First Foundation Financials

FFWM Stock

USD 6.31 0.23 3.52%

Based on the analysis of First Foundation's profitability, liquidity, and operating efficiency, First Foundation is not in a good financial situation at this time. It has a very high probability of going through financial hardship in March. At this time, First Foundation's Accumulated Other Comprehensive Income is very stable compared to the past year. As of the 11th of February 2026, Other Liabilities is likely to grow to about 48.6 M, while Short and Long Term Debt Total is likely to drop about 838.9 M.

Yuan Drop

Covid

Interest Hikes

First Foundation Balance Sheet Chart

At this time, First Foundation's Accumulated Other Comprehensive Income is very stable compared to the past year. As of the 11th of February 2026, Other Liabilities is likely to grow to about 48.6 M, while Short and Long Term Debt Total is likely to drop about 838.9 M.

Total Assets Short Long Term Debt Total Total Current Liabilities Total Stockholder Equity

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Key indicators impacting First Foundation's financial strength include:

Current Value

Last Year

Change From Last Year

10 Year Trend

Debt Equity Ratio

1.91

1.7577

Significantly Up

Slightly volatile

Current Ratio

1.48

1.4081

Sufficiently Up

Slightly volatile

The financial analysis of First Foundation is a critical element in measuring its lifeblood. Investors should carefully consider First Foundation's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

(147.4 Million)

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Understanding current and past First Foundation Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of First Foundation's financial statements are interrelated, with each one affecting the others. For example, an increase in First Foundation's assets may result in an increase in income on the income statement.

First Foundation Stock Summary

First Foundation competes with Peoples Fin, Northrim BanCorp, Flushing Financial, Capital Bancorp, and Northfield Bancorp. First Foundation Inc., through its subsidiaries, provides personal banking, business banking, and private wealth management services in the United States. First Foundation Inc. was founded in 1985 and is headquartered in Dallas, Texas. First Foundation operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 674 people.

Specialization	Financial Services, Banks - Regional
Instrument	USA Stock View All
Exchange	New York Stock Exchange
ISIN	US32026V1044
Business Address	5221 N OConnor
Sector	Banks
Industry	Financials
Benchmark	Dow Jones Industrial
Website	www.firstfoundationinc.com
Phone	469 638 9636
Currency	USD - US Dollar

First Foundation Key Financial Ratios

	Return On Equity	-0.16
	Profit Margin	(0.91) %
	Operating Margin	(0.15) %
	Price To Sales	3.18 X
	Revenue	588.36 M

More Fundamentals

First Foundation Key Balance Sheet Accounts

	2021	2022	2023	2024	2025	2026 (projected)
Total Assets	10.2B	13.0B	13.3B	12.6B	11.9B	7.0B
Other Current Liab	8.6B	9.2B	4.3B	9.4B	2.9B	3.7B
Net Debt	(911.6M)	713.4M	255.8M	582.7M	(20.8M)	(19.8M)
Retained Earnings	341.0M	426.7M	218.6M	125.0M	(30.1M)	(28.6M)
Other Current Assets	1.1B	666.6M	1.4B	45.8M	41.2M	39.2M
Total Liab	9.1B	11.9B	12.1B	11.6B	11.0B	6.3B
Total Current Assets	2.3B	934.0M	2.1B	2.4B	4.1B	4.3B
Accounts Payable	66.4M	79.0M	110.1M	147.3M	132.5M	142.4M
Cash	1.1B	656.5M	1.3B	1.0B	1.6B	1.7B
Other Assets	6.4B	12.3B	11.2B	10.2B	7.8B	6.4B
Long Term Debt	210.1M	1.4B	1.6B	1.6B	1.8B	1.9B
Net Tangible Assets	516.7M	600.4M	841.9M	912.5M	1.0B	529.4M
Short Term Debt	173.1M	1.2B	515.8M	431.8M	388.6M	510.7M
Intangible Assets	222.1M	6.6M	4.9M	3.6M	4.1M	3.9M

