8-K Announcements
6Apr 1, 2026·SEC
Mar 31, 2026·SEC
Mar 12, 2026·SEC
First Foundation Inc. (FFWM) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
First Foundation Inc. (FFWM) stock price & volume — 10-year historical chart
First Foundation Inc. (FFWM) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
First Foundation Inc. (FFWM) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Mar 16, 2026 | $0.10 | $136M |
| Q1 2026 | Jan 29, 2026 | $0.04vs $0.02-300.0% | $48Mvs $58M-17.1% |
| Q4 2025 | Oct 30, 2025 | $0.16vs $0.01+1180.0% | $55Mvs $59M-7.7% |
| Q3 2025 | Jul 31, 2025 | $0.09vs $0.02-600.0% | $38Mvs $65M-40.6% |
First Foundation Inc. (FFWM) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
First Foundation Inc. (FFWM) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
First Foundation Inc. (FFWM) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 113.62M | 155.61M | 169.95M | 196.64M | 233.28M | 318.69M | 202.31M | 182.64M | 187.4M |
| 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 Income | 136.8M | 207.31M | 248.76M | 243.89M | 247.22M | 403.88M | 573.69M | 611M | 540.99M |
| Interest Expense | 23.18M | 51.7M | 78.81M | 47.25M | 13.93M | 85.19M | 371.39M | 428.35M | 353.59M |
| Loan Loss Provision | 2.76M | 4.22M | 2.64M | 6.75M | 3.87M | 532K | -482K | 20.7M | 64.31M |
| Non-Interest Income | 31.68M | 20.69M | 23.92M | 47.2M | 61.68M | 10.06M | -27.45M | -129.46M | 47.37M |
| 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 Expense | 91.94M | 112M | 111.74M | 118.33M | 139.31M | 178.41M | 375.4M | 169.87M | 242.02M |
| Efficiency Ratio | 54.57% | 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 Tax | 23.02M | 17.13M | 23.26M | 34.4M | 42.27M | 39.29M | -1M | -44.97M | 83.61M |
| 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) | 27.58M | 42.96M | 56.24M | 84.37M | 109.51M | 110.51M | -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) | 0.80 | 1.02 | 1.26 | 1.89 | 2.42 | 1.96 | -3.53 | -1.41 | -1.88 |
| Diluted Shares Outstanding | 35.33M | 42.57M | 44.91M | 44.9M | 44.9M | 56.49M | 56.43M | 65.6M | 82.51M |
First Foundation Inc. (FFWM) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 639.76M | 876.88M | 1.08B | 1.44B | 2.31B | 882.65M | 2.03B | 2.33B | 4.06B |
| Cash & Due from Banks | 120.39M | 67.31M | 65.39M | 629.71M | 1.12B | 656.49M | 1.33B | 1.02B | 1.62B |
| Short Term Investments | 519.36M | 809.57M | 1.01B | 807.43M | 1.19B | 226.16M | 703.23M | 1.31B | 2.43B |
| Total Investments | 4.32B | 5.59B | 6.04B | 6.09B | 8.57B | 11.78B | 11.64B | 11.25B | 10.02B |
| Investments Growth % | 30.85% | 29.47% | 8.1% | 0.79% | 40.6% | 37.54% | -1.19% | -3.34% | -10.96% |
| Long-Term Investments | 3.8B | 4.78B | 5.03B | 5.29B | 7.37B | 11.56B | 10.94B | 9.94B | 7.54B |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 51.36M | 54.16M | 54.8M | 45.82M |
| Goodwill & Intangibles | 33.58M | 0 | 0 | 95.3M | 222.13M | 221.84M | 4.95M | 3.56M | 2.4M |
| Goodwill | 27.28M | 0 | 0 | 0 | 0 | 215.25M | 0 | 0 | 0 |
| Intangible Assets | 6.3M | 0 | 0 | 95.3M | 222.13M | 6.58M | 4.95M | 3.56M | 2.4M |
| PP&E (Net) | 6.58M | 9.14M | 8.36M | 8.01M | 37.92M | 36.14M | 39.92M | 35.81M | 34.66M |
| Other Assets | 49.42M | 59.34M | 87.59M | 123.11M | 227.8M | 242.99M | 231.04M | 205.21M | -7.54B |
| Total Current Assets | 639.76M | 876.88M | 1.08B | 1.44B | 2.31B | 934.01M | 2.09B | 2.38B | 4.1B |
| Total Non-Current Assets | 3.9B | 4.96B | 5.23B | 5.52B | 7.88B | 12.08B | 11.24B | 10.26B | 37.06M |
| 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 Payable | 24.71M | 40.26M | 66.42M | 79.02M | 110.07M | 147.25M | 0 | 0 | 0 |
| Total Debt | 678M | 708M | 743M | 269M | 210.13M | 1.37B | 1.58B | 1.6B | 1.6B |
| Net Debt | 557.61M | 640.69M | 677.61M | -360.71M | -911.63M | 713.44M | 255.82M | 582.7M | -20.83M |
| Long-Term Debt | 678M | 708M | 743M | 269M | 210.13M | 1.37B | 1.58B | 1.6B | 1.6B |
| Short-Term Debt | 0 | 0 | 0 | 0 | 173.07M | 1.18B | 515.84M | 431.82M | 24.79M |
| Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 130.52M | 122.8M | 9.39B |
| Total Current Liabilities | 3.47B | 4.57B | 4.96B | 5.99B | 8.92B | 10.51B | 10.69B | 9.87B | 24.79M |
| Total Non-Current Liabilities | 678M | 708M | 743M | 269M | 210.13M | 1.37B | 1.71B | 1.72B | 10.99B |
| Total Liabilities | 4.15B | 5.28B | 5.7B | 6.26B | 9.13B | 11.88B | 12.4B | 11.59B | 10.99B |
