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FIRST FOUNDATION INC (FFWM) Stock Fundamental Analysis

NYSE:FFWM - New York Stock Exchange, Inc. - US32026V1044 - Common Stock - Currency: USD

5.1  0 (0%)

After market: 5.1 0 (0%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to FFWM. FFWM was compared to 504 industry peers in the Banks industry. FFWM has a bad profitability rating. Also its financial health evaluation is rather negative. FFWM is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year FFWM has reported negative net income.
In the past year FFWM has reported a negative cash flow from operations.
The reported net income has been mixed in the past 5 years: FFWM reported negative net income in multiple years.
FFWM had a positive operating cash flow in 4 of the past 5 years.
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 -0.69%. This is amonst the worse of the industry: FFWM underperforms 96.21% of its industry peers.
FFWM's Return On Equity of -8.14% is on the low side compared to the rest of the industry. FFWM is outperformed by 96.21% of its industry peers.
Industry RankSector Rank
ROA -0.69%
ROE -8.14%
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.
Compared to 1 year ago, FFWM has more shares outstanding
The number of shares outstanding for FFWM has been increased compared to 5 years ago.
The debt/assets ratio for FFWM has been reduced compared to a year ago.
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 0.19. This is a healthy value indicating a solid balance between debt and equity.
FFWM has a Debt to Equity ratio (0.19) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC19.08%
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. Growth

3.1 Past

The earnings per share for FFWM have decreased strongly by -800.00% in the last year.
FFWM shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -40.97%.
FFWM shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -11.23% yearly.
EPS 1Y (TTM)-800%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%700%
Revenue 1Y (TTM)-40.97%
Revenue growth 3Y-27.29%
Revenue growth 5Y-11.23%
Sales Q2Q%39.81%

3.2 Future

FFWM is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 49.65% yearly.
FFWM is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.45% yearly.
EPS Next Y112.85%
EPS Next 2Y49.65%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.87%
Revenue Next 2Y10.45%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

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.
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 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 0 1 -1 2

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3

4. Valuation

4.1 Price/Earnings Ratio

FFWM reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
The Price/Forward Earnings ratio is 16.00, which indicates a correct valuation of FFWM.
FFWM's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. FFWM is more expensive than 76.01% of the companies in the same industry.
FFWM's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.06.
Industry RankSector Rank
PE N/A
Fwd PE 16
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

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 49.65% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y49.65%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for FFWM!.
Industry RankSector Rank
Dividend Yield N/A

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FIRST FOUNDATION INC

NYSE:FFWM (6/5/2025, 7:26:04 PM)

After market: 5.1 0 (0%)

5.1

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-30 2025-04-30/bmo
Earnings (Next)07-23 2025-07-23/bmo
Inst Owners84.75%
Inst Owner Change-3.44%
Ins Owners2%
Ins Owner Change6.74%
Market Cap420.19M
Analysts76
Price Target6.97 (36.67%)
Short Float %4.15%
Short Ratio3.77
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.02
Dividend Growth(5Y)-39.43%
DP-0.65%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-118.58%
Min EPS beat(2)-450.88%
Max EPS beat(2)213.73%
EPS beat(4)2
Avg EPS beat(4)101.53%
Min EPS beat(4)-450.88%
Max EPS beat(4)765.05%
EPS beat(8)6
Avg EPS beat(8)74.47%
EPS beat(12)8
Avg EPS beat(12)51.08%
EPS beat(16)12
Avg EPS beat(16)43.01%
Revenue beat(2)1
Avg Revenue beat(2)2.46%
Min Revenue beat(2)-4.15%
Max Revenue beat(2)9.06%
Revenue beat(4)2
Avg Revenue beat(4)1.5%
Min Revenue beat(4)-4.15%
Max Revenue beat(4)9.06%
Revenue beat(8)3
Avg Revenue beat(8)-2.41%
Revenue beat(12)4
Avg Revenue beat(12)-3.78%
Revenue beat(16)6
Avg Revenue beat(16)-1.78%
PT rev (1m)-0.61%
PT rev (3m)-5.75%
EPS NQ rev (1m)-64.71%
EPS NQ rev (3m)-66.67%
EPS NY rev (1m)-15.19%
EPS NY rev (3m)-15.51%
Revenue NQ rev (1m)-4.87%
Revenue NQ rev (3m)-6.66%
Revenue NY rev (1m)-4.96%
Revenue NY rev (3m)-5.45%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 16
P/S 3.06
P/FCF N/A
P/OCF N/A
P/B 0.4
P/tB 0.4
EV/EBITDA N/A
EPS(TTM)-1.26
EYN/A
EPS(NY)0.32
Fwd EY6.25%
FCF(TTM)-0.24
FCFYN/A
OCF(TTM)-0.2
OCFYN/A
SpS1.66
BVpS12.87
TBVpS12.83
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.69%
ROE -8.14%
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-Score4
Asset Turnover0.01
Health
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 43.69%
Cap/Sales 2.48%
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
WACC19.08%
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)-800%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%700%
EPS Next Y112.85%
EPS Next 2Y49.65%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-40.97%
Revenue growth 3Y-27.29%
Revenue growth 5Y-11.23%
Sales Q2Q%39.81%
Revenue Next Year12.87%
Revenue Next 2Y10.45%
Revenue Next 3YN/A
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-130.98%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-123.54%
OCF growth 3YN/A
OCF growth 5YN/A