First Foundation Inc.

First Foundation Inc.

FFWMยทNASDAQ

$6.03

+3.9%
Financial ServicesBanks - Regional

First Foundation Inc., through its subsidiaries, provides personal banking, business banking, and private wealth management services in the United States. It operates through two segments, Banking and Wealth Management. The company offers a range of bank deposit products, including personal and business checking accounts, savings accounts, interest-bearing negotiable order of withdrawal 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, and 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. It also provides various specialized services comprising trust services, internet 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, the company offers investment management and financial planning services; treasury management services; advisory and coordination services in the areas of estate planning, retirement planning, and charitable and business ownership issues; and financial, investment, and economic advisory and related services. Further, it provides support services, including the processing and transmission of financial and economic data for charitable organizations. The company operates through a network of 28 branch offices and 3 loan production offices in California, Nevada, Texas, and Hawaii. First Foundation Inc. was founded in 1985 and is headquartered in Dallas, Texas.

At a Glance

Live Snapshot
Market Cap$496.65M
EPS-1.4100
P/E Ratio-4.41
Earnings Date01/29/2026
First Foundation Inc.

First Foundation Inc. Fair Value Envelope

FFWM ยท NASDAQ

Our analysis suggests that FFWM has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $6.03, this represents a potential HIDDEN relative to our calculated worth for First Foundation Inc..

Intrinsic Value
Current Price: $6.03

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value-$8.0M
+ Cash & Equivalents$1.0B
Firm Value$1.0B
- Debt$1.6B
Equity Value-$590.7M
/ Shares Outstanding82,386,100B
DCF Value-$7
OVERVALUED BY 219%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
-$4.4M
-$2.2M
-$1.1M
-$549.0K
-$274.5K
-$137.3K
-$68.6K
-$34.3K
-$17.2K
-$8.6K
Maintenance CapEx
-$272.6K
-$136.3K
-$68.2K
-$34.1K
-$17.0K
-$8.5K
-$4.3K
-$2.1K
-$1.1K
-$532
Owner Earnings
-$4.7M
-$2.3M
-$1.2M
-$583.1K
-$291.5K
-$145.8K
-$72.9K
-$36.4K
-$18.2K
-$9.1K
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
-$4.3M
-$2.0M
-$925.7K
-$428.6K
-$198.4K
-$91.9K
-$42.5K
-$19.7K
-$9.1K
-$4.2K
Terminal Value represents 0.0% of Enterprise Value
Negative Owner Earnings
This company generates negative free cash flow. Consider adjusting maintenance CapEx percentage or check the financial data.