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FFWM vs JPM

FFWM
First Foundation Inc.
BEARISH
Price
$5.90
Market Cap
$489.3M
Sector
Financial Services
AI Confidence
85%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
FFWM
--
JPM
15.68
Forward P/E
FFWM
14.94
JPM
13.42
P/B Ratio
FFWM
0.59
JPM
2.47
P/S Ratio
FFWM
2.87
JPM
5.03
EV/EBITDA
FFWM
--
JPM
--

Profitability

Gross Margin
FFWM
0.0%
JPM
0.0%
Operating Margin
FFWM
-14.59%
JPM
41.06%
Profit Margin
FFWM
-91.02%
JPM
33.91%
ROE
FFWM
-15.78%
JPM
16.13%
ROA
FFWM
-1.26%
JPM
1.35%

Growth

Revenue Growth
FFWM
24.6%
JPM
2.5%
Earnings Growth
FFWM
--
JPM
-3.6%

Financial Health

Debt/Equity
FFWM
--
JPM
--
Current Ratio
FFWM
--
JPM
--
Quick Ratio
FFWM
--
JPM
--

Dividends

Dividend Yield
FFWM
--
JPM
1.91%
Payout Ratio
FFWM
0.0%
JPM
28.97%

AI Verdict

FFWM BEARISH

FFWM exhibits severe financial distress, highlighted by a critical Piotroski F-Score of 1/9, indicating a near-total collapse in fundamental health. While the stock trades at a significant discount to book value (P/B 0.59), this is offset by a devastating profit margin of -91.02% and a consistent pattern of massive earnings misses over the last four quarters. Despite a positive YoY revenue growth of 24.60%, the operational efficiency is non-existent, and the technical trend is purely bearish. The valuation appeal is a 'value trap' given the current trajectory of negative ROE and ROA.

Strengths
Trading significantly below book value (P/B 0.59)
Positive Year-over-Year revenue growth of 24.60%
Forward P/E of 14.94 suggests a potential path back to profitability
Risks
Critical Piotroski F-Score (1/9) signaling extreme financial weakness
Severe negative profit margins (-91.02%) and operating margins (-14.59%)
Catastrophic earnings surprise trend (Average -2810.30% over last 4 quarters)
JPM NEUTRAL

JPM exhibits a concerning Piotroski F-Score of 2/9, indicating weak short-term fundamental health, and currently trades at a significant premium to both its Graham Number ($239.11) and Intrinsic Value ($140.07). While the company maintains a strong ROE of 16.13% and dominant market positioning, negative YoY earnings growth (-3.60%) and bearish insider activity from the CEO and CFO signal internal caution. The stock's current price of $313.68 suggests the market is pricing in a growth premium that is not currently supported by the deterministic health or value metrics.

Strengths
Strong profitability with a 33.91% profit margin
Robust Return on Equity (ROE) of 16.13%
Conservative dividend payout ratio of 28.97%
Risks
Very low Piotroski F-Score (2/9) suggesting deteriorating financial health
Significant overvaluation relative to Intrinsic Value ($140.07)
Negative Year-over-Year earnings growth (-3.60%)

Compare Another Pair

FFWM vs JPM: Head-to-Head Comparison

This page compares First Foundation Inc. (FFWM) and JPMorgan Chase & Co. (JPM) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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