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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash-to-Debt 0.18
FFWM's Cash-to-Debt is ranked lower than
88% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. FFWM: 0.18 )
Ranked among companies with meaningful Cash-to-Debt only.
FFWM' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.08  Med: 0.29 Max: 0.63
Current: 0.18
0.08
0.63
Equity-to-Asset 0.09
FFWM's Equity-to-Asset is ranked lower than
70% of the 1597 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.11 vs. FFWM: 0.09 )
Ranked among companies with meaningful Equity-to-Asset only.
FFWM' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.08 Max: 0.11
Current: 0.09
0.07
0.11
Debt-to-Equity 1.24
FFWM's Debt-to-Equity is ranked lower than
75% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. FFWM: 1.24 )
Ranked among companies with meaningful Debt-to-Equity only.
FFWM' s Debt-to-Equity Range Over the Past 10 Years
Min: 1.24  Med: 2.44 Max: 4.4
Current: 1.24
1.24
4.4
Debt-to-EBITDA 12.95
FFWM's Debt-to-EBITDA is ranked lower than
79% of the 1222 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.34 vs. FFWM: 12.95 )
Ranked among companies with meaningful Debt-to-EBITDA only.
FFWM' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 11.91  Med: 17.62 Max: 32.92
Current: 12.95
11.91
32.92
Interest Coverage 2.18
FFWM's Interest Coverage is ranked higher than
59% of the 1536 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. FFWM: 2.18 )
Ranked among companies with meaningful Interest Coverage only.
FFWM' s Interest Coverage Range Over the Past 10 Years
Min: 2.18  Med: 3.23 Max: 3.64
Current: 2.18
2.18
3.64
Beneish M-Score: -2.10
WACC vs ROIC
3.12%
3.45%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating Margin % 33.22
FFWM's Operating Margin % is ranked higher than
52% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 32.45 vs. FFWM: 33.22 )
Ranked among companies with meaningful Operating Margin % only.
FFWM' s Operating Margin % Range Over the Past 10 Years
Min: 17.08  Med: 21.94 Max: 33.22
Current: 33.22
17.08
33.22
Net Margin % 18.11
FFWM's Net Margin % is ranked lower than
64% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.18 vs. FFWM: 18.11 )
Ranked among companies with meaningful Net Margin % only.
FFWM' s Net Margin % Range Over the Past 10 Years
Min: 12.42  Med: 14.15 Max: 18.79
Current: 18.11
12.42
18.79
ROE % 8.47
FFWM's ROE % is ranked higher than
50% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. FFWM: 8.47 )
Ranked among companies with meaningful ROE % only.
FFWM' s ROE % Range Over the Past 10 Years
Min: 7.45  Med: 8.57 Max: 9.79
Current: 8.47
7.45
9.79
ROA % 0.68
FFWM's ROA % is ranked lower than
64% of the 1617 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. FFWM: 0.68 )
Ranked among companies with meaningful ROA % only.
FFWM' s ROA % Range Over the Past 10 Years
Min: 0.68  Med: 0.7 Max: 0.84
Current: 0.68
0.68
0.84
GuruFocus has detected 5 Warning Signs with First Foundation Inc FFWM.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» FFWM's 30-Y Financials

Financials (Next Earnings Date: 2018-05-06 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2017

FFWM Guru Trades in Q1 2017

Jim Simons 271,280 sh (-18.69%)
» More
Q2 2017

FFWM Guru Trades in Q2 2017

Jim Simons 161,400 sh (-40.50%)
» More
Q3 2017

FFWM Guru Trades in Q3 2017

Jim Simons 229,305 sh (+42.07%)
» More
Q4 2017

FFWM Guru Trades in Q4 2017

Jim Simons 256,396 sh (+11.81%)
» More
» Details

Insider Trades

Latest Guru Trades with FFWM

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:HBNC, NAS:FLIC, NAS:GSBC, NAS:BDGE, NAS:PSTB, NAS:CBTX, NYSE:BY, NAS:SBT, NAS:VBTX, NAS:GNBC, NAS:TSC, NAS:ORIT, NAS:TBK, XPTY:GBGR, NAS:CAC, NAS:LBC, NAS:PGC, NAS:PCBK, NAS:CARO, NAS:XBKS » details
Traded in other countries:8F1.Germany,
Headquarter Location:USA
First Foundation Inc is a financial services company. It focuses on providing investment management, wealth planning, consulting, banking products and services, life insurance services, property and casualty insurance services to their clients.

First Foundation Inc is an US-based financial services company. It is engaged in providing personalized financial services to high net-worth individuals and their families. The company focuses on providing investment management, wealth planning, consulting, trust, banking products and services, life insurance services and property and casualty insurance services to meet the financial needs of our clients. It also offers loans to individuals and entities that own and operate multifamily residential and commercial real estate properties as well as business banking products and services to small to moderate-sized businesses, professional firms and consumer banking products and services to individuals. Primary source of the company's revenue is interest income and asset management fees.

Ratios

vs
industry
vs
history
PE Ratio 23.55
FFWM's PE Ratio is ranked lower than
78% of the 1487 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.21 vs. FFWM: 23.55 )
Ranked among companies with meaningful PE Ratio only.
FFWM' s PE Ratio Range Over the Past 10 Years
Min: 16.87  Med: 20.17 Max: 49.38
Current: 23.55
16.87
49.38
Forward PE Ratio 15.58
FFWM's Forward PE Ratio is ranked lower than
73% of the 391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.66 vs. FFWM: 15.58 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 23.55
FFWM's PE Ratio without NRI is ranked lower than
78% of the 1489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.35 vs. FFWM: 23.55 )
Ranked among companies with meaningful PE Ratio without NRI only.
FFWM' s PE Ratio without NRI Range Over the Past 10 Years
Min: 16.66  Med: 20.06 Max: 49.89
Current: 23.55
16.66
49.89
Price-to-Owner-Earnings 20.12
FFWM's Price-to-Owner-Earnings is ranked lower than
70% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.40 vs. FFWM: 20.12 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
FFWM' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 17.52  Med: 20.1 Max: 20.99
Current: 20.12
17.52
20.99
PB Ratio 1.80
FFWM's PB Ratio is ranked lower than
79% of the 1594 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. FFWM: 1.80 )
Ranked among companies with meaningful PB Ratio only.
FFWM' s PB Ratio Range Over the Past 10 Years
Min: 1.2  Med: 1.46 Max: 2.01
Current: 1.8
1.2
2.01
PS Ratio 4.50
FFWM's PS Ratio is ranked lower than
67% of the 1564 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.50 vs. FFWM: 4.50 )
Ranked among companies with meaningful PS Ratio only.
FFWM' s PS Ratio Range Over the Past 10 Years
Min: 2  Med: 3.41 Max: 4.7
Current: 4.5
2
4.7
Price-to-Free-Cash-Flow 21.40
FFWM's Price-to-Free-Cash-Flow is ranked lower than
82% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.40 vs. FFWM: 21.40 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
FFWM' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 12.65  Med: 24.4 Max: 40.36
Current: 21.4
12.65
40.36
Price-to-Operating-Cash-Flow 19.07
FFWM's Price-to-Operating-Cash-Flow is ranked lower than
81% of the 964 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.32 vs. FFWM: 19.07 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
FFWM' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 11.89  Med: 20.1 Max: 28.23
Current: 19.07
11.89
28.23
EV-to-EBIT 19.93
FFWM's EV-to-EBIT is ranked lower than
71% of the 1223 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.91 vs. FFWM: 19.93 )
Ranked among companies with meaningful EV-to-EBIT only.
FFWM' s EV-to-EBIT Range Over the Past 10 Years
Min: 17.9  Med: 26.6 Max: 43
Current: 19.93
17.9
43
EV-to-EBITDA 19.25
FFWM's EV-to-EBITDA is ranked lower than
73% of the 1230 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. FFWM: 19.25 )
Ranked among companies with meaningful EV-to-EBITDA only.
FFWM' s EV-to-EBITDA Range Over the Past 10 Years
Min: 17.1  Med: 24.85 Max: 40.6
Current: 19.25
17.1
40.6
EV-to-Revenue 6.61
FFWM's EV-to-Revenue is ranked lower than
73% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.15 vs. FFWM: 6.61 )
Ranked among companies with meaningful EV-to-Revenue only.
FFWM' s EV-to-Revenue Range Over the Past 10 Years
Min: 5.8  Med: 7.4 Max: 11.3
Current: 6.61
5.8
11.3

Buy Back

vs
industry
vs
history

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.97
FFWM's Price-to-Tangible-Book is ranked lower than
75% of the 1587 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.31 vs. FFWM: 1.97 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FFWM' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.27  Med: 1.45 Max: 1.99
Current: 1.97
1.27
1.99
Price-to-Median-PS-Value 1.32
FFWM's Price-to-Median-PS-Value is ranked lower than
63% of the 1414 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. FFWM: 1.32 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
FFWM' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.62  Med: 0.94 Max: 1.34
Current: 1.32
0.62
1.34
Price-to-Graham-Number 1.43
FFWM's Price-to-Graham-Number is ranked lower than
73% of the 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. FFWM: 1.43 )
Ranked among companies with meaningful Price-to-Graham-Number only.
FFWM' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 1.06  Med: 1.15 Max: 1.74
Current: 1.43
1.06
1.74
Earnings Yield (Greenblatt) % 5.03
FFWM's Earnings Yield (Greenblatt) % is ranked lower than
54% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.69 vs. FFWM: 5.03 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FFWM' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2.3  Med: 3.8 Max: 5.6
Current: 5.03
2.3
5.6

More Statistics

Revenue (TTM) (Mil) $152.34
EPS (TTM) $ 0.79
Beta0.63
Short Percentage of Float2.31%
52-Week Range $14.67 - 19.84
Shares Outstanding (Mil)38.21

Analyst Estimate

Dec18 Dec19
Revenue (Mil $) 204 254
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 1.19 1.49
EPS without NRI ($) 1.19 1.49
EPS Growth Rate
(Future 3Y To 5Y Estimate)
7.00%
Dividends per Share ($)

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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