| 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 Share | 11.18 | 13.14 | 13.67 | 15.49 | 23.70 | 20.08 | 16.40 | 16.06 | 11.06 |
| Tangible BV per Share | 10.23 | 13.14 | 13.67 | 13.37 | 18.75 | 16.15 | 16.31 | 16.00 | 11.03 |
| Common Stock | 38K | 44K | 45K | 45K | 56K | 56K | 56K | 82K | 83K |
| Additional Paid-in Capital | 314.5M | 431.83M | 433.77M | 433.94M | 720.74M | 719.61M | 720.9M | 849.51M | 855.27M |
| Retained Earnings | 85.5M | 128.46M | 175.77M | 247.64M | 340.98M | 426.66M | 218.57M | 125.04M | -30.12M |
| Accumulated OCI | -5.09M | -1.15M | 4.28M | 14.09M | 2.27M | -11.94M | -14.19M | -8.91M | 556K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 87.65M | 86.8M |
First Foundation Inc. (FFWM) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 37.87M | 50.98M | 60.44M | 67.44M | 96.94M | 101.49M | 7.92M | -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 Income | 27.58M | 42.96M | 56.24M | 84.37M | 109.51M | 110.51M | -199.06M | -92.41M | -155.16M |
| Depreciation & Amortization | 3.33M | 5.87M | 6.61M | 6.63M | 6.84M | 8.71M | 8.2M | 7.97M | 0 |
| Deferred Taxes | 4.51M | 1.19M | -73K | -1.58M | -1.58M | 487K | -3.61M | -49.77M | 0 |
| Other Non-Cash Items | -4.96M | -2.85M | -8.54M | 2.25M | -4.76M | 1.03M | 207.4M | 120.54M | 149.77M |
| Working Capital Changes | 5.57M | 1.18M | 4.58M | -26.31M | -15.84M | -22.71M | -6.68M | 2.92M | -26.52M |
| Cash from Investing | -568.98M | -679.55M | -427.04M | -24.9M | -79.37M | -3.25B | 132.78M | 287.36M | 1.22B |
| Purchase of Investments | -29.34M | -365.52M | -577.8M | -56.63M | -454.79M | -172.65M | -667.47M | -1.87B | 0 |
| Sale/Maturity of Investments | 135.77M | 91.18M | 379.47M | 270.48M | 271.65M | 252.66M | 266.74M | 1.36B | 0 |
| Net Investment Activity | 106.43M | -274.34M | -198.33M | 213.85M | -183.14M | 80.01M | -400.73M | -514.89M | 0 |
| Acquisitions | 91.02M | 47.58M | 0 | 0 | 1.15B | 0 | 0 | 0 | 0 |
| Other Investing | -764.19M | -450.08M | -226.48M | -235.88M | -1.04B | -3.32B | 541.72M | 804.98M | 1.22B |
| Cash from Financing | 53.56M | 575.49M | 364.68M | 521.77M | 474.49M | 2.68B | 529.44M | -589.08M | -580.99M |
| Dividends Paid | 0 | 0 | -8.93M | -12.5M | -16.17M | -24.83M | -9.02M | -1.13M | 0 |
| Share Repurchases | 0 | -497K | -23K | -2.82M | -1.72M | -4.62M | -538K | -149K | -433K |
| Stock Issued | 28.39M | 13.7M | 334K | 915K | 2.76M | 18K | 158K | 214.48M | 1K |
| Net Stock Activity | 28.39M | 13.2M | 311K | -1.91M | 1.04M | -4.61M | -380K | 214.33M | -432K |
| Debt Issuance (Net) | -1000K | -1000K | 1000K | -1000K | -1000K | 1000K | 1000K | 1000K | 1000K |
| Other Financing | 605.17M | 611.86M | 338.29M | 1.01B | 727.54M | 1.55B | 326.32M | -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 Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 597.95M | 120.39M | 67.31M | 65.39M | 629.71M | 1.12B | 656.49M | 1.33B | 1.02B |
| Cash at End | 120.39M | 67.31M | 65.39M | 629.71M | 1.12B | 656.49M | 1.33B | 1.02B | 1.62B |
| Interest Paid | 21.7M | 46.04M | 75.15M | 56.99M | 15.27M | 75.67M | 0 | 400.64M | 0 |
| Income Taxes Paid | 14.65M | 16.65M | 23.62M | 31.31M | 39.51M | 41.01M | 0 | 177K | 0 |
| 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% |
First Foundation Inc. (FFWM) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 2.25% | 2.5% | 2.66% | 2.69% | 2.83% | 2.29% | 2.45% | 1.52% | 1.44% | 1.57% |
| Efficiency Ratio | 59.4% | 54.57% | 49.12% | 40.98% | 40.65% | 45.1% | 43.1% | 68.72% | 35.28% | 41.13% |
| Equity / Assets | 7.15% | 8.7% | 9.57% | 9.72% | 10% | 10.44% | 8.72% | 6.94% | 8.33% | 7.67% |
| Book Value / Share | 8.49 | 11.18 | 13.14 | 13.67 | 15.49 | 23.7 | 20.08 | 16.4 | 16.06 | 11.06 |
| NII Growth | 53.72% | 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% | - | - | - |
First Foundation Inc. (FFWM) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 1, 2026·SEC
Mar 31, 2026·SEC
Mar 12, 2026·SEC
First Foundation Inc. (FFWM) stock FAQ — growth, dividends, profitability & financials explained
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.
First Foundation Inc. (FFWM) has a return on equity (ROE) of -15.8%. Negative ROE indicates the company is unprofitable.
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.
First Foundation Inc. (FFWM) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates