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First Foundation
First Foundation (FFWM) investor relations material
First Foundation Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Reported a net loss of $8.0 million for Q4 2025, or $0.10 per share, primarily due to $8.5 million in hedging costs and $6.1 million in merger-related expenses associated with the pending FirstSun merger.
Total revenue for the quarter was $48.4 million, down from $63.6 million in Q3 and $64.7 million in Q4 2024.
Completed a $204.8 million multifamily loan securitization, nearly finalizing a $1.9 billion reduction in the multifamily loan portfolio.
Planning and integration for the FirstSun merger are underway, with anticipated closing in early Q2 2026.
Financial highlights
Net interest income was $39.4 million, down from $46.1 million in Q3 and $51.3 million in Q4 2024, mainly due to lower asset yields and hedging costs.
Net interest margin declined to 1.36% from 1.60% in Q3 and 1.58% in Q4 2024.
Noninterest income was $8.9 million, down from $17.5 million in Q3, reflecting a $1.1 million loss on capital market activities.
Noninterest expense increased to $62.9 million, up from $57.5 million in Q3, driven by merger-related costs.
Efficiency ratio rose to 116.9% from 90.0% in Q3, due to lower revenue and higher expenses.
Allowance for credit losses on loans held for investment was $93.9 million (1.39% of loans), with net charge-offs of $0.2 million.
Outlook and guidance
Management expects the merger with FirstSun to drive EPS accretion and improved return metrics, with a focus on balance sheet repositioning and higher profitability.
Confident in achieving first-quartile performance post-merger, with continued focus on reducing high-cost funding and improving the loan-to-deposit ratio.
Post-merger balance sheet re-positioning plans?
What is the core NIM excluding merger-related costs?
Future loan growth strategy post-multifamily reduction?
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Next First Foundation earnings date
Q1 202629 Apr, 2026
First Foundation
Next First Foundation earnings date
Q1 202629 Apr, 2026
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Frequently asked questions
First Foundation Inc. is a financial services company offering personal and business banking, investment management, trust services, and insurance solutions. It operates primarily through its subsidiary First Foundation Bank. The company is headquartered in Dallas, Texas, and its shares are listed on the NYSE.
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