First Foundation Inc. (FFWM) Financial Ratios
15 years of historical data (2011–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
N/A
—
5yr avg: 5.45
30Y Low1.3·High35.0
P/FCF
↓
N/A
—
5yr avg: 10.13
30Y Low8.4·High34.5
P/B Ratio
↓
0.53
↓-19% vs avg
5yr avg: 0.66
30Y Low0.4·High1.7
ROE
↓
-15.8%
↑-259% vs avg
5yr avg: -4.4%
30Y Low-19%·High18%
Debt/EBITDA
↑
N/A
—
5yr avg: 4.98
30Y Low1.3·High32.7
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
FFWM Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
First Foundation Inc. currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $489M | $508M | $407M | $546M | $810M | $1.1B | $898M | $781M | $547M | $655M | $477M |
| Enterprise Value | $468M | $487M | $990M | $802M | $1.5B | $205M | $537M | $1.5B | $1.2B | $1.2B | $1.1B |
| P/E Ratio → | -3.14 | — | — | — | 7.31 | 10.32 | 10.64 | 13.92 | 12.73 | 23.77 | 20.36 |
| P/S Ratio | 0.83 | 0.86 | 0.85 | 1.00 | 1.96 | 3.61 | 3.08 | 2.87 | 2.40 | 3.89 | 3.57 |
| P/B Ratio | 0.53 | 0.56 | 0.39 | 0.59 | 0.71 | 1.05 | 1.29 | 1.27 | 0.98 | 1.66 | 1.68 |
| P/FCF | — | — | — | — | 8.35 | 11.91 | 13.91 | 13.43 | 11.34 | 18.38 | 34.48 |
| P/OCF | — | — | — | 68.93 | 7.98 | 11.52 | 13.32 | 12.93 | 10.74 | 17.30 | 24.13 |
P/E links to full P/E history page with 30-year chart
FFWM EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.83 | 2.06 | 1.47 | 3.68 | 0.66 | 1.85 | 5.35 | 5.21 | 7.20 | 8.46 |
| EV / EBITDA | — | — | — | — | 9.61 | 1.29 | 4.28 | 16.95 | 18.01 | 22.48 | 27.80 |
| EV / EBIT | — | — | — | — | 10.17 | 1.35 | 4.52 | 18.35 | 19.77 | 23.97 | 29.45 |
| EV / FCF | — | — | — | — | 15.72 | 2.18 | 8.32 | 25.07 | 24.61 | 34.03 | 81.61 |
FFWM Profitability
Margins and return-on-capital ratios measuring operating efficiency
First Foundation Inc. earns an operating margin of -12.2%, below the Financial Services sector average of 21.6%. Operating margins have expanded from -36.6% to -12.2% over the past 3 years, signaling improving operational efficiency. A negative ROE of -15.8% indicates the company is currently destroying shareholder equity.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 29.0% | 29.0% | 6.7% | 32.1% | 79.3% | 94.2% | 81.5% | 70.1% | 75.5% | 84.6% | 88.1% |
| Operating Margin | -12.2% | -12.2% | -28.5% | -36.6% | 36.2% | 49.1% | 40.8% | 29.2% | 26.4% | 30.0% | 28.7% |
| Net Profit Margin | -26.4% | -26.4% | -19.2% | -36.4% | 26.7% | 35.5% | 29.0% | 20.6% | 18.8% | 16.4% | 17.5% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -15.8% | -15.8% | -9.3% | -19.3% | 10.1% | 12.4% | 12.9% | 9.6% | 9.0% | 8.1% | 8.6% |
| ROA | -1.3% | -1.3% | -0.7% | -1.5% | 1.0% | 1.3% | 1.3% | 0.9% | 0.8% | 0.6% | 0.7% |
| ROIC | -2.1% | -2.1% | -4.0% | -6.0% | 5.9% | 10.2% | 7.7% | 4.5% | 3.9% | 2.9% | 2.2% |
| ROCE | -1.0% | -1.0% | -5.1% | -7.8% | 7.9% | 13.6% | 10.2% | 6.1% | 5.1% | 3.9% | 2.9% |
FFWM Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
The company holds a net cash position — cash of $1.6B exceeds total debt of $1.6B, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.76 | 1.76 | 1.52 | 1.71 | 1.21 | 0.20 | 0.39 | 1.21 | 1.27 | 1.72 | 4.40 |
| Debt / EBITDA | — | — | — | — | 8.64 | 1.32 | 2.15 | 8.63 | 10.73 | 12.57 | 30.78 |
| Net Debt / Equity | — | -0.02 | 0.55 | 0.28 | 0.63 | -0.86 | -0.52 | 1.10 | 1.15 | 1.41 | 2.29 |
| Net Debt / EBITDA | — | — | — | — | 4.50 | -5.75 | -2.88 | 7.87 | 9.71 | 10.34 | 16.05 |
| Debt / FCF | — | — | — | — | 7.36 | -9.73 | -5.59 | 11.64 | 13.27 | 15.65 | 47.13 |
