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First Foundation Inc.(FFWM)Earnings, Financials & Key Ratios
FFWM•NASDAQ•Banking & Credit
Price updated Jun 8, 2026
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%
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.
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FFWM Price & Volume
First Foundation Inc. (FFWM) stock price & volume — 10-year historical chart
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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
●Beat EPS 8/12 qtrs (80%)●Beat Revenue 0/12 qtrs (0%)
Q2 2026Latest
Mar 16, 2026Metric
Actual
Est
EPS
$0.10
—
Rev
$136M
—
Q1 2026
Jan 29, 2026Metric
Actual
Est
EPS
$0.04-300.0%
$0.02
Rev
$48M-17.1%
$58M
Q4 2025
Oct 30, 2025Metric
Actual
Est
EPS
$0.16+1180.0%
$0.01
Rev
$55M-7.7%
$59M
Q3 2025
Jul 31, 2025Metric
Actual
Est
EPS
$0.09-600.0%
$0.02
Rev
$38M-40.6%
$65M
| 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% |
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
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 BANR | 2.2B | 64.83 | 11.49 | -0.95% | 23.84% | 10.34% | 0.19 | |
 CVBF | 2.83B | 20.81 | 13.69 | -2.33% | 32.48% | 9.25% | 0.43 | |
 WAFD | 2.81B | 36.48 | 13.87 | -1.58% | 17.46% | 8.02% | 0.60 | |
 BOKF | 7.92B | 130.33 | 14.20 | -1.07% | 17.38% | 9.79% | 0.78 | |
 SFNC | 3.18B | 21.90 | -7.42 | -56.66% | -64.33% | -11.48% | 0.19 | |
 EWBC | 17.45B | 126.81 | 13.32 | 4.63% | 28.27% | 15.77% | 0.36 | |
 COLB | 7.27B | 30.55 | 13.28 | 8.35% | 17.11% | 8.39% | 0.51 | |
 HOMB | 5.47B | 27.65 | 11.47 | -5.35% | 34.59% | 11.43% | 0.22 |
Compare FFWM vs Peers
First Foundation Inc. (FFWM) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FFWM Income Statement
First Foundation Inc. (FFWM) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | 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 |
FFWM Balance Sheet
First Foundation Inc. (FFWM) balance sheet — assets, liabilities & shareholders' equity
| Metric | 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 |
FFWM Cash Flow Statement
First Foundation Inc. (FFWM) cash flow — operating, investing & free cash flow history
| Metric | 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% |
FFWM Banking Ratios
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% | - | - | - |
Related:FFWM Dividend History·FFWM Revenue History·FFWM Price History·FFWM P/E History·FFWM Financial Ratios·FFWM Institutional Holders
FFWM SEC Filings & Documents
First Foundation Inc. (FFWM) SEC filings — annual & quarterly reports (10-K, 10-Q)
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.