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FFWM logoFirst Foundation Inc.(FFWM)Earnings, Financials & Key Ratios

FFWM•NASDAQ•Banking & Credit
$5.90
$489M mkt cap·Price updated May 1, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryBanks with large fee businesses
AboutFirst 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.Show more
  • Net Interest Income$187M+2.6%
  • Total Revenue$588M+22.2%
  • Net Income-$155M-67.9%
  • Return on Equity-15.78%-69.0%
  • Net Interest Margin1.57%+9.0%
  • Efficiency Ratio41.13%+16.6%
  • ROA-1.26%-77.6%
  • Equity / Assets7.67%-8.0%
  • Book Value per Share11.06-31.1%
  • Tangible BV/Share11.03-31.1%
  • Debt/Equity1.76+15.8%
Technical→

FFWM Key Insights

First Foundation Inc. (FFWM) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Efficient operations: 41.1% efficiency ratio
  • ✓Trading at only 0.5x book value

✗Weaknesses

  • ✗Weak NIM of 1.6%
  • ✗Shares diluted 25.8% in last year

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

FFWM Price & Volume

First Foundation Inc. (FFWM) stock price & volume — 10-year historical chart

Loading chart...

FFWM Growth Metrics

First Foundation Inc. (FFWM) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years20.23%
5 Years15.11%
3 Years12.44%
TTM-

Profit CAGR

10 Years-
5 Years-
3 Years-
TTM-67.91%

EPS CAGR

10 Years-
5 Years-
3 Years-
TTM-41.79%

Return on Capital

10 Years3.59%
5 Years1.53%
3 Years-4.61%
Last Year-0.98%

FFWM Recent Earnings

First Foundation Inc. (FFWM) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 8/12 qtrs (80%)●Beat Revenue 0/12 qtrs (0%)
Q2 2026Latest
Mar 16, 2026
EPS
$0.10
Revenue
$136M
Q1 2026
Jan 29, 2026
EPS
$0.04
Est $0.02
-300.0%
Revenue
$48M
Est $58M
-17.1%
Q4 2025
Oct 30, 2025
EPS
$0.16
Est $0.01
+1180.0%
Revenue
$55M
Est $59M
-7.7%
Q3 2025
Jul 31, 2025
EPS
$0.09
Est $0.02
-600.0%
Revenue
$38M
Est $65M
-40.6%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMar 16, 2026
$0.10
$136M
Q1 2026Jan 29, 2026
$0.04vs $0.02-300.0%
$48Mvs $58M-17.1%
Q4 2025Oct 30, 2025
$0.16vs $0.01+1180.0%
$55Mvs $59M-7.7%
Q3 2025Jul 31, 2025
$0.09vs $0.02-600.0%
$38Mvs $65M-40.6%
Based on last 12 quarters of dataView full earnings history →

FFWM Peer Comparison

First Foundation Inc. (FFWM) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
BANR logoBANRBanner CorporationDirect Competitor2.24B66.2311.74-0.95%10.34%0.19
CVBF logoCVBFCVB Financial Corp.Direct Competitor2.8B20.6313.57-2.33%9.25%0.43
WAFD logoWAFDWaFd, Inc.Direct Competitor2.72B35.6413.55-1.58%8.02%0.60
BOKF logoBOKFBOK Financial CorporationDirect Competitor10.44B135.5416.6510.4%8.91%0.80
SFNC logoSFNCSimmons First National CorporationDirect Competitor3.13B21.59-7.32-56.66%-11.63%0.19
EWBC logoEWBCEast West Bancorp, Inc.Product Competitor17.23B125.2213.154.63%15.77%0.36
COLB logoCOLBColumbia Banking System, Inc.Product Competitor7.19B30.2013.138.35%8.39%0.51
HOMB logoHOMBHome Bancshares, Inc.Product Competitor5.32B27.0313.459.47%10.86%0.30

Compare FFWM vs Peers

First Foundation Inc. (FFWM) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs BANR

Most directly comparable listed peer for FFWM.

Scale Benchmark

vs SCHW

Larger-name benchmark to compare FFWM against a more recognizable public peer.

Peer Set

Compare Top 5

vs BANR, CVBF, WAFD, BOKF

FFWM Income Statement

First Foundation Inc. (FFWM) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income113.62M155.61M169.95M196.64M233.28M318.69M202.31M182.64M187.4M
NII Growth %27.02%36.96%9.22%15.7%18.63%36.61%-36.52%-9.72%2.61%
Net Interest Margin %2.5%2.66%2.69%2.83%2.29%2.45%1.52%1.44%1.57%
Interest Income136.8M207.31M248.76M243.89M247.22M403.88M573.69M611M540.99M
Interest Expense23.18M51.7M78.81M47.25M13.93M85.19M371.39M428.35M353.59M
Loan Loss Provision2.76M4.22M2.64M6.75M3.87M532K-482K20.7M64.31M
Non-Interest Income31.68M20.69M23.92M47.2M61.68M10.06M-27.45M-129.46M47.37M
Non-Interest Income %18.8%9.08%8.77%16.22%19.97%2.43%-5.03%-26.88%8.05%
Total Revenue
168.48M▲ 0%
228M▲ 35.3%
272.68M▲ 19.6%
291.09M▲ 6.8%
308.9M▲ 6.1%
413.93M▲ 34.0%
546.24M▲ 32.0%
481.54M▼ 11.8%
588.36M▲ 22.2%
Revenue Growth %26.18%35.33%19.6%6.75%6.12%34%31.96%-11.84%22.18%
Non-Interest Expense91.94M112M111.74M118.33M139.31M178.41M375.4M169.87M242.02M
Efficiency Ratio54.57%49.12%40.98%40.65%45.1%43.1%68.72%35.28%41.13%
Operating Income
50.6M▲ 0%
60.09M▲ 18.7%
79.5M▲ 32.3%
118.77M▲ 49.4%
151.78M▲ 27.8%
149.8M▼ 1.3%
-200.06M▼ 233.6%
-137.38M▲ 31.3%
-71.55M▲ 47.9%
Operating Margin %30.03%26.35%29.15%40.8%49.14%36.19%-36.63%-28.53%-12.16%
Operating Income Growth %32%18.75%32.31%49.39%27.8%-1.31%-233.55%31.33%47.92%
Pretax Income
50.6M▲ 0%
60.09M▲ 18.7%
79.5M▲ 32.3%
118.77M▲ 49.4%
151.78M▲ 27.8%
149.8M▼ 1.3%
-200.06M▼ 233.6%
-137.38M▲ 31.3%
-71.55M▲ 47.9%
Pretax Margin %30.03%26.35%29.15%40.8%49.14%36.19%-36.63%-28.53%-12.16%
Income Tax23.02M17.13M23.26M34.4M42.27M39.29M-1M-44.97M83.61M
Effective Tax Rate %45.49%28.51%29.26%28.96%27.85%26.23%0.5%32.74%-116.87%
Net Income
27.58M▲ 0%
42.96M▲ 55.7%
56.24M▲ 30.9%
84.37M▲ 50.0%
109.51M▲ 29.8%
110.51M▲ 0.9%
-199.06M▼ 280.1%
-92.41M▲ 53.6%
-155.16M▼ 67.9%
Net Margin %16.37%18.84%20.62%28.98%35.45%26.7%-36.44%-19.19%-26.37%
Net Income Growth %18.36%55.75%30.92%50.02%29.8%0.91%-280.13%53.58%-67.91%
Net Income (Continuing)27.58M42.96M56.24M84.37M109.51M110.51M-199.06M-92.41M-155.16M
EPS (Diluted)
0.78▲ 0%
1.01▲ 29.5%
1.25▲ 23.8%
1.88▲ 50.4%
2.41▲ 28.2%
1.96▼ 18.7%
-3.53▼ 280.1%
-1.41▲ 60.1%
-1.88▼ 33.3%
EPS Growth %11.43%29.49%23.76%50.4%28.19%-18.67%-280.1%60.06%-33.33%
EPS (Basic)0.801.021.261.892.421.96-3.53-1.41-1.88
Diluted Shares Outstanding35.33M42.57M44.91M44.9M44.9M56.49M56.43M65.6M82.51M

