FIRST FOUNDATION INC (FFWM)

US32026V1044 - Common Stock

5.48  +0.02 (+0.37%)

After market: 5.48 0 (0%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to FFWM. FFWM was compared to 412 industry peers in the Banks industry. FFWM may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, FFWM is valued expensive at the moment.



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2

1. Profitability

1.1 Basic Checks

FFWM had positive earnings in the past year.
FFWM had a positive operating cash flow in the past year.
Of the past 5 years FFWM 4 years were profitable.
FFWM had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

The Return On Assets of FFWM (-1.49%) is worse than 97.57% of its industry peers.
FFWM has a worse Return On Equity (-21.51%) than 98.06% of its industry peers.
Industry RankSector Rank
ROA -1.49%
ROE -21.51%
ROIC N/A
ROA(3y)0.14%
ROA(5y)0.51%
ROE(3y)-0.49%
ROE(5y)3.96%
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 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

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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.
Compared to 1 year ago, FFWM has more shares outstanding
FFWM has more shares outstanding than it did 5 years ago.
FFWM has a better debt/assets ratio than last year.

2.2 Solvency

FFWM has a Debt/Equity ratio of 0.56. This is a neutral value indicating FFWM is somewhat dependend on debt financing.
The Debt to Equity ratio of FFWM (0.56) is worse than 73.30% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.56
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC16.41%

2.3 Liquidity

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

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5

3. Growth

3.1 Past

The earnings per share for FFWM have decreased strongly by -84.00% in the last year.
FFWM shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -21.74% yearly.
FFWM shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -31.41%.
FFWM shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.63% yearly.
EPS 1Y (TTM)-84%
EPS 3Y-44.58%
EPS 5Y-21.74%
EPS growth Q2Q-85.71%
Revenue 1Y (TTM)-31.41%
Revenue growth 3Y0.06%
Revenue growth 5Y5.63%
Revenue growth Q2Q-31.21%

3.2 Future

Based on estimates for the next years, FFWM will show a very strong growth in Earnings Per Share. The EPS will grow by 81.42% on average per year.
FFWM is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.47% yearly.
EPS Next Y-6.93%
EPS Next 2Y81.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-0.43%
Revenue Next 2Y12.47%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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2

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 17.13 indicates a rather expensive valuation of FFWM.
Based on the Price/Earnings ratio, FFWM is valued more expensive than 82.77% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.06, FFWM is valued a bit cheaper.
FFWM is valuated rather expensively with a Price/Forward Earnings ratio of 18.40.
Based on the Price/Forward Earnings ratio, FFWM is valued a bit more expensive than the industry average as 76.21% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 20.72. FFWM is around the same levels.
Industry RankSector Rank
PE 17.13
Fwd PE 18.4

4.2 Price Multiples

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

4.3 Compensation for Growth

FFWM's earnings are expected to grow with 81.42% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y81.42%
EPS Next 3YN/A

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3

5. Dividend

5.1 Amount

FFWM has a yearly dividend return of 0.73%, which is pretty low.
In the last 3 months the price of FFWM has falen by -38.56%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 3.84, FFWM's dividend is way lower than its industry peers. On top of this 86.41% of the companies listed in the same industry pay a better dividend than FFWM!
With a Dividend Yield of 0.73, FFWM pays less dividend than the S&P500 average, which is at 2.41.
Industry RankSector Rank
Dividend Yield 0.73%

5.2 History

On average, the dividend of FFWM grows each year by 30.06%, which is quite nice.
FFWM has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)30.06%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

FFWM has negative earnings and hence a negative payout ratio. The dividend may be in danger.
FFWM's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-4.53%
EPS Next 2Y81.42%
EPS Next 3YN/A

More info and screens

FIRST FOUNDATION INC

NYSE:FFWM (5/2/2024, 7:04:01 PM)

After market: 5.48 0 (0%)

5.48

+0.02 (+0.37%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap309.46M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 0.73%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 17.13
Fwd PE 18.4
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -1.49%
ROE -21.51%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) N/A
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.56
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-84%
EPS 3Y-44.58%
EPS 5Y
EPS growth Q2Q
EPS Next Y-6.93%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-31.41%
Revenue growth 3Y0.06%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y