Logo image of FFWM

FIRST FOUNDATION INC (FFWM) Stock Fundamental Analysis

NYSE:FFWM - US32026V1044 - Common Stock

5.915 USD
+0.08 (+1.28%)
Last: 9/3/2025, 10:01:05 AM
Fundamental Rating

2

FFWM gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. FFWM has a bad profitability rating. Also its financial health evaluation is rather negative. FFWM does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

Quickly go to:

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.
The reported net income has been mixed in the past 5 years: FFWM reported negative net income in multiple 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

With a Return On Assets value of -0.84%, FFWM is not doing good in the industry: 95.70% of the companies in the same industry are doing better.
FFWM has a worse Return On Equity (-9.24%) than 95.95% of its industry peers.
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

More info and screens

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.
FFWM has more shares outstanding than it did 5 years ago.
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

A Debt/Equity ratio of 0.18 indicates that FFWM is not too dependend on debt financing.
FFWM's Debt to Equity ratio of 0.18 is in line compared to the rest of the industry. FFWM outperforms 46.84% of its industry peers.
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

More info and screens

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%.
Looking at the last year, FFWM shows a very negative growth in Revenue. The Revenue has decreased by -42.70% in the last year.
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)-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
The Revenue is expected to grow by 13.52% on average over the next years. This is quite good.
EPS Next Y107.52%
EPS Next 2Y49.74%
EPS Next 3Y36.38%
EPS Next 5YN/A
Revenue Next Year6.25%
Revenue Next 2Y8.09%
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

More info and screens

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 18.36.
Based on the Price/Forward Earnings ratio, FFWM is valued a bit more expensive than the industry average as 76.71% of the companies are valued more cheaply.
FFWM's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 22.52.
Industry RankSector Rank
PE N/A
Fwd PE 18.36
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%

More info and screens

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 3.17. 83.80% 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 2.32.
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

More info and screens

FIRST FOUNDATION INC

NYSE:FFWM (9/3/2025, 10:01:05 AM)

5.915

+0.08 (+1.28%)

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 Change6.53%
Market Cap487.34M
Analysts78.18
Price Target6.63 (12.09%)
Short Float %4.33%
Short Ratio3.94
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)-5.45%
PT rev (3m)-4.88%
EPS NQ rev (1m)-15.83%
EPS NQ rev (3m)-67.55%
EPS NY rev (1m)-39.51%
EPS NY rev (3m)-41.49%
Revenue NQ rev (1m)-6.52%
Revenue NQ rev (3m)-15.35%
Revenue NY rev (1m)-6.33%
Revenue NY rev (3m)-5.87%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 18.36
P/S 3.72
P/FCF N/A
P/OCF N/A
P/B 0.46
P/tB 0.47
EV/EBITDA N/A
EPS(TTM)-1.29
EYN/A
EPS(NY)0.32
Fwd EY5.45%
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 2Y8.09%
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