First Foundation Stock Z Score

FFWM Stock

USD 7.99 0.26 3.15%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out First Foundation Piotroski F Score and First Foundation Valuation analysis.

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

At this time, First Foundation's Capital Surpluse is very stable compared to the past year. As of the 27th of November 2024, Capital Expenditures is likely to grow to about 8.6 M, while Net Invested Capital is likely to drop about 1.7 B. At this time, First Foundation's Interest Expense is very stable compared to the past year. As of the 27th of November 2024, Total Revenue is likely to grow to about 178.1 M, while Selling General Administrative is likely to drop about 66.4 M.

First Foundation Company Z Score Analysis

First Foundation's Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

First Z Score Driver Correlations

Understanding the fundamental principles of building solid financial models for First Foundation is extremely important. It helps to project a fair market value of First Stock properly, considering its historical fundamentals such as Z Score. Since First Foundation's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of First Foundation's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of First Foundation's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Accounts Payable	Short Term Investments	Total Liab	Total Current Assets	Common Stock	Property Plant Equipment	Long Term Debt	Net Tangible Assets	Good Will	Capital Surpluse	Long Term Investments	Short Long Term Debt	Short Term Debt	Intangible Assets	Earning Assets	Net Invested Capital	Net Receivables	Long Term Debt Total	Capital Stock	Current Deferred Revenue
Total Assets		0.89	-0.02	0.84	-0.49	0.56	1.0	0.32	0.87	0.93	0.81	0.92	0.48	0.99	0.05	0.53	0.28	0.29	0.82	0.81	0.09	0.82	0.88	-0.78
Total Stockholder Equity	0.89		-0.12	0.97	-0.53	0.68	0.89	0.34	0.95	0.72	0.59	0.97	0.76	0.9	0.09	0.48	0.27	0.56	0.92	0.71	0.19	0.87	0.77	-0.55
Net Debt	-0.02	-0.12		-0.16	-0.29	-0.15	-0.02	0.3	-0.04	-0.02	0.42	-0.09	-0.33	-0.07	0.55	0.32	0.79	-0.52	-0.11	0.24	-0.36	-0.24	-0.19	-0.27
Retained Earnings	0.84	0.97	-0.16		-0.45	0.57	0.84	0.2	0.88	0.67	0.51	0.91	0.85	0.83	-0.01	0.38	0.25	0.54	0.87	0.66	0.26	0.85	0.69	-0.53
Accounts Payable	-0.49	-0.53	-0.29	-0.45		-0.7	-0.49	-0.66	-0.57	-0.25	-0.47	-0.51	-0.34	-0.5	-0.41	-0.72	-0.5	-0.34	-0.48	-0.21	-0.15	-0.35	-0.23	0.15
Short Term Investments	0.56	0.68	-0.15	0.57	-0.7		0.56	0.61	0.75	0.27	0.33	0.65	0.52	0.64	0.48	0.61	0.14	0.79	0.73	0.13	0.24	0.6	0.35	0.02
Total Liab	1.0	0.89	-0.02	0.84	-0.49	0.56		0.32	0.87	0.93	0.82	0.91	0.47	0.99	0.05	0.53	0.29	0.28	0.81	0.81	0.08	0.82	0.88	-0.79
Total Current Assets	0.32	0.34	0.3	0.2	-0.66	0.61	0.32		0.47	0.12	0.45	0.33	0.13	0.38	0.59	0.71	0.47	0.35	0.3	0.04	-0.04	0.0	0.08	0.02
Common Stock	0.87	0.95	-0.04	0.88	-0.57	0.75	0.87	0.47		0.67	0.63	0.96	0.66	0.89	0.28	0.48	0.24	0.55	0.94	0.67	0.2	0.85	0.72	-0.51
