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Earnings transcript
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FFWM
First Foundation Inc.
$5.9
0.14
(2.43%)
| Exchange: | NYSE |
| Market Cap: | 489.265M |
| Shares Outstanding: | 12.329M |
Delayed data
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. delivers a comprehensive suite of financial services across the United States, catering to personal banking clients, businesses, and individuals requiring private wealth management. Its operations are distinctly divided into two primary segments: Banking and Wealth Management. Within its banking arm, the company offers a diverse array of deposit accounts, including personal and business checking, savings accounts, interest-bearing Negotiable Order of Withdrawal (NOW) accounts, money market accounts, and time certificates of deposit. For lending needs, First Foundation provides a broad spectrum of options, such as real estate loans for both multi-family and single-family residences, commercial property financing, commercial term loans, and lines of credit. Consumer lending further extends to personal installment loans, personal lines of credit, and home equity lines of credit. Beyond core banking, the firm extends various specialized services, including trust services, convenient internet and mobile banking platforms, remote deposit capture capabilities, merchant credit card processing, ATM and Visa debit cards, and business sweep accounts. It also facilitates insurance brokerage and equipment financing solutions. The Wealth Management segment focuses on comprehensive investment management, financial planning, and treasury management services. It provides expert advisory and coordination in critical areas like estate planning, retirement planning, charitable giving, and business ownership issues, alongside general financial, investment, and economic guidance. A unique offering includes support services for charitable organizations, involving the processing and transmission of financial and economic data. Established in 1985 and headquartered in Dallas, Texas, First Foundation Inc. maintains a physical presence through 28 branch offices and 3 loan production offices strategically located across California, Nevada, Texas, and Hawaii.
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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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Login — it's freeSWOT Analysis
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.
Daily snapshot
2.43
Trading Metrics:
| Open: | 5.88 | Previous Close: | 5.76 | |
| Day Low: | 5.6 | Day High: | 5.93 | |
| 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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Login — it's freeFFWM full analysis
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…