First Foundation Key Income Statement Accounts

	2021	2022	2023	2024	2025	2026 (projected)
Interest Expense	13.9M	85.2M	371.4M	428.4M	353.6M	371.3M
Total Revenue	308.9M	413.9M	546.2M	481.5M	588.4M	617.8M
Operating Income	151.8M	149.8M	(200.1M)	(137.4M)	(71.5M)	(68.0M)
Ebit	151.8M	149.8M	(200.1M)	(137.4M)	(123.6M)	(117.5M)
Ebitda	158.6M	158.5M	(191.9M)	(129.4M)	(71.5M)	(68.0M)
Cost Of Revenue	17.8M	85.7M	370.9M	449.1M	417.9M	438.8M
Income Before Tax	151.8M	149.8M	(200.1M)	(137.4M)	(71.5M)	(68.0M)
Net Income	109.5M	110.5M	(199.1M)	(92.4M)	(155.2M)	(147.4M)
Gross Profit	291.1M	328.2M	175.3M	32.5M	170.5M	165.4M
Income Tax Expense	42.3M	39.3M	(1M)	(45.0M)	83.6M	87.8M
Tax Provision	42.3M	39.3M	4.9M	(45.0M)	(40.5M)	(38.5M)
Net Interest Income	233.3M	318.7M	234.5M	182.6M	210.0M	192.8M
Interest Income	247.2M	403.9M	553.1M	611.0M	702.6M	737.8M

First Foundation Key Cash Accounts

	2021	2022	2023	2024	2025	2026 (projected)
Free Cash Flow	93.7M	96.5M	(287K)	(11.5M)	(13.2M)	(12.6M)
Depreciation	6.8M	8.7M	8.2M	8.0M	9.2M	4.8M
Other Non Cash Items	(4.8M)	593K	207.4M	120.5M	138.6M	145.6M
Capital Expenditures	3.2M	4.6M	8.2M	2.7M	3.1M	3.2M
Net Income	109.5M	110.5M	(199.1M)	(92.4M)	(83.2M)	(79.0M)
End Period Cash Flow	1.1B	656.5M	1.3B	1.0B	1.2B	1.2B
Change In Cash	492.1M	(465.3M)	670.1M	(310.5M)	(357.1M)	(339.2M)
Investments	(183.1M)	(3.2B)	(448.1M)	287.4M	330.5M	347.0M
Net Borrowings	(237.9M)	1.2B	320.1M	55.1M	49.6M	47.1M
Dividends Paid	16.2M	24.8M	9.0M	1.1M	1.3M	1.2M
Change To Netincome	(123K)	(13.1M)	(3.6M)	4.9M	4.4M	4.7M

First Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining First Foundation's current stock value. Our valuation model uses many indicators to compare First Foundation value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across First Foundation competition to find correlations between indicators driving First Foundation's intrinsic value. More Info.

First Foundation is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers . At this time, First Foundation's Return On Equity is very stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value First Foundation by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Most indicators from First Foundation's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into First Foundation current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in First Foundation. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in manufacturing.

To learn how to invest in First Stock, please use our How to Invest in First Foundation guide.At this time, First Foundation's Issuance Of Capital Stock is very stable compared to the past year. As of the 11th of February 2026, Sales General And Administrative To Revenue is likely to grow to 0.35, while Selling General Administrative is likely to drop about 73.9 M.

	2023	2024	2025	2026 (projected)
Interest Expense	371.4M	428.4M	353.6M	371.3M
Depreciation And Amortization	8.2M	8.0M	9.2M	4.8M