Property Plant Equipment	0.93	0.72	-0.02	0.67	-0.25	0.27	0.93	0.12	0.67		0.79	0.78	0.22	0.9	-0.16	0.36	0.2	0.01	0.62	0.88	-0.11	0.7	0.94	-0.91
Long Term Debt	0.81	0.59	0.42	0.51	-0.47	0.33	0.82	0.45	0.63	0.79		0.66	0.08	0.77	0.25	0.69	0.61	-0.1	0.57	0.75	-0.12	0.52	0.66	-0.79
Net Tangible Assets	0.92	0.97	-0.09	0.91	-0.51	0.65	0.91	0.33	0.96	0.78	0.66		0.63	0.92	0.06	0.49	0.25	0.45	0.92	0.78	0.17	0.9	0.85	-0.63
Good Will	0.48	0.76	-0.33	0.85	-0.34	0.52	0.47	0.13	0.66	0.22	0.08	0.63		0.48	-0.01	0.18	0.07	0.71	0.69	0.22	0.5	0.62	0.27	-0.08
Capital Surpluse	0.99	0.9	-0.07	0.83	-0.5	0.64	0.99	0.38	0.89	0.9	0.77	0.92	0.48		0.1	0.53	0.23	0.38	0.83	0.76	0.07	0.82	0.87	-0.71
Long Term Investments	0.05	0.09	0.55	-0.01	-0.41	0.48	0.05	0.59	0.28	-0.16	0.25	0.06	-0.01	0.1		0.31	0.39	0.29	0.23	-0.07	-0.22	-0.03	-0.23	0.18
Short Long Term Debt	0.53	0.48	0.32	0.38	-0.72	0.61	0.53	0.71	0.48	0.36	0.69	0.49	0.18	0.53	0.31		0.72	0.17	0.42	0.27	0.07	0.32	0.3	-0.26
Short Term Debt	0.28	0.27	0.79	0.25	-0.5	0.14	0.29	0.47	0.24	0.2	0.61	0.25	0.07	0.23	0.39	0.72		-0.22	0.17	0.37	-0.23	0.04	0.06	-0.35
Intangible Assets	0.29	0.56	-0.52	0.54	-0.34	0.79	0.28	0.35	0.55	0.01	-0.1	0.45	0.71	0.38	0.29	0.17	-0.22		0.57	-0.12	0.24	0.44	0.15	0.33
Earning Assets	0.82	0.92	-0.11	0.87	-0.48	0.73	0.81	0.3	0.94	0.62	0.57	0.92	0.69	0.83	0.23	0.42	0.17	0.57		0.64	0.32	0.91	0.68	-0.46
Net Invested Capital	0.81	0.71	0.24	0.66	-0.21	0.13	0.81	0.04	0.67	0.88	0.75	0.78	0.22	0.76	-0.07	0.27	0.37	-0.12	0.64		-0.19	0.67	0.87	-0.93
Net Receivables	0.09	0.19	-0.36	0.26	-0.15	0.24	0.08	-0.04	0.2	-0.11	-0.12	0.17	0.5	0.07	-0.22	0.07	-0.23	0.24	0.32	-0.19		0.33	-0.1	0.11
Long Term Debt Total	0.82	0.87	-0.24	0.85	-0.35	0.6	0.82	0.0	0.85	0.7	0.52	0.9	0.62	0.82	-0.03	0.32	0.04	0.44	0.91	0.67	0.33		0.77	-0.55
Capital Stock	0.88	0.77	-0.19	0.69	-0.23	0.35	0.88	0.08	0.72	0.94	0.66	0.85	0.27	0.87	-0.23	0.3	0.06	0.15	0.68	0.87	-0.1	0.77		-0.79
Current Deferred Revenue	-0.78	-0.55	-0.27	-0.53	0.15	0.02	-0.79	0.02	-0.51	-0.91	-0.79	-0.63	-0.08	-0.71	0.18	-0.26	-0.35	0.33	-0.46	-0.93	0.11	-0.55	-0.79

Click cells to compare fundamentals

To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.

Competition

Predict First Foundation

According to the company's disclosures, First Foundation has a Z Score of 0.0. This is 100.0% lower than that of the Banks sector and about the same as Financials (which currently averages 0.0) industry. The z score for all United States stocks is 100.0% higher than that of the company.

First Foundation Current Valuation Drivers

We derive many important indicators used in calculating different scores of First Foundation from analyzing First Foundation's financial statements. These drivers represent accounts that assess First Foundation's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of First Foundation's important valuation drivers and their relationship over time.

