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Upturn AI SWOT - About
FFWM 
First Foundation Inc. (FFWM)
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Upturn Advisory Summary
10/15/2025: FFWM (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $6.88
1 Year Target Price $6.88
| 2 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 6.97% | Avg. Invested days 40 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 479.49M USD | Price to earnings Ratio - | 1Y Target Price 6.88 |
Price to earnings Ratio - | 1Y Target Price 6.88 | ||
Volume (30-day avg) 5 | Beta 0.99 | 52 Weeks Range 4.42 - 8.52 | Updated Date 10/15/2025 |
52 Weeks Range 4.42 - 8.52 | Updated Date 10/15/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -1.49 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -93.05% | Operating Margin (TTM) -22.16% |
Management Effectiveness
Return on Assets (TTM) -0.77% | Return on Equity (TTM) -9.79% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 1363015936 | Price to Sales(TTM) 4.6 |
Enterprise Value 1363015936 | Price to Sales(TTM) 4.6 | ||
Enterprise Value to Revenue 36.1 | Enterprise Value to EBITDA - | Shares Outstanding 82386071 | Shares Floating 55613070 |
Shares Outstanding 82386071 | Shares Floating 55613070 | ||
Percent Insiders 5.97 | Percent Institutions 85.31 |
Upturn AI SWOT
First Foundation Inc.
Company Overview
History and Background
First Foundation Inc. was founded in 1990. Initially focused on wealth management, it expanded into banking and trust services. The company has grown through organic expansion and strategic acquisitions.
Core Business Areas
- Banking: Offers a range of banking products and services, including deposit accounts, loans, and treasury management services, catering to high-net-worth individuals and businesses.
- Wealth Management: Provides comprehensive wealth management services, including financial planning, investment management, and trust services.
- Trust Services: Offers trust and estate planning services to individuals, families and businesses
Leadership and Structure
Scott F. Kavanaugh serves as Chairman and Chief Executive Officer. The company operates with a traditional hierarchical structure, with various departments reporting to the CEO.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides loans for commercial real estate projects. Market share data is not readily available and varies by geographic area. Competitors include large national banks and regional banks.
- Residential Mortgages: Offers mortgages for primary and secondary residences. Market share data is not readily available and varies by geographic area. Competitors include national mortgage lenders and regional banks.
- Wealth Management Services: Offers a suite of wealth management products, services, and solutions. Market share data is not readily available. Competitors include large financial brokerages such as Goldman Sachs and Morgan Stanley, among others.
Market Dynamics
Industry Overview
The banking and wealth management industries are highly competitive and subject to regulatory changes and economic conditions. Rising interest rates, inflation, and geopolitical events impact the industry.
Positioning
First Foundation Inc. positions itself as a provider of personalized banking and wealth management services for affluent clients. Competitive advantages include its client-focused approach and integrated service offerings.
Total Addressable Market (TAM)
The total addressable market for banking and wealth management is substantial. First Foundation Inc. focuses on capturing a specific niche within this market, targeting high-net-worth individuals and businesses. Precise TAM figures are difficult to ascertain due to the breadth of the financial services market.
Upturn SWOT Analysis
Strengths
- Strong client relationships
- Integrated banking and wealth management services
- Experienced leadership team
- High-net-worth client focus
Weaknesses
- Limited geographic footprint
- Reliance on key personnel
- Sensitivity to interest rate changes
- Smaller scale compared to larger competitors
Opportunities
- Expansion into new markets
- Increased demand for wealth management services
- Technological advancements
- Acquisitions of smaller firms
Threats
- Increased competition
- Regulatory changes
- Economic downturns
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PacWest Bancorp (PACW)
- Bank of Southern California (BCAL)
- Opus Bank (OPUS)
Competitive Landscape
First Foundation Inc. competes with both large national banks and regional firms. Its strengths lie in its personalized service and integrated offerings, while its weaknesses include its smaller scale and limited geographic presence.
Growth Trajectory and Initiatives
Historical Growth: Historical data unavailable. Insert relevant data if available.
Future Projections: Future projection unavailable. Insert relevant data if available.
Recent Initiatives: Recent initiatives unavailable. Insert relevant data if available.
Summary
First Foundation Inc. is a niche player in the banking and wealth management industries, focusing on high-net-worth individuals. Its integrated service offerings provide a competitive advantage. Its smaller size and geographic limitations pose challenges. Expansion into new markets and technological advancements could drive future growth. Careful management of interest rate risk and cybersecurity threats is crucial.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Third-party financial data providers
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share estimates are approximate and may vary depending on the source.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First Foundation Inc.
Exchange NYSE | Headquaters Dallas, TX, United States | ||
IPO Launch date 2014-11-03 | CEO & Director Mr. Thomas C. Shafer | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 564 | |
Full time employees 564 | |||
First Foundation Inc., together with its subsidiaries, provides banking services, investment advisory, wealth management, and trust services to individuals, businesses, and other organizations in the United States. The company operates in two segments, Banking and Wealth Management. It offers a range of deposit products, including personal and business checking accounts, savings accounts, interest-bearing demand deposit 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, 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. The company provides various specialized services comprising trust services, online 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, it offers investment management and financial planning services; financial, investment, and economic advisory and related services; and treasury management services, such as bill pay, check/payee/ACH positive pay, wire origination, internal and external transfers, account reconciliation reporting, mobile deposit, lockbox, cash vault services and merchant processing. Further, the company provides support services, including the processing and transmission of financial and economic data for charitable organizations. It operates through a network of branch offices and loan production offices. The company was founded in 1985 and is headquartered in Dallas, Texas.
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