FFWM

BEARISH

$5.9 Live

First Foundation Inc. · NYSE

Target $7.5 (+27.1%)

$4.42 52W Range $6.72

FFWM First Foundation Inc. - Fundamental Analysis

BEARISH

Console Chart News

FFWM Stock | Fundamental Analysis & Investment Insights

NYSE • Financial Services • Banks - Regional

Current Price Live

$5.9

Analyst Target

$7.5

+27.1% Upside

52W High

$6.72

52W Low

$4.42

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 27, 2026

Market cap

$489.27M

P/E

N/A

ROE

-15.8%

Profit margin

-91.0%

Debt/Equity

N/A

Dividend yield

N/A

AI Analysis

AI-powered fundamental assessment

Confidence

85%

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.

Key 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

Single analyst target price of $7.50 implies potential upside

Recent 1-year price performance is positive (+13.7%)

Key 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)

Negative Return on Equity (-15.78%) and Return on Assets (-1.26%)

Bearish technical trend (0/100) and long-term 5Y price decline of -73.8%

AI Fair Value Estimate

Based on comprehensive analysis

$6.2

+5.1% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Weak

Value

Future

Past

Health

Dividend

AI Verdict

High Risk / Value Trap

Key drivers: Piotroski F-Score 1/9, Negative Profitability, Earnings Misses, Low P/B Ratio

Confidence

90%

Value

45/100

Trades at a deep discount to assets, but earnings are non-existent.

Positives

P/B of 0.59 is very low

Watchpoints

P/E is N/A due to losses
Graham Number unavailable due to negative earnings

Future

30/100

Revenue growth is not translating into bottom-line profit.

Positives

YoY Revenue growth is strong

Watchpoints

Q/Q Revenue growth is declining (-11.81%)
Earnings volatility is extreme

Past

20/100

Long-term destruction of shareholder value.

Positives

Historical profitability prior to 2024

Watchpoints

5-year price change of -73.8%
Recent trend of massive EPS misses

Health

10/100

Fundamental health is in a state of collapse.

Positives

No standout positives identified.

Watchpoints

Piotroski F-Score 1/9
Negative ROE and ROA

Dividend

0/100

No income generation for shareholders.

Positives

No standout positives identified.

Watchpoints

No dividend yield
0/100 dividend strength

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$5.9

Analyst Target

$7.5

Upside/Downside

+27.1%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for FFWM and closest competitors.

Updated 2026-03-31

Company	5Y	3Y	1Y	6M	1M	1W
FFWM First Foundation Inc. Primary	-73.8%	-19.8%	+13.7%	+5.9%	-1.0%	+0.5%
CRD-B Crawford & Company Peer	+23.1%	+28.6%	-1.7%	-1.0%	+1.3%	-1.3%
CIVB Civista Bancshares, Inc. Peer	+20.6%	+70.8%	+23.1%	+16.1%	+5.5%	-0.7%
ETO Eaton Vance Tax-Advantaged Global Dividend Opportunities Fund Peer	+49.3%	+68.3%	+31.1%	+7.9%	+8.4%	-1.1%
BLE BlackRock Municipal Income Trust II Peer	-10.7%	+12.5%	+5.4%	+11.2%	+2.6%	-0.2%

FFW

First Foundation Inc.

Primary

-73.8%

-19.8%

+13.7%

+5.9%

-1.0%

+0.5%

CRD

Crawford & Company

Peer

+23.1%

+28.6%

-1.7%

-1.0%

+1.3%

-1.3%

CIV

Civista Bancshares, Inc.

Peer

+20.6%

+70.8%

+23.1%

+16.1%

+5.5%

-0.7%

ETO

Eaton Vance Tax-Advantaged Global Dividend Opportunities Fund

Peer

+49.3%

+68.3%

+31.1%

+7.9%

+8.4%

-1.1%

BLE

BlackRock Municipal Income Trust II

Peer

-10.7%

+12.5%

+5.4%

+11.2%

+2.6%

-0.2%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

N/A

14.94

N/A

0.59

2.87

12.19

N/A

$489.27M

Profitability

Profit margins and return metrics

Profit Margin -91.02%

Operating Margin -14.59%

Gross Margin N/A

ROE -15.78%

ROA -1.26%

Growth

Revenue and earnings growth rates

Revenue Growth +24.6%

Earnings Growth N/A

Q/Q Revenue Growth -11.81%

Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$1.61

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.0B

Net Margin

-19.4%

Total Assets

$11.9B

Liabilities

$11.0B

Equity

$0.9B

Debt/Equity

12.04x

Operating CF

$-0.0B

CapEx

$-0.0B

Free Cash Flow

$-0.0B

FCF Yield

101%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-01-29

$-0.04

-233.3% surprise

2025-10-30

$-1.77

-10717.9% surprise

2025-07-31

$-0.09

-550.0% surprise

2025-04-30

$0.09

+260.0% surprise

Financial Services Sector Comparison

Comparing FFWM against 763 companies in the Financial Services sector (133 bullish, 317 neutral, 313 bearish)

Return on Equity (ROE)

-15.78%

This Stock

-1.82%

Sector Avg

+766.9% (Excellent)

Profit Margin

-91.02%

This Stock

75.74%

Sector Avg

-220.2% (Weaker)

Revenue Growth

24.6%

This Stock

37.18%

Sector Avg

-33.8% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
FFWM First Foundation Inc.	BEARISH	$489.27M	-	-15.8%	-91.0%	$5.9
CRD-B Crawford & Company	BEARISH	$486.97M	25.49	12.0%	1.6%	$9.94	Compare
CIVB Civista Bancshares, Inc.	NEUTRAL	$492.88M	9.21	9.9%	27.3%	$23.77	Compare
ETO Eaton Vance Tax-Advantaged...	BULLISH	$478.7M	5.43	18.3%	418.0%	$29.21	Compare
BLE BlackRock Municipal Income Trust II	BEARISH	$500.66M	-	-6.6%	-90.8%	$10.49	Compare

FFWM First Foundation Inc.

BEARISH

Mkt Cap

$489M

P/E

ROE

-15.8%

Price

$5.9

CRD-B Crawford & Company

Compare with FFWM

Compare with FFWM

Compare with FFWM

Compare with FFWM

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

BUY

1 analysts

DA Davidson

2025-10-30

down

Buy Neutral

Past News Coverage

Recent headlines mentioning FFWM from our newsroom.

Newest → oldest

Back to All Stocks

TradingGPT V2 Copilot

Fundamentals • Valuation • Risk

Hi! I'm your fundamentals copilot.

Ask me to:
• Summarize the business quality
• Review valuation and multiples
• Highlight risks and red flags
• Explain growth and margin trends

FFWM

FFWM First Foundation Inc. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Wall Street Analysts

Past News Coverage

Wait — Don't Miss Out!