FIRST FOUNDATION INC (FFWM) Fundamental Analysis & Valuation

NYSE:FFWM • US32026V1044

Current stock price

5.9 USD
+0.14 (+2.43%)
At close:
5.9 USD
0 (0%)
After Hours:

This FFWM fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. FFWM Profitability Analysis

1.1 Basic Checks

  • FFWM had negative earnings in the past year.
  • FFWM had a negative operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: FFWM reported negative net income in multiple years.
  • In multiple years FFWM reported negative operating cash flow during the last 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M

1.2 Ratios

  • FFWM's Return On Assets of -1.30% is on the low side compared to the rest of the industry. FFWM is outperformed by 95.26% of its industry peers.
  • FFWM's Return On Equity of -17.00% is on the low side compared to the rest of the industry. FFWM is outperformed by 96.05% of its industry peers.
Industry RankSector Rank
ROA -1.3%
ROE -17%
ROIC N/A
ROA(3y)-1.18%
ROA(5y)-0.32%
ROE(3y)-15.76%
ROE(5y)-5.45%
ROIC(3y)N/A
ROIC(5y)N/A
FFWM Yearly ROA, ROE, ROICFFWM Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 -20

1.3 Margins

  • FFWM does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 -40 -60

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0

2. FFWM Health Analysis

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.
  • Compared to 1 year ago, FFWM has a worse debt to assets ratio.
FFWM Yearly Shares OutstandingFFWM Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
FFWM Yearly Total Debt VS Total AssetsFFWM Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

2.2 Solvency

  • A Debt/Equity ratio of 0.22 indicates that FFWM is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.22, FFWM is doing worse than 60.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC17%
FFWM Yearly LT Debt VS Equity VS FCFFFWM Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. FFWM Growth Analysis

3.1 Past

  • FFWM shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -33.08%.
  • FFWM shows a strong growth in Revenue. In the last year, the Revenue has grown by 101.06%.
  • FFWM shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.34% yearly.
EPS 1Y (TTM)-33.08%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%41.18%
Revenue 1Y (TTM)101.06%
Revenue growth 3Y-13.83%
Revenue growth 5Y-1.34%
Sales Q2Q%-25.23%

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 49.69% on average per year.
  • Based on estimates for the next years, FFWM will show a small growth in Revenue. The Revenue will grow by 7.34% on average per year.
EPS Next Y112.39%
EPS Next 2Y49.69%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.1%
Revenue Next 2Y7.34%
Revenue Next 3YN/A
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 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. FFWM Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for FFWM. In the last year negative earnings were reported.
  • FFWM is valuated quite expensively with a Price/Forward Earnings ratio of 26.90.
  • Based on the Price/Forward Earnings ratio, FFWM is valued expensively inside the industry as 80.79% of the companies are valued cheaper.
  • FFWM's Price/Forward Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 21.36.
Industry RankSector Rank
PE N/A
Fwd PE 26.9
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 2 4 6 8 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.
  • A more expensive valuation may be justified as FFWM's earnings are expected to grow with 49.69% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y49.69%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

1

5. FFWM Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.68%, FFWM is not a good candidate for dividend investing.
  • With a Dividend Yield of 0.68, FFWM pays less dividend than the industry average, which is at 2.56. 83.95% of the companies listed in the same industry pay a better dividend than FFWM!
  • Compared to an average S&P500 Dividend Yield of 1.80, FFWM's dividend is way lower than the S&P500 average.
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

DP0%
EPS Next 2Y49.69%
EPS Next 3YN/A
FFWM Yearly Income VS Free CF VS DividendFFWM Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M

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FFWM Fundamentals: All Metrics, Ratios and Statistics

FIRST FOUNDATION INC

NYSE:FFWM (3/31/2026, 8:04:00 PM)

After market: 5.9 0 (0%)

5.9

+0.14 (+2.43%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength69.57
Industry Growth91.3
Earnings (Last)01-29
Earnings (Next)04-28
Inst Owners85.75%
Inst Owner Change0.69%
Ins Owners0.21%
Ins Owner Change-88.65%
Market Cap489.29M
Revenue(TTM)234.78M
Net Income(TTM)-155.16M
Analysts82.22
Price Target6.97 (18.14%)
Short Float %N/A
Short RatioN/A
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)0
Avg EPS beat(2)-5649.5%
Min EPS beat(2)-10872.2%
Max EPS beat(2)-426.8%
EPS beat(4)2
Avg EPS beat(4)-2750.36%
Min EPS beat(4)-10872.2%
Max EPS beat(4)213.73%
EPS beat(8)4
Avg EPS beat(8)-1348.31%
EPS beat(12)7
Avg EPS beat(12)-885.15%
EPS beat(16)10
Avg EPS beat(16)-662.19%
Revenue beat(2)1
Avg Revenue beat(2)-10.89%
Min Revenue beat(2)-22.7%
Max Revenue beat(2)0.93%
Revenue beat(4)2
Avg Revenue beat(4)-8.7%
Min Revenue beat(4)-22.7%
Max Revenue beat(4)9.06%
Revenue beat(8)3
Avg Revenue beat(8)-6.19%
Revenue beat(12)4
Avg Revenue beat(12)-6.17%
Revenue beat(16)5
Avg Revenue beat(16)-5.66%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-50%
EPS NY rev (1m)0%
EPS NY rev (3m)-24.83%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.85%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.58%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 26.9
P/S 2.08
P/FCF N/A
P/OCF N/A
P/B 0.54
P/tB 0.54
EV/EBITDA N/A
EPS(TTM)-1.77
EYN/A
EPS(NY)0.22
Fwd EY3.72%
FCF(TTM)-0.42
FCFYN/A
OCF(TTM)-0.38
OCFYN/A
SpS2.83
BVpS11
TBVpS10.98
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0 (-100%)
Profitability
Industry RankSector Rank
ROA -1.3%
ROE -17%
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)-1.18%
ROA(5y)-0.32%
ROE(3y)-15.76%
ROE(5y)-5.45%
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 RankSector Rank
Debt/Equity 0.22
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 43.37%
Cap/Sales 1.41%
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
WACC17%
ROIC/WACCN/A
Cap/Depr(3y)59.23%
Cap/Depr(5y)55.53%
Cap/Sales(3y)2.34%
Cap/Sales(5y)1.86%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-33.08%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%41.18%
EPS Next Y112.39%
EPS Next 2Y49.69%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)101.06%
Revenue growth 3Y-13.83%
Revenue growth 5Y-1.34%
Sales Q2Q%-25.23%
Revenue Next Year4.1%
Revenue Next 2Y7.34%
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-206%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-263.22%
OCF growth 3YN/A
OCF growth 5YN/A

FIRST FOUNDATION INC / FFWM Fundamental Analysis FAQ

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

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


What is the valuation status of FIRST FOUNDATION INC (FFWM) stock?

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


Can you provide the profitability details for FIRST FOUNDATION INC?

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


Can you provide the expected EPS growth for FFWM stock?

The Earnings per Share (EPS) of FIRST FOUNDATION INC (FFWM) is expected to grow by 112.39% in the next year.