analysts on average.
- Net charge-offs (recoveries) to average loans - annualized: 0% compared to the 0% average estimate based on two analysts.
- Total Noninterest income: $17.52 million versus $12.22 million estimated by two analysts on average.
- Net interest income: $46.08 million compared to the $49.62 million average estimate based on two analysts.
View all Key Company Metrics for First Foundation here>>>
Shares of First Foundation have returned -3.8% over the past month versus the Zacks S&P 500 composite's +3.6% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.
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First Foundation Inc. (FFWM): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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