Logo image of FFWM

FIRST FOUNDATION INC (FFWM) Stock Fundamental Analysis

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

5.01  -0.16 (-3.09%)

After market: 5.01 0 (0%)

Fundamental Rating

1

Overall FFWM gets a fundamental rating of 1 out of 10. We evaluated FFWM against 405 industry peers in the Banks industry. FFWM has a bad profitability rating. Also its financial health evaluation is rather negative. FFWM is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

Quickly go to:

1

1. Profitability

1.1 Basic Checks

In the past year FFWM has reported negative net income.
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.
FFWM had a positive operating cash flow in 4 of the past 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M

1.2 Ratios

FFWM's Return On Assets of -0.57% is on the low side compared to the rest of the industry. FFWM is outperformed by 96.74% of its industry peers.
With a Return On Equity value of -7.08%, FFWM is not doing good in the industry: 97.99% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -0.57%
ROE -7.08%
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

More info and screens

0

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.
Compared to 5 years ago, FFWM has more shares outstanding
FFWM has a worse 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

FFWM has a Debt/Equity ratio of 0.44. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of FFWM (0.44) is worse than 73.93% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.44
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC16.29%
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 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 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 -515.63%.
Looking at the last year, FFWM shows a very negative growth in Revenue. The Revenue has decreased by -53.60% in the last year.
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)-515.62%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-440%
Revenue 1Y (TTM)-53.6%
Revenue growth 3Y-27.29%
Revenue growth 5Y-11.23%
Sales Q2Q%14.74%

3.2 Future

The Earnings Per Share is expected to grow by 52.52% on average over the next years. This is a very strong growth
FFWM is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.38% yearly.
EPS Next Y115.2%
EPS Next 2Y52.52%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year19.37%
Revenue Next 2Y15.38%
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M
FFWM Yearly EPS VS EstimatesFFWM Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 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 24.78.
Based on the Price/Forward Earnings ratio, FFWM is valued a bit more expensive than 78.70% of the companies in the same industry.
FFWM's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 22.68.
Industry RankSector Rank
PE N/A
Fwd PE 24.78
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

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 52.52% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y52.52%
EPS Next 3YN/A

More info and screens

3

5. Dividend

5.1 Amount

FFWM has a yearly dividend return of 0.77%, which is pretty low.
The stock price of FFWM dropped by -37.61% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
With a Dividend Yield of 0.77, FFWM pays less dividend than the industry average, which is at 3.18. 83.46% of the companies listed in the same industry pay a better dividend than FFWM!
Compared to an average S&P500 Dividend Yield of 2.27, FFWM's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.77%

5.2 History

On average, the dividend of FFWM grows each year by 30.06%, which is quite nice.
FFWM has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)30.06%
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.
FFWM's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-2.18%
EPS Next 2Y52.52%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M

More info and screens

FIRST FOUNDATION INC

NYSE:FFWM (2/21/2025, 8:17:52 PM)

After market: 5.01 0 (0%)

5.01

-0.16 (-3.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30 2025-01-30/bmo
Earnings (Next)04-23 2025-04-23/bmo
Inst Owners84.75%
Inst Owner Change-86.04%
Ins Owners2%
Ins Owner Change49.38%
Market Cap412.62M
Analysts74.55
Price Target7.4 (47.7%)
Short Float %2.91%
Short Ratio4.46
Dividend
Industry RankSector Rank
Dividend Yield 0.77%
Yearly Dividend0.16
Dividend Growth(5Y)30.06%
DP-2.18%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)321.64%
Min EPS beat(2)-121.77%
Max EPS beat(2)765.05%
EPS beat(4)3
Avg EPS beat(4)188.59%
Min EPS beat(4)-121.77%
Max EPS beat(4)765.05%
EPS beat(8)6
Avg EPS beat(8)105.33%
EPS beat(12)9
Avg EPS beat(12)73.85%
EPS beat(16)13
Avg EPS beat(16)59.14%
Revenue beat(2)1
Avg Revenue beat(2)0.54%
Min Revenue beat(2)-1.32%
Max Revenue beat(2)2.4%
Revenue beat(4)1
Avg Revenue beat(4)-5.66%
Min Revenue beat(4)-12.02%
Max Revenue beat(4)2.4%
Revenue beat(8)2
Avg Revenue beat(8)-6.43%
Revenue beat(12)3
Avg Revenue beat(12)-4.31%
Revenue beat(16)7
Avg Revenue beat(16)-1.91%
PT rev (1m)-6.45%
PT rev (3m)-6.45%
EPS NQ rev (1m)31.94%
EPS NQ rev (3m)31.94%
EPS NY rev (1m)-56.08%
EPS NY rev (3m)-56.85%
Revenue NQ rev (1m)0.58%
Revenue NQ rev (3m)0.58%
Revenue NY rev (1m)-9.12%
Revenue NY rev (3m)-8.84%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 24.78
P/S 3.8
P/FCF N/A
P/OCF N/A
P/B 0.39
P/tB 0.39
EV/EBITDA N/A
EPS(TTM)-1.33
EYN/A
EPS(NY)0.2
Fwd EY4.04%
FCF(TTM)-0.32
FCFYN/A
OCF(TTM)-0.27
OCFYN/A
SpS1.32
BVpS12.99
TBVpS12.94
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.57%
ROE -7.08%
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 0.44
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 51.73%
Cap/Sales 3.94%
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
WACC16.29%
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)-515.62%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-440%
EPS Next Y115.2%
EPS Next 2Y52.52%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-53.6%
Revenue growth 3Y-27.29%
Revenue growth 5Y-11.23%
Sales Q2Q%14.74%
Revenue Next Year19.37%
Revenue Next 2Y15.38%
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-177.24%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-154.04%
OCF growth 3YN/A
OCF growth 5YN/A