Interest Expense Depreciation And Amortization

First Foundation fundamental ratios Correlations

	Total Assets	Short Long Term Debt Total	Other Current Liab	Total Current Liabilities	Total Stockholder Equity	Property Plant And Equipment Net	Net Debt	Retained Earnings	Non Current Assets Total	Non Currrent Assets Other	Common Stock Shares Outstanding	Non Current Liabilities Total	Other Current Assets	Other Stockholder Equity	Total Liab	Total Current Assets	Common Stock	Other Liab	Accounts Payable	Cash	Other Assets	Cash And Short Term Investments	Common Stock Total Equity	Short Term Investments	Inventory	Property Plant And Equipment Gross
Total Assets		0.78	0.77	0.79	0.98	0.91	-0.01	0.63	0.54	-0.31	0.92	0.67	-0.11	0.98	1.0	0.57	0.93	0.86	-0.5	0.76	0.96	0.68	0.9	0.57	-0.76	0.86
Short Long Term Debt Total	0.78		0.45	0.46	0.67	0.67	0.47	0.22	0.27	-0.35	0.8	0.88	0.0	0.75	0.78	0.49	0.72	0.59	-0.53	0.62	0.79	0.58	0.64	0.5	-0.78	0.66
Other Current Liab	0.77	0.45		1.0	0.82	0.75	-0.21	0.7	0.88	0.09	0.6	0.36	-0.34	0.75	0.77	0.22	0.68	0.57	-0.36	0.58	0.77	0.44	0.64	0.3	-0.49	0.68
Total Current Liabilities	0.79	0.46	1.0		0.83	0.76	-0.17	0.73	0.88	0.07	0.6	0.37	-0.33	0.75	0.78	0.21	0.68	0.58	-0.35	0.57	0.79	0.42	0.65	0.28	-0.5	0.69
Total Stockholder Equity	0.98	0.67	0.82	0.83		0.89	-0.09	0.71	0.63	-0.23	0.89	0.57	-0.08	0.98	0.97	0.57	0.93	0.89	-0.52	0.71	0.93	0.66	0.91	0.57	-0.64	0.82
Property Plant And Equipment Net	0.91	0.67	0.75	0.76	0.89		-0.2	0.47	0.43	-0.19	0.81	0.72	-0.32	0.9	0.91	0.6	0.82	0.79	-0.34	0.89	0.83	0.79	0.87	0.66	-0.83	0.98
Net Debt	-0.01	0.47	-0.21	-0.17	-0.09	-0.2		-0.08	0.03	-0.23	0.02	0.31	0.46	-0.06	-0.01	-0.07	-0.03	-0.08	-0.25	-0.34	0.14	-0.28	-0.1	-0.21	-0.07	-0.21
Retained Earnings	0.63	0.22	0.7	0.73	0.71	0.47	-0.08		0.74	-0.24	0.38	-0.02	0.15	0.56	0.62	0.06	0.46	0.51	-0.37	0.16	0.66	0.03	0.49	-0.07	-0.06	0.32
Non Current Assets Total	0.54	0.27	0.88	0.88	0.63	0.43	0.03	0.74		0.24	0.37	0.1	-0.15	0.52	0.54	-0.03	0.47	0.34	-0.28	0.16	0.58	0.06	0.38	-0.03	-0.16	0.35
Non Currrent Assets Other	-0.31	-0.35	0.09	0.07	-0.23	-0.19	-0.23	-0.24	0.24		-0.22	-0.17	-0.46	-0.24	-0.31	-0.04	-0.21	-0.28	0.26	-0.11	-0.28	-0.08	-0.25	-0.05	0.23	-0.11
Common Stock Shares Outstanding	0.92	0.8	0.6	0.6	0.89	0.81	0.02	0.38	0.37	-0.22		0.74	-0.11	0.95	0.93	0.68	0.97	0.86	-0.46	0.76	0.85	0.77	0.89	0.72	-0.76	0.81
Non Current Liabilities Total	0.67	0.88	0.36	0.37	0.57	0.72	0.31	-0.02	0.1	-0.17	0.74		-0.22	0.66	0.68	0.62	0.65	0.62	-0.41	0.78	0.68	0.78	0.68	0.72	-0.88	0.77
Other Current Assets	-0.11	0.0	-0.34	-0.33	-0.08	-0.32	0.46	0.15	-0.15	-0.46	-0.11	-0.22		-0.1	-0.12	0.07	-0.05	0.07	-0.38	-0.44	-0.05	-0.29	-0.02	-0.16	0.43	-0.4
Other Stockholder Equity	0.98	0.75	0.75	0.75	0.98	0.9	-0.06	0.56	0.52	-0.24	0.95	0.66	-0.1		0.98	0.65	0.98	0.88	-0.52	0.77	0.91	0.74	0.92	0.66	-0.73	0.86
Total Liab	1.0	0.78	0.77	0.78	0.97	0.91	-0.01	0.62	0.54	-0.31	0.93	0.68	-0.12	0.98		0.57	0.94	0.86	-0.5	0.76	0.96	0.68	0.9	0.57	-0.77	0.86
Total Current Assets	0.57	0.49	0.22	0.21	0.57	0.6	-0.07	0.06	-0.03	-0.04	0.68	0.62	0.07	0.65	0.57		0.68	0.79	-0.46	0.66	0.56	0.79	0.76	0.82	-0.54	0.63
Common Stock	0.93	0.72	0.68	0.68	0.93	0.82	-0.03	0.46	0.47	-0.21	0.97	0.65	-0.05	0.98	0.94	0.68		0.9	-0.51	0.71	0.86	0.74	0.92	0.7	-0.71	0.8
Other Liab	0.86	0.59	0.57	0.58	0.89	0.79	-0.08	0.51	0.34	-0.28	0.86	0.62	0.07	0.88	0.86	0.79	0.9		-0.59	0.72	0.83	0.79	0.98	0.77	-0.62	0.76
Accounts Payable	-0.5	-0.53	-0.36	-0.35	-0.52	-0.34	-0.25	-0.37	-0.28	0.26	-0.46	-0.41	-0.38	-0.52	-0.5	-0.46	-0.51	-0.59		-0.33	-0.55	-0.41	-0.55	-0.45	0.19	-0.29
Cash	0.76	0.62	0.58	0.57	0.71	0.89	-0.34	0.16	0.16	-0.11	0.76	0.78	-0.44	0.77	0.76	0.66	0.71	0.72	-0.33		0.67	0.94	0.79	0.82	-0.82	0.92
Other Assets	0.96	0.79	0.77	0.79	0.93	0.83	0.14	0.66	0.58	-0.28	0.85	0.68	-0.05	0.91	0.96	0.56	0.86	0.83	-0.55	0.67		0.58	0.86	0.46	-0.71	0.77
Cash And Short Term Investments	0.68	0.58	0.44	0.42	0.66	0.79	-0.28	0.03	0.06	-0.08	0.77	0.78	-0.29	0.74	0.68	0.79	0.74	0.79	-0.41	0.94	0.58		0.83	0.97	-0.75	0.85
Common Stock Total Equity	0.9	0.64	0.64	0.65	0.91	0.87	-0.1	0.49	0.38	-0.25	0.89	0.68	-0.02	0.92	0.9	0.76	0.92	0.98	-0.55	0.79	0.86	0.83		0.79	-0.7	0.85
Short Term Investments	0.57	0.5	0.3	0.28	0.57	0.66	-0.21	-0.07	-0.03	-0.05	0.72	0.72	-0.16	0.66	0.57	0.82	0.7	0.77	-0.45	0.82	0.46	0.97	0.79		-0.64	0.73
Inventory	-0.76	-0.78	-0.49	-0.5	-0.64	-0.83	-0.07	-0.06	-0.16	0.23	-0.76	-0.88	0.43	-0.73	-0.77	-0.54	-0.71	-0.62	0.19	-0.82	-0.71	-0.75	-0.7	-0.64		-0.87
Property Plant And Equipment Gross	0.86	0.66	0.68	0.69	0.82	0.98	-0.21	0.32	0.35	-0.11	0.81	0.77	-0.4	0.86	0.86	0.63	0.8	0.76	-0.29	0.92	0.77	0.85	0.85	0.73	-0.87