FFWM Balance Sheet

First Foundation Inc. (FFWM) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments639.76M876.88M1.08B1.44B2.31B882.65M2.03B2.33B4.06B
Cash & Due from Banks120.39M67.31M65.39M629.71M1.12B656.49M1.33B1.02B1.62B
Short Term Investments519.36M809.57M1.01B807.43M1.19B226.16M703.23M1.31B2.43B
Total Investments4.32B5.59B6.04B6.09B8.57B11.78B11.64B11.25B10.02B
Investments Growth %30.85%29.47%8.1%0.79%40.6%37.54%-1.19%-3.34%-10.96%
Long-Term Investments3.8B4.78B5.03B5.29B7.37B11.56B10.94B9.94B7.54B
Accounts Receivables0000051.36M54.16M54.8M45.82M
Goodwill & Intangibles33.58M0095.3M222.13M221.84M4.95M3.56M2.4M
Goodwill27.28M0000215.25M000
Intangible Assets6.3M0095.3M222.13M6.58M4.95M3.56M2.4M
PP&E (Net)6.58M9.14M8.36M8.01M37.92M36.14M39.92M35.81M34.66M
Other Assets49.42M59.34M87.59M123.11M227.8M242.99M231.04M205.21M-7.54B
Total Current Assets639.76M876.88M1.08B1.44B2.31B934.01M2.09B2.38B4.1B
Total Non-Current Assets3.9B4.96B5.23B5.52B7.88B12.08B11.24B10.26B37.06M
Total Assets
4.54B▲ 0%
5.84B▲ 28.6%
6.31B▲ 8.1%
6.96B▲ 10.2%
10.2B▲ 46.6%
13.01B▲ 27.6%
13.33B▲ 2.4%
12.65B▼ 5.1%
11.9B▼ 5.9%
Asset Growth %14.23%28.61%8.12%10.18%46.56%27.64%2.41%-5.12%-5.86%
Return on Assets (ROA)0.65%0.83%0.93%1.27%1.28%0.95%-1.51%-0.71%-1.26%
Accounts Payable24.71M40.26M66.42M79.02M110.07M147.25M000
Total Debt678M708M743M269M210.13M1.37B1.58B1.6B1.6B
Net Debt557.61M640.69M677.61M-360.71M-911.63M713.44M255.82M582.7M-20.83M
Long-Term Debt678M708M743M269M210.13M1.37B1.58B1.6B1.6B
Short-Term Debt0000173.07M1.18B515.84M431.82M24.79M
Other Liabilities000000130.52M122.8M9.39B
Total Current Liabilities3.47B4.57B4.96B5.99B8.92B10.51B10.69B9.87B24.79M
Total Non-Current Liabilities678M708M743M269M210.13M1.37B1.71B1.72B10.99B
Total Liabilities4.15B5.28B5.7B6.26B9.13B11.88B12.4B11.59B10.99B
Total Equity
394.95M▲ 0%
559.18M▲ 41.6%
613.87M▲ 9.8%
695.71M▲ 13.3%
1.06B▲ 52.9%
1.13B▲ 6.6%
925.34M▼ 18.4%
1.05B▲ 13.8%
912.59M▼ 13.4%
Equity Growth %38.94%41.58%9.78%13.33%52.94%6.61%-18.43%13.83%-13.36%
Equity / Assets (Capital Ratio)8.7%9.57%9.72%10%10.44%8.72%6.94%8.33%7.67%
Return on Equity (ROE)8.12%9%9.59%12.88%12.45%10.05%-19.33%-9.34%-15.78%
Book Value per Share11.1813.1413.6715.4923.7020.0816.4016.0611.06
Tangible BV per Share10.2313.1413.6713.3718.7516.1516.3116.0011.03
Common Stock38K44K45K45K56K56K56K82K83K
Additional Paid-in Capital314.5M431.83M433.77M433.94M720.74M719.61M720.9M849.51M855.27M
Retained Earnings85.5M128.46M175.77M247.64M340.98M426.66M218.57M125.04M-30.12M
Accumulated OCI-5.09M-1.15M4.28M14.09M2.27M-11.94M-14.19M-8.91M556K
Treasury Stock000000000
Preferred Stock000000087.65M86.8M

