FFWM Fundamental Analysis - FIRST FOUNDATION INC

Fundamental Rating

Taking everything into account, FFWM scores 2 out of 10 in our fundamental rating. FFWM was compared to 388 industry peers in the Banks industry. FFWM has a bad profitability rating. Also its financial health evaluation is rather negative. FFWM is valied quite expensively at the moment, while it does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year FFWM has reported negative net income.

FFWM had a negative operating cash flow in the past year.

In multiple years FFWM reported negative net income over the last 5 years.

Of the past 5 years FFWM 4 years had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of -1.35%, FFWM is doing worse than 95.36% of the companies in the same industry.

FFWM's Return On Equity of -17.56% is on the low side compared to the rest of the industry. FFWM is outperformed by 95.62% of its industry peers.

		Industry Rank	Sector Rank
ROA	-1.35%
ROE	-17.56%
ROIC	N/A

ROA(3y)-0.46%

ROA(5y)0.18%

ROE(3y)-6.85%

ROE(5y)0.38%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for FFWM so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	N/A
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

FFWM does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, FFWM has more shares outstanding

Compared to 5 years ago, FFWM has more shares outstanding

FFWM has a better debt/assets ratio than last year.

2.2 Solvency

A Debt/Equity ratio of 1.74 is on the high side and indicates that FFWM has dependencies on debt financing.

Looking at the Debt to Equity ratio, with a value of 1.74, FFWM is doing worse than 87.37% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	1.74
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC18.9%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

FFWM shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -65.77%.

Looking at the last year, FFWM shows a very strong growth in Revenue. The Revenue has grown by 131.50%.

Measured over the past years, FFWM shows a very negative growth in Revenue. The Revenue has been decreasing by -11.23% on average per year.

EPS 1Y (TTM)-65.77%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-44.72%

Revenue 1Y (TTM)131.5%

Revenue growth 3Y-27.29%

Revenue growth 5Y-11.23%

Sales Q2Q%4.14%

3.2 Future

FFWM is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 33.22% yearly.

Based on estimates for the next years, FFWM will show a quite strong growth in Revenue. The Revenue will grow by 8.76% on average per year.

EPS Next Y36.35%

EPS Next 2Y48.97%

EPS Next 3Y33.22%

EPS Next 5YN/A

Revenue Next Year7.03%

Revenue Next 2Y6.94%

Revenue Next 3Y8.76%

Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for FFWM. In the last year negative earnings were reported.

FFWM is valuated rather expensively with a Price/Forward Earnings ratio of 20.70.

79.38% of the companies in the same industry are cheaper than FFWM, based on the Price/Forward Earnings ratio.

FFWM is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 23.40, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	20.7

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

FFWM's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

FFWM's earnings are expected to grow with 33.22% in the coming years. This may justify a more expensive valuation.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y48.97%

EPS Next 3Y33.22%

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5. Dividend

5.1 Amount

FFWM has a yearly dividend return of 0.68%, which is pretty low.

With a Dividend Yield of 0.68, FFWM pays less dividend than the industry average, which is at 2.74. 84.79% of the companies listed in the same industry pay a better dividend than FFWM!

Compared to an average S&P500 Dividend Yield of 2.00, FFWM's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	0.68%

5.2 History

The dividend of FFWM decreases each year by -39.43%.

FFWM has been paying a dividend for over 5 years, so it has already some track record.

Dividend Growth(5Y)-39.43%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

FFWM pays out 0.00% of its income as dividend. This is a sustainable payout ratio.

DP0%

EPS Next 2Y48.97%

EPS Next 3Y33.22%

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FIRST FOUNDATION INC

NYSE:FFWM (12/30/2025, 4:10:02 PM)

After market: 6.04 0 (0%)

6.04

-0.05 (-0.82%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)10-30 2025-10-30/bmo

Earnings (Next)01-28 2026-01-28/bmo

Inst Owners85.21%

Inst Owner Change0.16%

Ins Owners2.12%

Ins Owner Change0.7%

Market Cap500.60M

Revenue(TTM)251.09M

Net Income(TTM)-161.23M

Analysts80

Price Target6.97 (15.4%)