| Interest Coverage | -0.20 | -0.20 | -0.32 | -0.54 | 1.76 | 10.89 | 2.51 | 1.01 | 1.16 | 2.18 | 3.42 |
Net cash position: cash ($1.6B) exceeds total debt ($1.6B)
FFWM Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
First Foundation Inc.'s current ratio of 165.47x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.20x to 165.47x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 165.47 | 165.47 | 0.24 | 0.20 | 0.09 | 0.26 | 0.24 | 0.22 | 0.19 | 0.18 | 0.45 |
| Quick Ratio | 165.47 | 165.47 | 0.24 | 0.20 | 0.09 | 0.26 | 0.24 | 0.22 | 0.19 | 0.18 | 0.45 |
| Cash Ratio | 65.55 | 65.55 | 0.10 | 0.12 | 0.06 | 0.13 | 0.11 | 0.01 | 0.01 | 0.03 | 0.24 |
| Asset Turnover | — | 0.05 | 0.04 | 0.04 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.03 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
FFWM Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
First Foundation Inc. does not currently pay a dividend and has no material buyback yield, reinvesting earnings back into the business.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | 0.3% | 1.7% | 3.1% | 1.4% | 1.4% | 1.1% | — | — | — |
| Payout Ratio | — | — | — | — | 22.5% | 14.8% | 14.8% | 15.9% | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | — | — | 13.7% | 9.7% | 9.4% | 7.2% | 7.9% | 4.2% | 4.9% |
| FCF Yield | — | — | — | — | 12.0% | 8.4% | 7.2% | 7.4% | 8.8% | 5.4% | 2.9% |
| Buyback Yield | 0.0% | 0.1% | 0.0% | 0.1% | 0.6% | 0.2% | 0.3% | 0.0% | 0.1% | 0.0% | 0.0% |
| Total Shareholder Yield | 0.0% | 0.1% | 0.3% | 1.7% | 3.6% | 1.6% | 1.7% | 1.1% | 0.1% | 0.0% | 0.0% |
| Shares Outstanding | — | $83M | $66M | $56M | $56M | $45M | $45M | $45M | $43M | $35M | $33M |
Peer Comparison
Compare FFWM with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 FFWMYou | $489M | -3.1 | — | — | 29.0% | -12.2% | -15.8% | -2.1% | — |
 BANR | $2B | 11.6 | 9.5 | 9.0 | 79.0% | 29.5% | 10.5% | 7.7% | 1.5 |
 CVBF | $3B | 13.5 | 13.0 | 12.8 | 79.9% | 43.8% | 9.3% | 6.8% | 3.5 |
 WAFD | $3B | 13.6 | 13.0 | 13.1 | 50.9% | 20.5% | 7.5% | 3.9% | 6.1 |
 BOKF | $10B | 16.4 | 17.2 | 7.2 | 57.1% | 19.8% | 9.8% | 4.1% | 5.8 |
 SFNC | $3B | -7.2 | — | 6.9 | 5.8% | -84.2% | -11.4% | -9.1% | — |
 EWBC | $17B | 12.8 | 9.5 | 11.2 | 60.1% | 37.4% | 15.9% | 11.2% | 1.6 |
 COLB | $7B | 12.9 | 11.8 | 10.0 | 67.7% | 23.4% | 8.5% | 5.4% | 4.5 |
 HOMB | $5B | 13.4 | 10.1 | 12.5 | 65.6% | 36.0% | 10.4% | 7.2% | 2.2 |
 IBOC | $5B | 11.1 | 8.7 | 9.2 | 78.3% | 49.4% | 13.6% | 10.5% | 1.3 |
 GBCI | $6B | 24.5 | 24.4 | 18.3 | 69.0% | 22.9% | 6.4% | 3.5% | 7.9 |
| Financial Services Median | — | 13.1 | 11.5 | 10.6 | 63.6% | 21.6% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 15 years · Updated daily
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Start ComparisonFFWM — Frequently Asked Questions
Quick answers to the most common questions about buying FFWM stock.
What is First Foundation Inc.'s P/E ratio?
First Foundation Inc.'s current P/E ratio is -3.1x. The historical average is 15.2x.
What is First Foundation Inc.'s ROE?
First Foundation Inc.'s return on equity (ROE) is -15.8%. The historical average is 5.4%.
Is FFWM stock overvalued?
Based on historical data, First Foundation Inc. is trading at a P/E of -3.1x. Compare with industry peers and growth rates for a complete picture.
What are First Foundation Inc.'s profit margins?
First Foundation Inc. has 29.0% gross margin and -12.2% operating margin.