FFWM

Company Overview — What Does First Foundation Inc. Do?

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. First Foundation Inc. (FFWM) is classified as a small-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Scott F. Kavanaugh and employs approximately 710 people, headquartered in IRVINE, California. With a market capitalization of $489M, FFWM is one of the notable companies in the Financials sector.

First Foundation Inc. (FFWM) Stock Rating — Reduce (April 2026)

As of April 2026, First Foundation Inc. receives a Reduce rating with a composite score of 38.2/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.FFWM ranks #2,027 out of 4,446 stocks in our coverage universe. Within the Financials sector, First Foundation Inc. ranks #575 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

FFWM Stock Price and 52-Week Range

First Foundation Inc. (FFWM) currently trades at $5.56. The stock lost $0.04 (0.7%) in the most recent trading session. The 52-week high for FFWM is $6.72, which means the stock is currently trading -17.3% from its annual peak. The 52-week low is $4.42, putting the stock 25.9% above its annual trough. Recent trading volume was 797K shares, suggesting relatively thin trading activity.

Is FFWM Overvalued or Undervalued? — Valuation Analysis

First Foundation Inc. (FFWM) carries a value factor score of 20/100 in the Blank Capital model, signaling premium valuation that prices in significant future growth. The price-to-book ratio stands at 0.54x, versus the sector average of 1.22x. The price-to-sales ratio is 0.86x, compared to 0.90x for the average Financials stock.

At current multiples, First Foundation Inc. trades at a premium to most Financials peers. This elevated valuation may be justified if the company can sustain above-average growth rates and profitability, but it also creates downside risk if earnings disappoint expectations.

First Foundation Inc. Profitability — ROE, Margins, and Quality Score

First Foundation Inc. (FFWM) earns a quality factor score of 22/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is -25.1%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at -1.9% versus the sector average of 1.2%.

On a margin basis, First Foundation Inc. reports gross margins of 0.0%. The operating margin is -30.4% (sector: 21.8%). Net profit margin stands at -40.4%, versus 17.7% for the average Financials stock. Revenue growth is running at -10.7% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

FFWM Debt, Balance Sheet, and Financial Health

First Foundation Inc. has a debt-to-equity ratio of 1204.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.08x, suggesting adequate working capital coverage. Total debt on the balance sheet is $1.60B. Cash and equivalents stand at $1.73B.

FFWM has a beta of 0.82, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for First Foundation Inc. is 68/100, reflecting average volatility within the normal range for its sector.

First Foundation Inc. Revenue and Earnings History — Quarterly Trend

In TTM 2026, First Foundation Inc. reported revenue of $571M and earnings per share (EPS) of $-1.88. Net income for the quarter was $-229M. Gross margin was 0.0%. Operating income came in at $-181M.

In FY 2025, First Foundation Inc. reported revenue of $34M and earnings per share (EPS) of $-1.88. Net income for the quarter was $-155M. Revenue grew -5.1% year-over-year compared to FY 2024. Operating income came in at $-72M.

In Q3 2025, First Foundation Inc. reported revenue of $135M and earnings per share (EPS) of $-1.78. Net income for the quarter was $-146M. Revenue grew -14.3% year-over-year compared to Q3 2024. Operating income came in at $-59M.

In Q2 2025, First Foundation Inc. reported revenue of $137M and earnings per share (EPS) of $-0.09. Net income for the quarter was $-8M. Revenue grew -9.1% year-over-year compared to Q2 2024. Operating income came in at $-11M.

Over the past 8 quarters, First Foundation Inc. has demonstrated a growth trajectory, with revenue expanding from $151M to $571M. Investors analyzing FFWM stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

FFWM Dividend Yield and Income Analysis

First Foundation Inc. (FFWM) does not currently pay a dividend. This is common among smaller companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

FFWM Momentum and Technical Analysis Profile

First Foundation Inc. (FFWM) has a momentum factor score of 47/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 36/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 63/100 reflects moderate short selling activity.

FFWM vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, First Foundation Inc. (FFWM) ranks #575 out of 891 stocks based on the Blank Capital composite score. This places FFWM in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing FFWM against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full FFWM vs S&P 500 (SPY) comparison to assess how First Foundation Inc. stacks up against the broader market across all factor dimensions.

FFWM Next Earnings Date

No upcoming earnings date has been announced for First Foundation Inc. (FFWM) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy FFWM? — Investment Thesis Summary

The quantitative profile for First Foundation Inc. suggests caution. The quality score of 22/100 flags below-average profitability. The value score of 20/100 indicates premium valuation. Low volatility (stability score 68/100) reduces downside risk.

In summary, First Foundation Inc. (FFWM) earns a Reduce rating with a composite score of 38.2/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on FFWM stock.

Related Resources for FFWM Investors

Explore more research and tools: FFWM vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare FFWM head-to-head with peers: FFWM vs WTM, FFWM vs OPY, FFWM vs ACT.