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First Foundation Account Relationship Matchups

First Foundation fundamental ratios Accounts

	2021	2022	2023	2024	2025	2026 (projected)
Total Assets	10.2B	13.0B	13.3B	12.6B	11.9B	7.0B
Other Current Liab	8.6B	9.2B	4.3B	9.4B	2.9B	3.7B
Net Debt	(911.6M)	713.4M	255.8M	582.7M	(20.8M)	(19.8M)
Retained Earnings	341.0M	426.7M	218.6M	125.0M	(30.1M)	(28.6M)
Other Current Assets	1.1B	666.6M	1.4B	45.8M	41.2M	39.2M
Total Liab	9.1B	11.9B	12.1B	11.6B	11.0B	6.3B
Total Current Assets	2.3B	934.0M	2.1B	2.4B	4.1B	4.3B
Accounts Payable	66.4M	79.0M	110.1M	147.3M	132.5M	142.4M
Cash	1.1B	656.5M	1.3B	1.0B	1.6B	1.7B
Other Assets	6.4B	12.3B	11.2B	10.2B	7.8B	6.4B
Long Term Debt	210.1M	1.4B	1.6B	1.6B	1.8B	1.9B
Net Tangible Assets	516.7M	600.4M	841.9M	912.5M	1.0B	529.4M
Short Term Debt	173.1M	1.2B	515.8M	431.8M	388.6M	510.7M
Intangible Assets	222.1M	6.6M	4.9M	3.6M	4.1M	3.9M

Today, most investors in First Foundation Stock are looking for potential investment opportunities by analyzing not only static indicators but also various First Foundation's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of First Foundation growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.0934)

At this time, First Foundation's Price Earnings To Growth Ratio is very stable compared to the past year.

First Foundation February 11, 2026 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of First Foundation help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of First Foundation. We use our internally-developed statistical techniques to arrive at the intrinsic value of First Foundation based on widely used predictive technical indicators. In general, we focus on analyzing First Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build First Foundation's daily price indicators and compare them against related drivers.

	Downside Deviation	2.36
	Information Ratio	0.0767
	Maximum Drawdown	12.56
	Value At Risk	(3.38)
	Potential Upside	3.08

When determining whether First Foundation is a strong investment it is important to analyze First Foundation's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact First Foundation's future performance. For an informed investment choice regarding First Stock, refer to the following important reports:

How To Invest In First

Details

Is First Stock a good investment?

Details

What is First Foundation's Net Worth?

Details

Largest Regional Banks Companies

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Largest Banks - Regional Companies

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Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in First Foundation. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in manufacturing.

To learn how to invest in First Stock, please use our How to Invest in First Foundation guide.

You can also try the Watchlist Optimization module to optimize watchlists to build efficient portfolios or rebalance existing positions based on the mean-variance optimization algorithm.

Will Regional Banks sector continue expanding? Could First diversify its offerings? Factors like these will boost the valuation of First Foundation. Market participants price First higher when confident in its future expansion prospects. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every First Foundation data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.

Quarterly Earnings Growth

Earnings Share

(1.88)

Revenue Per Share

2.066

Quarterly Revenue Growth

0.246

Return On Assets

(0.01)

Investors evaluate First Foundation using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating First Foundation's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. External factors like market trends, sector rotation, and investor psychology can cause First Foundation's market price to deviate significantly from intrinsic value.

Please note, there is a significant difference between First Foundation's value and its price as these two are different measures arrived at by different means. Investors typically determine if First Foundation is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Conversely, First Foundation's market price signifies the transaction level at which participants voluntarily complete trades.

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First Foundation Financials

First Foundation Balance Sheet Chart

Net Income

(147.4 Million)

First Foundation Stock Summary

First Foundation Key Financial Ratios

First Foundation Key Balance Sheet Accounts

First Foundation Key Income Statement Accounts

First Foundation Key Cash Accounts

First Financial Ratios Relationships

First Foundation fundamental ratios Correlations

First Foundation Account Relationship Matchups

High Positive Relationship

High Negative Relationship

First Foundation fundamental ratios Accounts

Price Earnings To Growth Ratio

(0.0934)

First Foundation February 11, 2026 Opportunity Range

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MAIN CATEGORIES

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Total Liab	+ 1.0	Total Assets
Total Current Liabilities	+ 1.0	Other Current Liab
Total Stockholder Equity	+ 0.98	Total Assets
Other Stockholder Equity	+ 0.98	Total Assets
Other Stockholder Equity	+ 0.98	Total Stockholder Equity
Property Plant And Equipment Gross	+ 0.98	Property Plant And Equipment Net

Inventory	- 0.88	Non Current Liabilities Total
Property Plant And Equipment Gross	- 0.87	Inventory
Inventory	- 0.83	Property Plant And Equipment Net
Inventory	- 0.82	Cash
Inventory	- 0.78	Short Long Term Debt Total
Inventory	- 0.77	Total Liab