First Foundation Inc. (FFWM) Stock

About First Foundation Inc.

First Foundation Inc. delivers a comprehensive suite of financial services across the United States, catering to personal banking clients, businesses, and individuals requiring private wealth management. Its operations are distinctly divided into two primary segments: Banking and Wealth Management. Within its banking arm, the company offers a diverse array of deposit accounts, including personal and business checking, savings accounts, interest-bearing Negotiable Order of Withdrawal (NOW) accounts, money market accounts, and time certificates of deposit. For lending needs, First Foundation provides a broad spectrum of options, such as real estate loans for both multi-family and single-family residences, commercial property financing, commercial term loans, and lines of credit. Consumer lending further extends to personal installment loans, personal lines of credit, and home equity lines of credit. Beyond core banking, the firm extends various specialized services, including trust services, convenient internet and mobile banking platforms, remote deposit capture capabilities, merchant credit card processing, ATM and Visa debit cards, and business sweep accounts. It also facilitates insurance brokerage and equipment financing solutions. The Wealth Management segment focuses on comprehensive investment management, financial planning, and treasury management services. It provides expert advisory and coordination in critical areas like estate planning, retirement planning, charitable giving, and business ownership issues, alongside general financial, investment, and economic guidance. A unique offering includes support services for charitable organizations, involving the processing and transmission of financial and economic data. Established in 1985 and headquartered in Dallas, Texas, First Foundation Inc. maintains a physical presence through 28 branch offices and 3 loan production offices strategically located across California, Nevada, Texas, and Hawaii.

First Foundation Inc. is headquartered in US.

First Foundation Inc. (FFWM) stock trades at $5.90 with a market capitalization of $489.27M. The stock is valued at a negative price-to-earnings (P/E) ratio of -3.13, reflecting a net loss over the last twelve months, price-to-book of 0.54, price-to-sales of 0.89. Over the past 52 weeks the stock has ranged between $4.42 and $6.72, and currently trades 12.2% below its 52-week high.

On profitability, First Foundation Inc. generates a return on equity (ROE) of -15.75% (negative, reflecting a net loss), return on capital employed of -0.60%, an operating margin of -12.98%, a net profit margin of -28.15%.

Official website: www.firstfoundationinc.com

First Foundation Inc. by the numbers, 2016–2025

Between 2016 and 2025 First Foundation Inc. reported revenue of $134.0M rising to $588.0M, a change of +338.8% across 10 years. Compounded, revenue has grown 15.1% a year over five years, 12.4% over three, 22.0% over the last twelve months. Net profit fell to $-155.0M.

Operating margin went from 28.7% in 2016 to -12.2% in 2025, a fall of 40.9 percentage points. The most recent net margin is -28.15%. On a trailing twelve-month basis to Dec '25, revenue is $550.0M and net profit $-155.0M.

Borrowings rose from $1.3B to $1.6B, cash on hand is $4.1B, cash from operations was $-32.0M in the latest year, positive in 8 of the last 10.

Return on equity has averaged -5.4% over five years, and was -17.0% in the most recent year.

The share price itself has compounded at —% a year over five years, —% over three, —% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

First Foundation Inc. (FFWM) — frequently asked questions