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FIRST FOUNDATION INC (FFWM) Stock Fundamental Analysis

USA - NYSE:FFWM - US32026V1044 - Common Stock

5.73 USD
-0.05 (-0.87%)
Last: 9/23/2025, 8:04:01 PM
5.73 USD
0 (0%)
After Hours: 9/23/2025, 8:04:01 PM
Fundamental Rating

2

Taking everything into account, FFWM scores 2 out of 10 in our fundamental rating. FFWM was compared to 392 industry peers in the Banks industry. Both the profitability and financial health of FFWM have multiple concerns. FFWM does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

FFWM had negative earnings in the past year.
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.
FFWM Yearly Net Income VS EBIT VS OCF VS FCFFFWM Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M

1.2 Ratios

FFWM has a Return On Assets of -0.84%. This is amonst the worse of the industry: FFWM underperforms 95.66% of its industry peers.
With a Return On Equity value of -9.24%, FFWM is not doing good in the industry: 95.92% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -0.84%
ROE -9.24%
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
FFWM Yearly ROA, ROE, ROICFFWM Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for FFWM so they could not be analyzed.
Industry RankSector 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
FFWM Yearly Profit, Operating, Gross MarginsFFWM Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40 -60

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1

2. Health

2.1 Basic Checks

FFWM does not have a ROIC to compare to the WACC, probably because it is not profitable.
FFWM has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, FFWM has more shares outstanding
FFWM has a better debt/assets ratio than last year.
FFWM Yearly Shares OutstandingFFWM Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
FFWM Yearly Total Debt VS Total AssetsFFWM Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

FFWM has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
FFWM has a Debt to Equity ratio (0.18) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC18.95%
FFWM Yearly LT Debt VS Equity VS FCFFFWM Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FFWM Yearly Current Assets VS Current LiabilitesFFWM Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

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3

3. Growth

3.1 Past

FFWM shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -858.82%.
FFWM shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -42.70%.
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)-858.82%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-50%
Revenue 1Y (TTM)-42.7%
Revenue growth 3Y-27.29%
Revenue growth 5Y-11.23%
Sales Q2Q%-10.55%

3.2 Future

The Earnings Per Share is expected to grow by 36.38% on average over the next years. This is a very strong growth
FFWM is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.52% yearly.
EPS Next Y107.52%
EPS Next 2Y49.74%
EPS Next 3Y36.38%
EPS Next 5YN/A
Revenue Next Year6.25%
Revenue Next 2Y7.9%
Revenue Next 3Y13.52%
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.
FFWM Yearly Revenue VS EstimatesFFWM Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
FFWM Yearly EPS VS EstimatesFFWM Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 1 -1 2

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2

4. Valuation

4.1 Price/Earnings Ratio

FFWM reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
FFWM is valuated rather expensively with a Price/Forward Earnings ratio of 17.79.
Based on the Price/Forward Earnings ratio, FFWM is valued a bit more expensive than 77.55% of the companies in the same industry.
FFWM is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.87, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 17.79
FFWM Price Earnings VS Forward Price EarningsFFWM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
FFWM Per share dataFFWM EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10

4.3 Compensation for Growth

The 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 36.38% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y49.74%
EPS Next 3Y36.38%

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2

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 3.47. 84.69% of the companies listed in the same industry pay a better dividend than FFWM!
With a Dividend Yield of 0.68, FFWM pays less dividend than the S&P500 average, which is at 2.38.
Industry RankSector 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
FFWM Yearly Dividends per shareFFWM Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 0.1 0.2 0.3 0.4

5.3 Sustainability

0.00% of the earnings are spent on dividend by FFWM. This is a low number and sustainable payout ratio.
DP0%
EPS Next 2Y49.74%
EPS Next 3Y36.38%
FFWM Yearly Income VS Free CF VS DividendFFWM Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M
FFWM Dividend Payout.FFWM Dividend Payout, showing the Payout Ratio.FFWM Dividend Payout.PayoutRetained Earnings

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FIRST FOUNDATION INC

NYSE:FFWM (9/23/2025, 8:04:01 PM)

After market: 5.73 0 (0%)

5.73

-0.05 (-0.87%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-31 2025-07-31/bmo
Earnings (Next)10-27 2025-10-27/bmo
Inst Owners82.22%
Inst Owner Change-0.48%
Ins Owners2.11%
Ins Owner Change6.45%
Market Cap472.09M
Analysts78.18
Price Target6.89 (20.24%)
Short Float %4.28%
Short Ratio4.27
Dividend
Industry RankSector 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)2
Avg EPS beat(2)148.78%
Min EPS beat(2)83.82%
Max EPS beat(2)213.73%
EPS beat(4)2
Avg EPS beat(4)-68.77%
Min EPS beat(4)-450.88%
Max EPS beat(4)213.73%
EPS beat(8)6
Avg EPS beat(8)77.95%
EPS beat(12)8
Avg EPS beat(12)57.25%
EPS beat(16)12
Avg EPS beat(16)47.44%
Revenue beat(2)1
Avg Revenue beat(2)-6.51%
Min Revenue beat(2)-22.09%
Max Revenue beat(2)9.06%
Revenue beat(4)1
Avg Revenue beat(4)-4.62%
Min Revenue beat(4)-22.09%
Max Revenue beat(4)9.06%
Revenue beat(8)2
Avg Revenue beat(8)-5.2%
Revenue beat(12)3
Avg Revenue beat(12)-5.73%
Revenue beat(16)5
Avg Revenue beat(16)-3.35%
PT rev (1m)3.85%
PT rev (3m)-1.82%
EPS NQ rev (1m)-19.8%
EPS NQ rev (3m)-41.09%
EPS NY rev (1m)0%
EPS NY rev (3m)-41.49%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-6.63%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-6.31%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 17.79
P/S 3.6
P/FCF N/A
P/OCF N/A
P/B 0.45
P/tB 0.45
EV/EBITDA N/A
EPS(TTM)-1.29
EYN/A
EPS(NY)0.32
Fwd EY5.62%
FCF(TTM)-0.33
FCFYN/A
OCF(TTM)-0.29
OCFYN/A
SpS1.59
BVpS12.75
TBVpS12.72
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.84%
ROE -9.24%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score2
Asset Turnover0.01
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 36.36%
Cap/Sales 2.73%
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-Score2
WACC18.95%
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)-858.82%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-50%
EPS Next Y107.52%
EPS Next 2Y49.74%
EPS Next 3Y36.38%
EPS Next 5YN/A
Revenue 1Y (TTM)-42.7%
Revenue growth 3Y-27.29%
Revenue growth 5Y-11.23%
Sales Q2Q%-10.55%
Revenue Next Year6.25%
Revenue Next 2Y7.9%
Revenue Next 3Y13.52%
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-152.02%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-142.21%
OCF growth 3YN/A
OCF growth 5YN/A