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FIRST FOUNDATION INC (FFWM) Stock Fundamental Analysis

USA - NYSE:FFWM - US32026V1044 - Common Stock

5.44 USD
+0.14 (+2.64%)
Last: 10/31/2025, 8:04:01 PM
5.44 USD
0 (0%)
After Hours: 10/31/2025, 8:04:01 PM
Fundamental Rating

2

FFWM gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 390 industry peers in the Banks industry. Both the profitability and financial health of FFWM have multiple concerns. FFWM is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

FFWM had positive earnings in the past year.
FFWM had a negative operating cash flow in the past year.
In multiple years FFWM reported negative net income over the last 5 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

FFWM's Return On Assets of -0.84% is on the low side compared to the rest of the industry. FFWM is outperformed by 95.90% of its industry peers.
Looking at the Return On Equity, with a value of -9.24%, FFWM is doing worse than 96.15% of the companies in the same industry.
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

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 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.
FFWM has more shares outstanding than it did 1 year ago.
The number of shares outstanding for FFWM has been increased compared to 5 years ago.
Compared to 1 year ago, FFWM has an improved debt to assets ratio.
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 0.18. This is a healthy value indicating a solid balance between debt and equity.
FFWM's Debt to Equity ratio of 0.18 is in line compared to the rest of the industry. FFWM outperforms 47.44% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC18.98%
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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4

3. Growth

3.1 Past

FFWM shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 109.01%, which is quite impressive.
FFWM shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -53.60%.
Measured over the past years, FFWM shows a very negative growth in Revenue. The Revenue has been decreasing by -11.23% on average per year.
EPS 1Y (TTM)109.01%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%113.01%
Revenue 1Y (TTM)-53.6%
Revenue growth 3Y-27.29%
Revenue growth 5Y-11.23%
Sales Q2Q%4.14%

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
Based on estimates for the next years, FFWM will show a quite strong growth in Revenue. The Revenue will grow by 13.50% on average per year.
EPS Next Y105.37%
EPS Next 2Y49.7%
EPS Next 3Y36.38%
EPS Next 5YN/A
Revenue Next Year6.34%
Revenue Next 2Y8%
Revenue Next 3Y13.5%
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 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 is valuated quite expensively with a Price/Earnings ratio of 54.40.
86.67% of the companies in the same industry are cheaper than FFWM, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.11. FFWM is valued rather expensively when compared to this.
A Price/Forward Earnings ratio of 16.97 indicates a correct valuation of FFWM.
76.92% of the companies in the same industry are cheaper than FFWM, based on the Price/Forward Earnings ratio.
FFWM is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.55, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 54.4
Fwd PE 16.97
FFWM Price Earnings VS Forward Price EarningsFFWM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

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.
FFWM's earnings are expected to grow with 36.38% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.52
PEG (5Y)N/A
EPS Next 2Y49.7%
EPS Next 3Y36.38%

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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 3.51, FFWM's dividend is way lower than its industry peers. On top of this 84.10% 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 2.37.
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 2Y49.7%
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

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FIRST FOUNDATION INC

NYSE:FFWM (10/31/2025, 8:04:01 PM)

After market: 5.44 0 (0%)

5.44

+0.14 (+2.64%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-30 2025-10-30/bmo
Earnings (Next)01-28 2026-01-28/bmo
Inst Owners85.31%
Inst Owner Change-0.02%
Ins Owners2.15%
Ins Owner Change5.38%
Market Cap448.20M
Revenue(TTM)116.77M
Net Income(TTM)-97079000
Analysts78.18
Price Target7.01 (28.86%)
Short Float %5.65%
Short Ratio7.05
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)1.85%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-32.5%
EPS NY rev (1m)45.83%
EPS NY rev (3m)-56.79%
Revenue NQ rev (1m)0.11%
Revenue NQ rev (3m)-6.39%
Revenue NY rev (1m)0.08%
Revenue NY rev (3m)-6.25%
Valuation
Industry RankSector Rank
PE 54.4
Fwd PE 16.97
P/S 3.42
P/FCF N/A
P/OCF N/A
P/B 0.43
P/tB 0.43
EV/EBITDA N/A
EPS(TTM)0.1
EY1.84%
EPS(NY)0.32
Fwd EY5.89%
FCF(TTM)-0.33
FCFYN/A
OCF(TTM)-0.29
OCFYN/A
SpS1.59
BVpS12.75
TBVpS12.72
PEG (NY)0.52
PEG (5Y)N/A
Graham Number5.36
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
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-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
WACC18.98%
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)109.01%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%113.01%
EPS Next Y105.37%
EPS Next 2Y49.7%
EPS Next 3Y36.38%
EPS Next 5YN/A
Revenue 1Y (TTM)-53.6%
Revenue growth 3Y-27.29%
Revenue growth 5Y-11.23%
Sales Q2Q%4.14%
Revenue Next Year6.34%
Revenue Next 2Y8%
Revenue Next 3Y13.5%
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

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.


Can you provide the valuation status for FIRST FOUNDATION INC?

ChartMill assigns a valuation rating of 3 / 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 valuation of FIRST FOUNDATION INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for FIRST FOUNDATION INC (FFWM) is 54.4 and the Price/Book (PB) ratio is 0.43.


Can you provide the dividend sustainability for FFWM stock?

The dividend rating of FIRST FOUNDATION INC (FFWM) is 2 / 10 and the dividend payout ratio is 0%.