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Upturn AI SWOT - About
FFWM 
First Foundation Inc. (FFWM)
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Upturn Advisory Summary
07/11/2025: FFWM (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 24.99% | Avg. Invested days 43 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/11/2025 |
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 07/12/2025 |
52 Weeks Range 4.42 - 8.52 | Updated Date 07/12/2025 | ||
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 |
Upturn AI SWOT
First Foundation Inc.
Company Overview
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.
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 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
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
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
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.
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 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.
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