	2019	2020	2021	2022	2023	2024 (projected)
Market Cap	541.3M	776.3M	1.1B	808.5M	546.2M	415.7M
Enterprise Value	1.2B	1.5B	198.1M	1.5B	802.0M	646.8M

First Foundation ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, First Foundation's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to First Foundation's managers, analysts, and investors.

Environmental

Governance

Social

First Foundation Institutional Holders

Institutional Holdings refers to the ownership stake in First Foundation that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of First Foundation's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing First Foundation's value.

		Shares
Banc Funds Co Llc	2024-09-30	1.4 M
Invenomic Capital Management, Lp	2024-09-30	1.3 M
Hotchkis & Wiley Capital Management Llc	2024-09-30	1.3 M
Alliancebernstein L.p.	2024-06-30	1.1 M
Royce & Associates, Lp	2024-09-30	859.8 K
Maltese Capital Management Llc	2024-09-30	845 K
Jacobs Levy Equity Management, Inc.	2024-09-30	784.2 K
Philadelphia Financial Mgmt Of San Franc	2024-09-30	709.7 K
Mendon Capital Advisors Corp	2024-06-30	646.7 K
Canyon Capital Advisors Llc	2024-09-30	8.2 M
Fmr Inc	2024-09-30	6.1 M

First Fundamentals

	Return On Equity	-0.0762
	Return On Asset	-0.0057
	Profit Margin	(0.70) %
	Operating Margin	2.06 %
	Current Valuation	1.57 B
	Shares Outstanding	82.35 M
	Shares Owned By Insiders	6.61 %
	Shares Owned By Institutions	77.72 %
	Number Of Shares Shorted	3.91 M
	Price To Earning	6.56 X
	Price To Book	0.72 X
	Price To Sales	6.28 X
	Revenue	174.85 M
	Gross Profit	366.39 M
	EBITDA	(191.87 M)
	Net Income	(199.06 M)
	Cash And Equivalents	236.87 M
	Cash Per Share	4.20 X
	Total Debt	1.58 B
	Debt To Equity	8.98 %
	Book Value Per Share	13.85 X
	Cash Flow From Operations	5.82 M
	Short Ratio	8.74 X
	Earnings Per Share	(1.26) X
	Price To Earnings To Growth	2.80 X
	Target Price	7.75
	Number Of Employees	555
	Beta	1.31
	Market Capitalization	679.35 M
	Total Asset	13.33 B
	Retained Earnings	218.57 M
	Annual Yield	0.01 %
	Net Asset	13.33 B
	Last Dividend Paid	0.01

About First Foundation Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze First Foundation's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of First Foundation using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of First Foundation based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

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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 First Foundation Piotroski F Score and First Foundation Valuation analysis.

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

You can also try the FinTech Suite module to use AI to screen and filter profitable investment opportunities.

Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of First Foundation. If investors know First will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about First Foundation listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

(0.93)

Dividend Share

0.01

Earnings Share

(1.26)

Revenue Per Share

1.829

Quarterly Revenue Growth

(0.03)

The market value of First Foundation is measured differently than its book value, which is the value of First that is recorded on the company's balance sheet. Investors also form their own opinion of First Foundation's value that differs from its market value or its book value, called intrinsic value, which is First Foundation's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because First Foundation's market value can be influenced by many factors that don't directly affect First Foundation's underlying business (such as a pandemic or basic market pessimism), market value can vary widely 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. However, First Foundation's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

Macroaxis helps investors of all levels and skills to maximize the upside of all their holdings and minimize the risk associated with market volatility, economic swings, and company-specific events. View terms and conditions

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First Foundation Stock Z Score

First Foundation Company Z Score Analysis

Z Score

Sum Of

5 Factors

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

First Z Score Driver Correlations

First Foundation Current Valuation Drivers

First Foundation ESG Sustainability

First Foundation Institutional Holders

First Fundamentals

About First Foundation Fundamental Analysis

Building efficient market-beating portfolios requires time, education, and a lot of computing power!

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