Financial Performance - First Foundation reported a quarterly loss of $0.04 per share, missing the Zacks Consensus Estimate of $0.02, compared to a loss of $0.17 per share a year ago, indicating an earnings surprise of -300.00% [1] - The company posted revenues of $48.36 million for the quarter ended December 2025, missing the Zacks Consensus Estimate by 16.05%, and down from $64.68 million year-over-year [2] - Over the last four quarters, First Foundation has surpassed consensus EPS estimates two times and topped consensus revenue estimates two times [2] Stock Performance - First Foundation shares have lost about 2.4% since the beginning of the year, while the S&P 500 has gained 1.9% [3] - The current Zacks Rank for First Foundation is 3 (Hold), indicating that shares are expected to perform in line with the market in the near future [6] Earnings Outlook - The current consensus EPS estimate for the coming quarter is $0.02 on $58 million in revenues, and $0.30 on $246.5 million in revenues for the current fiscal year [7] - The estimate revisions trend for First Foundation was mixed ahead of the earnings release, which could change following the recent report [6] Industry Context - The Banks - Southwest industry, to which First Foundation belongs, is currently in the top 32% of over 250 Zacks industries, suggesting a favorable outlook compared to the bottom 50% [8]

First Foundation Inc. (NYSE: FFWM) January 29, 2026 Exhibit 99.1 FIRST FOUNDATION INC. REPORTS FOURTH QUARTER AND FULL YEAR 2025 RESULTS | 4Q25 Key Financial Data | | | | | Highlights | | --- | --- | --- | --- | --- | --- | | Profitability Metrics | 4Q25 | 3Q25 | 4Q24 | ● | Planning for the announced merger with FirstSun | | Return on average | | | | | | | assets (%) | (0.27) | (4.90) | (0.42) | | Capital Bancorp is well underway and ready for close | | | | | | | early in the second quarter, subject to the ...

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Core Insights - Class Action Attorney Juan Monteverde's firm has recovered millions for shareholders and is recognized as a Top 50 Firm in the 2024 ISS Securities Class Action Services Report [1] - Kenvue Inc. is under investigation regarding its sale to Kimberly-Clark Corporation, with shareholders set to receive $3.50 in cash plus 0.14625 shares of Kimberly-Clark for each Kenvue share [1] - FirstSun Capital Bancorp is merging with First Foundation Inc., with FirstSun shareholders expected to own 59.5% of the combined entity upon completion [2] - First Foundation shareholders will receive 0.16083 shares of FirstSun common stock for each share of First Foundation [3] - Gulf Island Fabrication, Inc. is being sold to IES Holdings, Inc., with shareholders to receive $12.00 in cash per share [4] Company Transactions - Kenvue Inc. shareholders will receive $3.50 in cash and 0.14625 shares of Kimberly-Clark for each share held [1] - FirstSun Capital Bancorp shareholders will own 59.5% of the merged company with First Foundation Inc. [2] - First Foundation Inc. shareholders will receive 0.16083 shares of FirstSun for each share held [3] - Gulf Island Fabrication, Inc. shareholders will receive $12.00 in cash per share in the transaction with IES Holdings, Inc. [4] Legal Context - Monteverde & Associates PC is a national class action securities firm with a successful track record in recovering funds for shareholders [5] - The firm operates from the Empire State Building and emphasizes the importance of legal representation for shareholders [5][6]

