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FFWM
First Foundation Inc.
$5.9
0.14
(2.43%)
[ms_data_label text=’Delayed data’]
| Exchange: | NYSE |
| Market Cap: | 489.265M |
| Shares Outstanding: | 12.329M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Simone F. Lagomarsino | |||||
| Full Time Employees: | 561 | |||||
| Address: |
| |||||
| Website: | https://www.firstfoundationinc.com |
First Foundation Inc., through its subsidiaries, provides personal banking, business banking, and private wealth management services in the United States. It operates through two segments, Banking and Wealth Management. The company offers a range of bank deposit products, including personal and business checking accounts, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, and time certificate of deposits; and loan products consisting of multifamily and single family residential real estate loans, commercial real estate loans, and commercial term loans and line of credits, as well as consumer loans, such as personal installment loans and line of credits, and home equity line of credits. It also provides various specialized services comprising trust services, internet and mobile banking, remote deposit capture services, merchant credit card services, ATM cards, Visa debit cards, and business sweep accounts, as well as insurance brokerage services and equipment financing solutions. In addition, the company offers investment management and financial planning services; treasury management services; advisory and coordination services in the areas of estate planning, retirement planning, and charitable and business ownership issues; and financial, investment, and economic advisory and related services. Further, it provides support services, including the processing and transmission of financial and economic data for charitable organizations. The company operates through a network of 28 branch offices and 3 loan production offices in California, Nevada, Texas, and Hawaii. First Foundation Inc. was founded in 1985 and is headquartered in Dallas, Texas.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 546,236 | 481,538 | 588,363 |
| Gross Profit | 175,332 | 32,486 | 170,471 |
| EBITDA | -191,865 | -129,405 | -71,545 |
| Operating Income | -200,064 | -137,380 | -71,545 |
| Net Income | -199,064 | -92,407 | -155,157 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 13,327,248 | 12,645,265 | 11,904,077 |
| Total Liabilities | 12,401,905 | 11,591,902 | 10,991,490 |
| Total Stockholders Equity | 925,343 | 1,053,363 | 912,587 |
| Total Debt | 1,582,453 | 1,598,828 | 1,604,039 |
| Cash and Cash Equivalents | 1,326,629 | 1,016,132 | 1,624,870 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 7,924 | -8,784 | -31,905 |
| Capital Expenditure | -8,211 | -2,726 | -3,316 |
| Free Cash Flow | -287 | -11,510 | -35,221 |
| Net Income | -199,064 | -92,407 | -155,157 |
| Net Change in Cash | 670,135 | -310,497 | 608,738 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2027 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 260,617.390 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 267,582.609 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 264,100 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 8,073.462 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 8,289.232 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 8,181.347 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 22,100.061 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 26,519.908 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 24,309.985 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 57,476.579 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 59,012.689 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 58,244.634 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 0.300 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 0.320 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 0.270 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 1 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 1 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Strengths (preview)
- Solid Revenue Performance: FFWM has demonstrated consistent revenue generation as per the latest income statements, supported by strong gross profit margins (grossProfitMarginTTM). This indicates effective core operations within the banking and financial services sector.
- Strong Liquidity Position: The balance sheet reflects a healthy level of cash and cash equivalents alongside a favorable current ratio (currentRatioTTM), suggesting FFWM is well-positioned to meet short-term obligations and weather financial downturns.
- Positive Operating Cash Flow: Cash flow statements highlight robust net cash provided by operating activities, indicating operational efficiency and the ability to generate cash internally to fund growth or reduce debt.
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Intrinsic Value Calculator
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Common questions about FFWM valuation
Is First Foundation Inc. (FFWM) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for First Foundation Inc. (FFWM) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is FFWM a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether FFWM trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is FFWM’s P/E ratio?
You can see FFWM’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for FFWM?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is FFWM a good long-term investment?
Whether FFWM fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
FFWM
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
[ms_data_label text="Daily snapshot"]
2.43
Trading Metrics:
| Open: | [ms_cell_or_dash table='trading_quote' column='open'] | Previous Close: | [ms_cell_or_dash table='trading_quote' column='previousClose'] | |
| Day Low: | [ms_cell_or_dash table='trading_quote' column='dayLow'] | Day High: | [ms_cell_or_dash table='trading_quote' column='dayHigh'] | |
| Year Low: | 4.42 | Year High: | 6.72 | |
| Price Avg 50: | 6.04 | Price Avg 200: | 5.69 | |
| Volume: | 2.291M | Average Volume: | 863391 |
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Welcome to MARKETSNAP’s SWOT analysis for First Foundation Inc., also known by its ticker FFWM. If you’re a long-term investor looking to build wealth, you’ve come to the right place. Today, we’re diving deep into this financial services company to break down its strengths, weaknesses, opportunities, and threats. I’ll keep this conversational and packed with insights, so let’s get started with a quick overview of who they are and what’s been happening lately, before we jump into the nitty-gritty. Overview…
