FIRST FOUNDATION INC (FFWM) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:FFWM • US32026V1044

6.505 USD
+0.08 (+1.32%)
Last: Feb 6, 2026, 01:01 PM
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to FFWM. FFWM was compared to 383 industry peers in the Banks industry. FFWM has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, FFWM is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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.
  • In multiple years FFWM reported negative net income over the last 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: FFWM reported negative operating cash flow in multiple 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

  • With a Return On Assets value of -1.35%, FFWM is not doing good in the industry: 94.78% of the companies in the same industry are doing better.
  • Looking at the Return On Equity, with a value of -17.56%, FFWM is doing worse than 95.04% of the companies in the same industry.
Industry RankSector Rank
ROA -1.35%
ROE -17.56%
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

0

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.
  • 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

  • FFWM has a Debt/Equity ratio of 1.74. This is a high value indicating a heavy dependency on external financing.
  • FFWM has a worse Debt to Equity ratio (1.74) than 86.95% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.74
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC18.78%
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 500M 1B 1.5B

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

More info and screens

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

4

3. Growth

3.1 Past

  • FFWM shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -33.08%.
  • The Revenue has grown by 101.06% in the past year. This is a very strong growth!
  • 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%-26.65%

3.2 Future

  • FFWM is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 50.79% yearly.
  • FFWM is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.64% yearly.
EPS Next Y116.48%
EPS Next 2Y50.79%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.86%
Revenue Next 2Y9.64%
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 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

Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for FFWM. In the last year negative earnings were reported.
  • The Price/Forward Earnings ratio is 22.30, which indicates a rather expensive current valuation of FFWM.
  • Based on the Price/Forward Earnings ratio, FFWM is valued a bit more expensive than 78.59% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of FFWM to the average of the S&P500 Index (27.20), we can say FFWM is valued inline with the index average.
Industry RankSector Rank
PE N/A
Fwd PE 22.3
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

  • 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 50.79% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y50.79%
EPS Next 3YN/A

More info and screens

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

2

5. Dividend

5.1 Amount

  • With a yearly dividend of 0.68%, FFWM is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.71, FFWM's dividend is way lower than its industry peers. On top of this 83.81% of the companies listed in the same industry pay a better dividend than FFWM!
  • Compared to an average S&P500 Dividend Yield of 1.82, 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

  • 0.00% of the earnings are spent on dividend by FFWM. This is a low number and sustainable payout ratio.
DP0%
EPS Next 2Y50.79%
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
FFWM Dividend Payout.FFWM Dividend Payout, showing the Payout Ratio.FFWM Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

FIRST FOUNDATION INC

NYSE:FFWM (2/6/2026, 1:01:10 PM)

6.505

+0.08 (+1.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-28
Inst Owners85.11%
Inst Owner Change0.32%
Ins Owners2.12%
Ins Owner Change0.7%
Market Cap539.13M
Revenue(TTM)234.78M
Net Income(TTM)-161.23M
Analysts80
Price Target6.97 (7.15%)
Short Float %4.71%
Short Ratio5.14
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)1
Avg EPS beat(2)-5394.19%
Min EPS beat(2)-10872.2%
Max EPS beat(2)83.82%
EPS beat(4)2
Avg EPS beat(4)-2756.38%
Min EPS beat(4)-10872.2%
Max EPS beat(4)213.73%
EPS beat(8)5
Avg EPS beat(8)-1283.9%
EPS beat(12)8
Avg EPS beat(12)-848.57%
EPS beat(16)11
Avg EPS beat(16)-633.71%
Revenue beat(2)1
Avg Revenue beat(2)-10.58%
Min Revenue beat(2)-22.09%
Max Revenue beat(2)0.93%
Revenue beat(4)2
Avg Revenue beat(4)-4.06%
Min Revenue beat(4)-22.09%
Max Revenue beat(4)9.06%
Revenue beat(8)3
Avg Revenue beat(8)-4.86%
Revenue beat(12)4
Avg Revenue beat(12)-5.64%
Revenue beat(16)5
Avg Revenue beat(16)-4.25%
PT rev (1m)0%
PT rev (3m)-0.61%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-34.78%
EPS NY rev (1m)0%
EPS NY rev (3m)-1285.71%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.47%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.65%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 22.3
P/S 2.15
P/FCF N/A
P/OCF N/A
P/B 0.59
P/tB 0.59
EV/EBITDA N/A
EPS(TTM)-1.77
EYN/A
EPS(NY)0.29
Fwd EY4.48%
FCF(TTM)-0.39
FCFYN/A
OCF(TTM)-0.35
OCFYN/A
SpS3.03
BVpS11.08
TBVpS11.04
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -1.35%
ROE -17.56%
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 1.74
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 34.36%
Cap/Sales 1.34%
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
WACC18.78%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
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 Y116.48%
EPS Next 2Y50.79%
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%-26.65%
Revenue Next Year6.86%
Revenue Next 2Y9.64%
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-20.44%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-28.38%
OCF growth 3YN/A
OCF growth 5YN/A

FIRST FOUNDATION INC / FFWM 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.


How profitable is FIRST FOUNDATION INC (FFWM) stock?

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


What is the financial health of FIRST FOUNDATION INC (FFWM) stock?

The financial health rating of FIRST FOUNDATION INC (FFWM) is 0 / 10.


What is the expected EPS growth for FIRST FOUNDATION INC (FFWM) stock?

The Earnings per Share (EPS) of FIRST FOUNDATION INC (FFWM) is expected to grow by 116.48% in the next year.