Financial Performance - For the quarter ended September 30, 2025, the Company reported a net loss of $146.3 million, compared to net losses of $7.7 million and $82.2 million for the prior and year-ago quarters, respectively [154]. - Revenue totaled $63.6 million for the quarter ended September 30, 2025, compared to $51.4 million and ($56.5 million) for the prior and year-ago quarters, respectively [154]. - Noninterest income totaled $17.5 million for the quarter ended September 30, 2025, compared to $1.3 million and ($105.6 million) for the prior and year-ago quarters, respectively [154]. - The combined net loss for the third quarter of 2025 was $146.3 million, compared to a net loss of $82.2 million for the same quarter in 2024 [162]. - Net interest income for the nine-month period ended September 30, 2025, increased by $16.6 million to $148.0 million compared to $131.3 million in the prior year [168]. - Net interest income for the third quarter of 2025 was $46.1 million, down from $49.1 million in the same quarter of the previous year [174]. - Interest income decreased to $134.7 million for Q3 2025, down from $157.2 million in Q3 2024, a decrease of 14.8% [175]. - Noninterest income for Banking was $10.8 million for Q3 2025, compared to a loss of $112.9 million for the year-ago quarter, which included a $117.5 million LOCOM adjustment [183]. Credit Losses and Provisions - Provision for credit losses totaled $65.0 million for the quarter ended September 30, 2025, compared to $2.4 million and $0.3 million for the prior and year-ago quarters, respectively [154]. - The provision for credit losses for the third quarter of 2025 was $65.0 million, significantly higher than $0.3 million for the year-ago quarter, reflecting changes in accounting estimates [163]. - For the nine-month period ended September 30, 2025, the total provision for credit losses was $70.8 million, a significant increase from $53 thousand in the prior year [169]. - The provision for credit losses for loans included $69.6 million in provision expense, with net charge-offs of $0.9 million, representing 0.01% of average loans on an annualized basis [169]. - The allowance for credit losses (ACL) for loans held for investment was $101.9 million as of September 30, 2025, compared to $29.3 million at the same date in 2024 [232]. - The total past due and nonaccrual loans amounted to $68.5 million as of September 30, 2025, representing 0.94% of total loans [228]. Assets and Liabilities - Total assets decreased by $0.7 billion or 5.8% at September 30, 2025, compared to December 31, 2024, largely due to a $1.5 billion decrease in total loans [155]. - As of September 30, 2025, total liabilities decreased by $0.6 billion or 5.2% to $11.0 billion, primarily due to a $0.6 billion decrease in deposits [156]. - Total shareholders' equity declined to $0.9 billion from $1.1 billion at December 31, 2024, with a net loss of $147.1 million during the nine-month period ended September 30, 2025 [157]. - The company reported $1,063.4 million in shareholders' equity as of September 30, 2025, compared to $1,188.7 million at December 31, 2024 [195]. - Total deposits decreased by approximately $577 million to $9.3 billion as of September 30, 2025, compared to $9.9 billion at December 31, 2024 [217]. Mergers and Acquisitions - The Company executed a merger agreement with FirstSun Capital Bancorp, with an estimated transaction value of $785 million [145]. - Following the merger, FirstSun stockholders will own 59.5% and FFI stockholders will own 40.5% of the combined company [145]. Loan Portfolio - The Company had total loans of $7.7 billion at September 30, 2025, down from $9.2 billion at December 31, 2024 [155]. - Loans held for investment decreased by $639 million, with loan fundings totaling $700 million offset by loan payments and payoffs of $1.4 billion [209]. - Multifamily loans accounted for $3.27 billion, representing 44.8% of total loans as of September 30, 2025, up from 42.1% at December 31, 2024 [208]. - The loan portfolio included $3.3 billion in multifamily loans, with an average current loan-to-value (LTV) ratio of 53.7% [210]. - The loan portfolio also comprised $824 million in single-family residential real estate loans, with an average current LTV ratio of 53.6% [211]. Capital and Liquidity - As of September 30, 2025, FFB's common equity tier 1 ratio was 13.14%, significantly exceeding the minimum requirement of 4.50% for well-capitalized institutions [259]. - FFB's total risk-based capital ratio was 14.39% as of September 30, 2025, well above the required minimum of 8.00% [259]. - The company maintained capital ratios necessary to satisfy capital conservation buffer requirements as of the indicated dates [260]. - The available liquidity ratio was 51.4% as of September 30, 2025, exceeding the minimum policy requirement of 25% [239]. - The Bank's liquidity management includes maintaining lines of credit with the FHLB, Federal Reserve Bank, and correspondent banks to address unplanned funding needs [236][239]. Expenses - The total noninterest expense for Banking was $50.2 million for Q3 2025, a decrease of $3.0 million compared to $53.2 million in Q3 2024, primarily due to a $9.9 million reduction in customer service costs [190]. - Compensation and benefits expense in Banking increased by $11.3 million for the nine-month period ended September 30, 2025, compared to the prior year, driven by increased staffing levels [192]. - Wealth Management's noninterest expense rose to $6.4 million in Q3 2025, up from $5.8 million in Q3 2024, largely due to a $0.7 million increase in compensation and benefits [191]. Future Outlook - The company may seek additional borrowings or sell shares to fund future growth opportunities, subject to market conditions [263]. - The company has no material commitments for capital expenditures as of September 30, 2025, but plans to pursue growth opportunities through potential acquisitions or new office openings [263].

Core Viewpoint - Monteverde & Associates PC is investigating the proposed sale of First Foundation Inc. to FirstSun Capital Bancorp, questioning the fairness of the deal where First Foundation shareholders will receive 0.16083 shares of FirstSun common stock for each share of First Foundation [1]. Group 1: Company Overview - Monteverde & Associates PC is recognized as a Top 50 Firm in the 2024 ISS Securities Class Action Services Report and has recovered millions for shareholders [1]. - The firm is located in the Empire State Building, New York City, and specializes in class action securities litigation [2]. Group 2: Transaction Details - Under the proposed transaction, First Foundation shareholders will receive 0.16083 shares of FirstSun common stock for each share of First Foundation [1]. - The investigation aims to determine if this exchange ratio represents a fair deal for shareholders [1].