FFWM Cash Flow Statement

First Foundation Inc. (FFWM) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations37.87M50.98M60.44M67.44M96.94M101.49M7.92M-8.78M-31.91M
Operating CF Growth %91.56%34.61%18.55%11.59%43.73%4.7%-92.19%-210.85%-263.22%
Net Income27.58M42.96M56.24M84.37M109.51M110.51M-199.06M-92.41M-155.16M
Depreciation & Amortization3.33M5.87M6.61M6.63M6.84M8.71M8.2M7.97M0
Deferred Taxes4.51M1.19M-73K-1.58M-1.58M487K-3.61M-49.77M0
Other Non-Cash Items-4.96M-2.85M-8.54M2.25M-4.76M1.03M207.4M120.54M149.77M
Working Capital Changes5.57M1.18M4.58M-26.31M-15.84M-22.71M-6.68M2.92M-26.52M
Cash from Investing-568.98M-679.55M-427.04M-24.9M-79.37M-3.25B132.78M287.36M1.22B
Purchase of Investments-29.34M-365.52M-577.8M-56.63M-454.79M-172.65M-667.47M-1.87B0
Sale/Maturity of Investments135.77M91.18M379.47M270.48M271.65M252.66M266.74M1.36B0
Net Investment Activity106.43M-274.34M-198.33M213.85M-183.14M80.01M-400.73M-514.89M0
Acquisitions91.02M47.58M001.15B0000
Other Investing-764.19M-450.08M-226.48M-235.88M-1.04B-3.32B541.72M804.98M1.22B
Cash from Financing53.56M575.49M364.68M521.77M474.49M2.68B529.44M-589.08M-580.99M
Dividends Paid00-8.93M-12.5M-16.17M-24.83M-9.02M-1.13M0
Share Repurchases0-497K-23K-2.82M-1.72M-4.62M-538K-149K-433K
Stock Issued28.39M13.7M334K915K2.76M18K158K214.48M1K
Net Stock Activity28.39M13.2M311K-1.91M1.04M-4.61M-380K214.33M-432K
Debt Issuance (Net)-1000K-1000K1000K-1000K-1000K1000K1000K1000K1000K
Other Financing605.17M611.86M338.29M1.01B727.54M1.55B326.32M-818.65M-585.71M
Net Change in Cash
-477.55M▲ 0%
-53.08M▲ 88.9%
-1.93M▲ 96.4%
564.32M▲ 29415.3%
492.05M▼ 12.8%
-465.26M▼ 194.6%
670.13M▲ 244.0%
-310.5M▼ 146.3%
608.74M▲ 296.1%
Exchange Rate Effect000000000
Cash at Beginning597.95M120.39M67.31M65.39M629.71M1.12B656.49M1.33B1.02B
Cash at End120.39M67.31M65.39M629.71M1.12B656.49M1.33B1.02B1.62B
Interest Paid21.7M46.04M75.15M56.99M15.27M75.67M0400.64M0
Income Taxes Paid14.65M16.65M23.62M31.31M39.51M41.01M0177K0
Free Cash Flow
35.64M▲ 0%
48.27M▲ 35.5%
58.21M▲ 20.6%
64.58M▲ 10.9%
93.73M▲ 45.1%
96.91M▲ 3.4%
-287K▼ 100.3%
-11.51M▼ 3910.5%
-35.22M▼ 206.0%
FCF Growth %157.59%35.45%20.59%10.95%45.13%3.39%-100.3%-3910.45%-206%

FFWM Banking Ratios

First Foundation Inc. (FFWM) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)8.57%8.12%9%9.59%12.88%12.45%10.05%-19.33%-9.34%-15.78%
Return on Assets (ROA)0.71%0.65%0.83%0.93%1.27%1.28%0.95%-1.51%-0.71%-1.26%
Net Interest Margin2.25%2.5%2.66%2.69%2.83%2.29%2.45%1.52%1.44%1.57%
Efficiency Ratio59.4%54.57%49.12%40.98%40.65%45.1%43.1%68.72%35.28%41.13%
Equity / Assets7.15%8.7%9.57%9.72%10%10.44%8.72%6.94%8.33%7.67%
Book Value / Share8.4911.1813.1413.6715.4923.720.0816.416.0611.06
NII Growth53.72%27.02%36.96%9.22%15.7%18.63%36.61%-36.52%-9.72%2.61%
Dividend Payout---15.87%14.82%14.77%22.47%---

FFWM SEC Filings & Documents

First Foundation Inc. (FFWM) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 1, 2026·SEC

Material company update

Mar 31, 2026·SEC

Material company update

Mar 12, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 16, 2026·SEC

FY 2025

Mar 17, 2025·SEC

FY 2024

Feb 28, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 10, 2025·SEC

FY 2025

Aug 11, 2025·SEC

FY 2025

May 9, 2025·SEC

FFWM Frequently Asked Questions

First Foundation Inc. (FFWM) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

First Foundation Inc. (FFWM) grew revenue by 22.2% over the past year. This is strong growth.

First Foundation Inc. (FFWM) reported a net loss of $155.2M for fiscal year 2025.

Dividend & Returns

First Foundation Inc. (FFWM) has a return on equity (ROE) of -15.8%. Negative ROE indicates the company is unprofitable.

Industry Metrics

First Foundation Inc. (FFWM) has a net interest margin (NIM) of 1.6%. NIM has been under pressure due to interest rate environment.

First Foundation Inc. (FFWM) has an efficiency ratio of 41.1%. This is excellent, indicating strong cost control.

Explore More FFWM

First Foundation Inc. (FFWM) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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