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FIRST FOUNDATION INC (FFWM) Stock Fundamental Analysis

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

4.935  -0.04 (-0.7%)

Fundamental Rating

2

FFWM gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. Both the profitability and financial health of FFWM have multiple concerns. FFWM has a expensive valuation and it also scores bad on growth.


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.
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 -0.69%, FFWM is not doing good in the industry: 96.18% of the companies in the same industry are doing better.
The Return On Equity of FFWM (-8.14%) is worse than 96.18% 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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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
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

A Debt/Equity ratio of 0.19 indicates that FFWM is not too dependend on debt financing.
The Debt to Equity ratio of FFWM (0.19) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC19.1%
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.
The Revenue for FFWM has decreased by -40.97% in the past year. This is quite bad
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 36.38% yearly.
The Revenue is expected to grow by 14.10% on average over the next years. This is quite good.
EPS Next Y112.42%
EPS Next 2Y49.59%
EPS Next 3Y36.38%
EPS Next 5YN/A
Revenue Next Year13.44%
Revenue Next 2Y10.54%
Revenue Next 3Y14.1%
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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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 15.61, which indicates a correct valuation of FFWM.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FFWM indicates a slightly more expensive valuation: FFWM is more expensive than 74.30% of the companies listed in the same industry.
FFWM is valuated cheaply when we compare the Price/Forward Earnings ratio to 37.67, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 15.61
FFWM Price Earnings VS Forward Price EarningsFFWM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20 30

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.
A more expensive valuation may be justified as FFWM's earnings are expected to grow with 36.38% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y49.59%
EPS Next 3Y36.38%

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1

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 3.40. 85.24% 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

FFWM has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-0.65%
EPS Next 2Y49.59%
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

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FIRST FOUNDATION INC

NYSE:FFWM (7/28/2025, 1:31:56 PM)

4.935

-0.04 (-0.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-30 2025-04-30/bmo
Earnings (Next)07-31 2025-07-31/bmo
Inst Owners82.39%
Inst Owner Change-0.06%
Ins Owners2.11%
Ins Owner Change11.12%
Market Cap406.59M
Analysts78.18
Price Target7.01 (42.05%)
Short Float %4.69%
Short Ratio5.3
Dividend
Industry RankSector Rank
Dividend Yield 0.68%
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%
PT rev (3m)0%
EPS NQ rev (1m)6.67%
EPS NQ rev (3m)-62.35%
EPS NY rev (1m)-3.28%
EPS NY rev (3m)-17.97%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.61%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)-4.47%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 15.61
P/S 2.97
P/FCF N/A
P/OCF N/A
P/B 0.38
P/tB 0.38
EV/EBITDA N/A
EPS(TTM)-1.26
EYN/A
EPS(NY)0.32
Fwd EY6.41%
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
WACC19.1%
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 Y112.42%
EPS Next 2Y49.59%
EPS Next 3Y36.38%
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 Year13.44%
Revenue Next 2Y10.54%
Revenue Next 3Y14.1%
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