Core Insights - First Foundation (FFWM) reported quarterly earnings of $0.16 per share, significantly exceeding the Zacks Consensus Estimate of $0.02 per share, marking an earnings surprise of +700% [1] - The company generated revenues of $63.6 million for the quarter ended September 2025, surpassing the Zacks Consensus Estimate by 2.74% and showing an increase from $61.06 million year-over-year [2] - The stock has underperformed the market, losing approximately 14.2% since the beginning of the year compared to the S&P 500's gain of 17.2% [3] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $0.05 on revenues of $64.15 million, and for the current fiscal year, it is $0.09 on revenues of $245.1 million [7] - The estimate revisions trend for First Foundation was favorable prior to the earnings release, resulting in a Zacks Rank 2 (Buy) for the stock, indicating expected outperformance in the near future [6] Industry Context - The Banks - Southwest industry, to which First Foundation belongs, is currently ranked in the top 14% of over 250 Zacks industries, suggesting a favorable outlook for stocks within this sector [8]

Financial Performance - First Foundation Inc. reported a net loss of $146.3 million for Q3 2025, translating to a loss per share of ($1.78) [2] - Total revenue for Q3 2025 was $63.6 million, an increase from $51.4 million in the prior quarter [8] - Net interest income decreased to $46.1 million in Q3 2025, down from $50.1 million in the previous quarter [8] - Noninterest income was $17.5 million for the quarter, a significant increase from $1.3 million in the prior quarter [29] - The net loss for Q3 2025 was $(146.323) million, compared to a net loss of $(82.174) million in Q3 2024, indicating worsening financial performance [48] - Basic and diluted net loss per share for Q3 2025 was $(1.78), compared to $(1.23) in Q3 2024 [49] - Adjusted net income attributable to common shareholders was $(146,125) thousand for the quarter ended September 30, 2025 [61] - Adjusted return on average assets was (4.90)% for the quarter ended September 30, 2025 [62] Credit Losses and Provisions - The company recorded a provision for credit losses of $65.0 million during the quarter, raising the allowance for credit losses to 1.40% of loans held for investment [7] - Provision for credit losses increased to $65.045 million in Q3 2025, compared to $282 thousand in Q3 2024, indicating a rise in expected credit losses [48] - The allowance for credit losses on loans held for investment was $101.9 million, or 1.40% of total loans held for investment [39] - The allowance for credit losses to loans held for investment was 1.40%, up from 0.50% in the previous quarter [50] Assets and Liabilities - Total assets increased to $11.91 billion as of September 30, 2025, from $11.59 billion as of June 30, 2025 [47] - Total liabilities rose to $10.99 billion as of September 30, 2025, compared to $10.54 billion as of June 30, 2025 [47] - Average assets totaled $11.9 billion for the current quarter, down from $12.2 billion in the prior quarter [16] - Total loans outstanding as of September 30, 2025, were $7,296,895, a decrease of 3.25% from $7,542,865 in the previous quarter [53] Deposits and Funding - Total deposits increased to $9.3 billion as of September 30, 2025, compared to $8.6 billion at the end of the previous quarter [8] - Deposits increased to $9.29 billion as of September 30, 2025, up from $8.59 billion as of June 30, 2025 [47] - The loan to deposit ratio was 83.6% as of September 30, 2025, compared to 93.4% as of June 30, 2025 [5] Efficiency and Costs - The efficiency ratio improved to 90.0% in Q3 2025, down from 116.0% in the previous quarter [2] - Customer service costs decreased to $9.1 million in Q3 2025, down from $13.0 million in the prior quarter [8] - Total noninterest expense for Q3 2025 was $57.482 million, slightly down from $60.225 million in Q3 2024 [48] Equity and Book Value - Shareholders' equity decreased to $917.9 million as of September 30, 2025, from $1,050.6 million as of June 30, 2025, primarily due to a net loss of $146.3 million for the quarter [42] - The tangible book value per common share was $10.02 as of September 30, 2025, down from $11.65 as of June 30, 2025, reflecting a decline of 14.0% [42] - Book value per common share decreased to $11.10 in Q3 2025 from $12.75 in Q2 2025, a decline of approximately 13.0% [65] Mergers and Future Outlook - First Foundation announced a merger with FirstSun Capital Bancorp, expected to create a combined entity with $17 billion in assets [3] - The forward-looking statements indicate potential risks including credit losses and changes in economic conditions that could impact future financial performance [44]

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