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FIRST FOUNDATION INC (FFWM) Stock Fundamental Analysis

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

5.13  +0.2 (+4.06%)

After market: 5.13 0 (0%)

Fundamental Rating

1

We assign a fundamental rating of 1 out of 10 to FFWM. FFWM was compared to 398 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

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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.
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

With a Return On Assets value of -0.57%, FFWM is not doing good in the industry: 95.73% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of -7.08%, FFWM is doing worse than 96.73% of the companies in the same industry.
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

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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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.
FFWM has more shares outstanding than it did 5 years ago.
The debt/assets ratio for FFWM is higher compared to a year ago.
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.
With a Debt to Equity ratio value of 0.44, FFWM is not doing good in the industry: 74.12% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.44
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC16.35%
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

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3

3. Growth

3.1 Past

The earnings per share for FFWM have decreased strongly by -515.63% in the last year.
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

FFWM is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 52.35% yearly.
FFWM is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.07% yearly.
EPS Next Y115.15%
EPS Next 2Y52.35%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year18.71%
Revenue Next 2Y15.07%
Revenue Next 3YN/A
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 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 0 1 -1 2

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2

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 25.47, which means the current valuation is very expensive for FFWM.
Based on the Price/Forward Earnings ratio, FFWM is valued a bit more expensive than the industry average as 78.14% of the companies are valued more cheaply.
FFWM is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 21.44, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 25.47
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 52.35% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y52.35%
EPS Next 3YN/A

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3

5. Dividend

5.1 Amount

With a yearly dividend of 0.80%, FFWM is not a good candidate for dividend investing.
With a Dividend Yield of 0.80, FFWM pays less dividend than the industry average, which is at 3.68. 85.18% of the companies listed in the same industry pay a better dividend than FFWM!
Compared to an average S&P500 Dividend Yield of 2.52, FFWM's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.8%

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

The earnings of FFWM are negative and hence is the payout ratio. FFWM will probably not be able to sustain this dividend level.
The dividend of FFWM is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-2.18%
EPS Next 2Y52.35%
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

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FIRST FOUNDATION INC

NYSE:FFWM (4/23/2025, 8:04:29 PM)

After market: 5.13 0 (0%)

5.13

+0.2 (+4.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30 2025-01-30/bmo
Earnings (Next)04-30 2025-04-30/bmo
Inst Owners84.75%
Inst Owner Change-0.18%
Ins Owners2%
Ins Owner Change49.25%
Market Cap422.56M
Analysts74.55
Price Target7.27 (41.72%)
Short Float %3.38%
Short Ratio4.86
Dividend
Industry RankSector Rank
Dividend Yield 0.8%
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)-1.72%
PT rev (3m)-8.06%
EPS NQ rev (1m)0%
EPS NQ rev (3m)31.94%
EPS NY rev (1m)-0.38%
EPS NY rev (3m)-56.25%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.58%
Revenue NY rev (1m)-0.56%
Revenue NY rev (3m)-9.63%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 25.47
P/S 3.9
P/FCF N/A
P/OCF N/A
P/B 0.39
P/tB 0.4
EV/EBITDA N/A
EPS(TTM)-1.33
EYN/A
EPS(NY)0.2
Fwd EY3.93%
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
WACC16.35%
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 Y115.15%
EPS Next 2Y52.35%
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 Year18.71%
Revenue Next 2Y15.07%
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