Short Float %4.61%

Short Ratio3.8

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.68%

Yearly Dividend0.02

Dividend Growth(5Y)-39.43%

DP0%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-5394.19%

Min EPS beat(2)-10872.2%

Max EPS beat(2)83.82%

EPS beat(4)2

Avg EPS beat(4)-2756.38%

Min EPS beat(4)-10872.2%

Max EPS beat(4)213.73%

EPS beat(8)5

Avg EPS beat(8)-1283.9%

EPS beat(12)8

Avg EPS beat(12)-848.57%

EPS beat(16)11

Avg EPS beat(16)-633.71%

Revenue beat(2)1

Avg Revenue beat(2)-10.58%

Min Revenue beat(2)-22.09%

Max Revenue beat(2)0.93%

Revenue beat(4)2

Avg Revenue beat(4)-4.06%

Min Revenue beat(4)-22.09%

Max Revenue beat(4)9.06%

Revenue beat(8)3

Avg Revenue beat(8)-4.86%

Revenue beat(12)4

Avg Revenue beat(12)-5.64%

Revenue beat(16)5

Avg Revenue beat(16)-4.25%

PT rev (1m)3.8%

PT rev (3m)1.23%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-26.47%

EPS NY rev (1m)-1164.1%

EPS NY rev (3m)-1829.17%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-2.9%

Revenue NY rev (1m)0.65%

Revenue NY rev (3m)0.74%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	20.7
P/S	1.99
P/FCF	N/A
P/OCF	N/A
P/B	0.55
P/tB	0.55
EV/EBITDA	N/A

EPS(TTM)-1.84

EYN/A

EPS(NY)0.29

Fwd EY4.83%

FCF(TTM)-0.39

FCFYN/A

OCF(TTM)-0.35

OCFYN/A

SpS3.03

BVpS11.08

TBVpS11.04

PEG (NY)N/A

PEG (5Y)N/A

Graham NumberN/A

Profitability

		Industry Rank	Sector Rank
ROA	-1.35%
ROE	-17.56%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	N/A
GM	N/A
FCFM	N/A

ROA(3y)-0.46%

ROA(5y)0.18%

ROE(3y)-6.85%

ROE(5y)0.38%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexgc growth 3YN/A

ROICexgc growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

F-Score4

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	1.74
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	34.36%
Cap/Sales	1.34%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC18.9%

ROIC/WACCN/A

Cap/Depr(3y)62.4%

Cap/Depr(5y)55.64%

Cap/Sales(3y)2.28%

Cap/Sales(5y)1.81%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-65.77%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-44.72%

EPS Next Y36.35%

EPS Next 2Y48.97%

EPS Next 3Y33.22%

EPS Next 5YN/A

Revenue 1Y (TTM)131.5%

Revenue growth 3Y-27.29%

Revenue growth 5Y-11.23%

Sales Q2Q%4.14%

Revenue Next Year7.03%

Revenue Next 2Y6.94%

Revenue Next 3Y8.76%

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-193.03%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-169.38%

OCF growth 3YN/A

OCF growth 5YN/A

FIRST FOUNDATION INC / FFWM FAQ

What is the ChartMill fundamental rating of FIRST FOUNDATION INC (FFWM) stock?

ChartMill assigns a fundamental rating of 2 / 10 to FFWM.

Can you provide the valuation status for FIRST FOUNDATION INC?

ChartMill assigns a valuation rating of 2 / 10 to FIRST FOUNDATION INC (FFWM). This can be considered as Overvalued.

How profitable is FIRST FOUNDATION INC (FFWM) stock?

FIRST FOUNDATION INC (FFWM) has a profitability rating of 1 / 10.

Is the dividend of FIRST FOUNDATION INC sustainable?

The dividend rating of FIRST FOUNDATION INC (FFWM) is 2 / 10 and the dividend payout ratio is 0%.

FIRST FOUNDATION INC (FFWM) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

FIRST FOUNDATION INC / FFWM FAQ

What is the ChartMill fundamental rating of FIRST FOUNDATION INC (FFWM) stock?

Can you provide the valuation status for FIRST FOUNDATION INC?

How profitable is FIRST FOUNDATION INC (FFWM) stock?

Is the dividend of FIRST FOUNDATION INC sustainable?