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First Foundation Inc.(FFWM)Earnings, Financials & Key Ratios
FFWM•NASDAQ•Banking & Credit
$5.90
Price updated Jun 20, 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 Price & Volume
First Foundation Inc. (FFWM) stock price & volume — 10-year historical chart
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Structural Margin Compression Challenges First Foundation Solvency
Investment Thesis • Updated 2025Q4
VerdictNegative
Growth:Contracting
Profitability:Negative
Financial Position:Vulnerable
Cash Flow:Deteriorating
Primary Risk:Asset-Liability Duration Mismatch
"First Foundation faces a precarious outlook characterized by a structural duration mismatch between its fixed-rate multifamily loan portfolio and rising deposit costs, which has suppressed net interest margins to a negligible 0.3% as of 2025Q4. The bank's inability to generate consistent organic capital, evidenced by a $146.3 million loss in 2025Q3, necessitates a cautious stance as management attempts to navigate asset contraction and credit uncertainty. Investors should monitor the bank's ability to stabilize its balance sheet, as the current 0.53 price-to-book ratio reflects significant market skepticism regarding the institution's long-term earnings power."
Verdict Logic
the bank's inability to maintain positive net income, highlighted by a -0.9% ROE in 2025Q4, suggests that the current 45.38 forward P/E ratio does not adequately account for ongoing credit and operational risks.
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 →
Peers Comparison
Key metrics vs top competitors for First Foundation Inc. (FFWM)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $5.90 | $489.02M | -3.14 | 22.18% | -26.37% | -15.78% | — | |
| $67.94 | $2.31B | 12.05 | -0.95% | 24.82% | 10.66% | — | |
| $22.46 | $3.05B | 14.78 | -2.33% | 32.4% | 9.16% | — | |
| $38.01 | $2.81B | 14.45 | -1.58% | 18.26% | 8.36% | — | |
| $138.46 | $8.41B | 15.08 | -1.07% | 18.3% | 10.31% | — | |
| $22.97 | $3.33B | -7.79 | -56.66% | -63.53% | -10.51% | — |
Compare FFWM vs Peers
First Foundation Inc. (FFWM) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FFWM SEC Filings & Documents
First Foundation Inc. (FFWM) SEC filings — annual & quarterly reports (10-K, 10-Q)
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FFWM Frequently Asked Questions
First Foundation Inc. (FFWM) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is First Foundation Inc. growing?
First Foundation Inc. (FFWM) grew revenue by 22.2% over the past year. This is strong growth.
Is FFWM profitable?
First Foundation Inc. (FFWM) reported a net loss of $155.2M for fiscal year 2025.
Dividend & Returns
What is FFWM's return on equity?
First Foundation Inc. (FFWM) has a return on equity (ROE) of -15.8%. Negative ROE indicates the company is unprofitable.
Industry Metrics
What is First Foundation Inc.'s net interest margin?
First Foundation Inc. (FFWM) has a net interest margin (NIM) of 1.6%. NIM has been under pressure due to interest rate environment.
What is First Foundation Inc.'s efficiency ratio?
First Foundation Inc. (FFWM) has an efficiency ratio of 41.1%. This is excellent, indicating strong cost control.