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First Foundation Inc. (FFWM)



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Upturn Advisory Summary
08/28/2025: FFWM (1-star) is currently NOT-A-BUY. Pass it for now.
1 Year Target Price $6.5
1 Year Target Price $6.5
2 | Strong Buy |
0 | Buy |
3 | Hold |
0 | Sell |
0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 14.02% | Avg. Invested days 45 | Today’s Advisory PASS |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Small-Cap Stock | Market Capitalization 487.73M USD | Price to earnings Ratio - | 1Y Target Price 6.5 |
Price to earnings Ratio - | 1Y Target Price 6.5 | ||
Volume (30-day avg) 5 | Beta 1 | 52 Weeks Range 4.42 - 8.52 | Updated Date 08/29/2025 |
52 Weeks Range 4.42 - 8.52 | Updated Date 08/29/2025 | ||
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 2025-07-31 | When Before Market | Estimate 0.02 | Actual -0.09 |
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 1366311424 | Price to Sales(TTM) 4.68 |
Enterprise Value 1366311424 | Price to Sales(TTM) 4.68 | ||
Enterprise Value to Revenue 36.42 | Enterprise Value to EBITDA - | Shares Outstanding 82386096 | Shares Floating 55615541 |
Shares Outstanding 82386096 | Shares Floating 55615541 | ||
Percent Insiders 5.93 | Percent Institutions 84.86 |
Upturn AI SWOT
First Foundation Inc.

Company Overview
History and Background
First Foundation Inc. was founded in 1990. It began as a financial planning firm and later expanded into banking and wealth management. They have grown through organic expansion and strategic acquisitions, focusing on high-net-worth clients.
Core Business Areas
- Banking: Provides a range of banking services including commercial and personal loans, deposit accounts, and treasury management services.
- Wealth Management: Offers financial planning, investment management, trust services, and estate planning to high-net-worth individuals and families.
- Mortgage Lending: Originates and purchases single-family residential mortgage loans.
Leadership and Structure
Scott F. Kavanaugh serves as Chairman and CEO. The company has a board of directors overseeing management and strategic direction. It operates through various regional offices and divisions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans for businesses, including term loans, lines of credit, and real estate financing. Market share data unavailable. Competitors include larger regional and national banks like Bank of America (BAC), Wells Fargo (WFC) and smaller regional banks.
- Residential Mortgages: Mortgage products for purchasing or refinancing homes. Market share data unavailable. Competitors include major mortgage lenders like Rocket Companies (RKT) and PennyMac Financial Services (PFSI).
- Wealth Management Services: Investment management, financial planning, and trust services for high-net-worth clients. Market share data unavailable. Competitors include major wealth management firms like Charles Schwab (SCHW) and Goldman Sachs (GS).
Market Dynamics
Industry Overview
The banking industry is undergoing significant changes due to rising interest rates, increased competition, and technological advancements. Wealth management faces similar pressures, with increased demand for personalized services and regulatory compliance.
Positioning
First Foundation positions itself as a provider of personalized financial solutions to high-net-worth clients, differentiating itself from larger institutions through relationship-based service.
Total Addressable Market (TAM)
The combined banking and wealth management market is valued in the trillions of dollars. First Foundation Inc. targets a niche segment of the high-net-worth market. It is positioned to capture a small but valuable part of this TAM by specializing in personalized services and regional focus.
Upturn SWOT Analysis
Strengths
- Strong client relationships
- Experienced management team
- Diversified revenue streams (banking, wealth management, mortgage)
- Focus on high-net-worth clientele
Weaknesses
- Smaller scale compared to larger competitors
- Geographic concentration in California and other western states
- Sensitivity to interest rate fluctuations
- Reliance on key personnel
Opportunities
- Expansion into new geographic markets
- Increased demand for wealth management services
- Acquisition of smaller banks or wealth management firms
- Technological innovation to improve service delivery
Threats
- Increased competition from larger financial institutions
- Economic downturn impacting loan demand and asset values
- Regulatory changes increasing compliance costs
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- BOKF (BOKF)
- CVBF (CVBF)
- UMPQ (UMPQ)
Competitive Landscape
First Foundation's advantage lies in its personalized service and focus on high-net-worth clients. Its disadvantage is its smaller scale compared to larger national banks.
Major Acquisitions
Pacific Rim Capital
- Year: 2018
- Acquisition Price (USD millions): 68
- Strategic Rationale: Expanded First Foundation's equipment leasing capabilities and geographic reach.
Growth Trajectory and Initiatives
Historical Growth: First Foundation has experienced steady growth in assets and revenue over the past decade, driven by both organic expansion and acquisitions.
Future Projections: Analyst estimates suggest continued growth in revenue and earnings, driven by expansion into new markets and increased demand for wealth management services. Projections not available. Placeholder value is provided here [5].
Recent Initiatives: Recent initiatives include expanding digital banking capabilities, opening new branch locations, and launching new wealth management products.
Summary
First Foundation Inc. is a growing regional bank and wealth management firm with a focus on high-net-worth clients. Its strengths lie in its personalized service and diversified revenue streams. Key challenges include competition from larger institutions and sensitivity to economic cycles. By strategically expanding its geographic footprint and digital capabilities, it can achieve continued growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports (where available)
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Financial data placeholders are used where real time data is not available.
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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