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FFWM logo FFWM
Upturn stock ratingUpturn stock rating
FFWM logo

First Foundation Inc. (FFWM)

Upturn stock ratingUpturn stock rating
$5.51
Last Close (24-hour delay)
Profit since last BUY4.55%
upturn advisory
Consider higher Upturn Star rating
BUY since 47 days
  • BUY Advisory
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  • SELL Advisory (Loss)​
  • Profit
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
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Upturn Advisory Summary

07/14/2025: FFWM (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

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

Analysts Price Target For last 52 week
$6.88 Target price
52w Low $4.42
Current$5.51
52w High $8.52

Analysis of Past Performance

Type Stock
Historic Profit 25.9%
Avg. Invested days 43
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 4.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 07/14/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 450.65M 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 07/14/2025
52 Weeks Range 4.42 - 8.52
Updated Date 07/14/2025
Dividends yield (FY) -
Basic EPS (TTM) -1.34

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin -76%
Operating Margin (TTM) 9.21%

Management Effectiveness

Return on Assets (TTM) -0.66%
Return on Equity (TTM) -8.68%

Valuation

Trailing PE -
Forward PE -
Enterprise Value 1352000000
Price to Sales(TTM) 3.97
Enterprise Value 1352000000
Price to Sales(TTM) 3.97
Enterprise Value to Revenue 34.48
Enterprise Value to EBITDA -
Shares Outstanding 82386096
Shares Floating 57621642
Shares Outstanding 82386096
Shares Floating 57621642
Percent Insiders 5.93
Percent Institutions 81.98

ai summary icon Upturn AI SWOT

First Foundation Inc.

stock logo

Company Overview

overview logo History and Background

First Foundation Inc. was founded in 1990. It started as a financial planning firm and expanded into banking and wealth management. Key milestones include its IPO and strategic acquisitions to grow its market presence, focusing on high-net-worth individuals.

business area logo Core Business Areas

  • Banking: Provides a range of banking services, including commercial and personal loans, deposit accounts, and treasury management services.
  • Wealth Management: Offers comprehensive wealth management services, including financial planning, investment management, and trust services.
  • Mortgage Lending: Originates and services residential mortgage loans.

leadership logo Leadership and Structure

The leadership team consists of the CEO, CFO, and other key executives responsible for overseeing the company's strategic direction and operations. The organizational structure is a hierarchical model with clearly defined departments and reporting lines.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Offers loans to businesses for various purposes, including expansion and working capital. Market share is estimated at <1% of the national commercial loan market. Competitors include larger national banks like JPMorgan Chase, Bank of America, and regional banks like Western Alliance Bancorporation.
  • Residential Mortgages: Provides mortgage loans to individuals for home purchases and refinancing. Market share is again estimated at <1% of the national market. Competitors include Rocket Mortgage, Wells Fargo, and numerous local mortgage lenders.
  • Wealth Management Services: Manages investments and provides financial planning services to high-net-worth individuals. Specific market share data is difficult to obtain, but competition includes firms like Goldman Sachs, Morgan Stanley, and independent RIAs.

Market Dynamics

industry overview logo Industry Overview

The banking industry is highly regulated and competitive, influenced by interest rates, economic conditions, and technological advancements. The wealth management industry is driven by demographics, investment performance, and client needs.

Positioning

First Foundation Inc. positions itself as a provider of personalized financial services to high-net-worth individuals and businesses, differentiating itself through its client-centric approach and integrated service offerings.

Total Addressable Market (TAM)

The TAM for banking and wealth management services is estimated to be in the trillions of dollars. First Foundation Inc. is positioned to capture a small but significant share of this market by focusing on specific client segments and geographic regions.

Upturn SWOT Analysis

Strengths

  • Strong client relationships
  • Integrated service offerings
  • Experienced management team
  • Focus on high-net-worth clients

Weaknesses

  • Smaller scale compared to larger competitors
  • Geographic concentration
  • Higher operating expenses
  • Vulnerable to rising interest rates.

Opportunities

  • Expanding into new geographic markets
  • Acquiring smaller wealth management firms
  • Increasing digital service offerings
  • Capitalizing on consolidation in banking sector.

Threats

  • Increased competition from larger banks
  • Economic downturn
  • Changes in regulations
  • Cybersecurity risks

Competitors and Market Share

competitor logo Key Competitors

  • WAFD
  • BOKF
  • MTB
  • CMA
  • OZK

Competitive Landscape

First Foundation Inc. faces intense competition from larger, more established financial institutions. Its competitive advantage lies in its personalized service and focus on high-net-worth clients, but it must continue to innovate and expand its service offerings to remain competitive.

Major Acquisitions

Pacific Rim Capital

  • Year: 2018
  • Acquisition Price (USD millions): 158
  • Strategic Rationale: Expanded First Foundationu2019s equipment leasing business.

Growth Trajectory and Initiatives

Historical Growth: Historical growth has been moderate, driven by organic growth and strategic acquisitions.

Future Projections: Analyst estimates suggest continued growth in revenue, but profitability will be a challenge with fluctuating interest rates.

Recent Initiatives: Recent strategic initiatives have focused on expanding into new markets, strengthening digital capabilities, and improving operational efficiency.

Summary

First Foundation has strengths in client service and wealth management but faces challenges due to its smaller size and rising interest rates. It is well to watch out for economic downturns and interest rate movements to make it a strong player. Strategic acquisitions and digital enhancements may help with growth. The company must successfully navigate the competitive landscape to realize its potential. The interest rate environment could pose further risk.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • SEC Filings
  • Company Website
  • Analyst Reports
  • Market Data Providers

Disclaimers:

This analysis is for informational purposes only and should not be considered financial advice. Market share estimates are approximate and may vary. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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 561
Full time employees 561

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.