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
3Y-109.0%
5Y-115.0%
10Y-163.0%
3Y-462.0%
5Y-167.0%
10Y-131.0%
3Y-224.0%
5Y-262.0%
10Y-154.0%
FFWM

First Foundation Inc. Cash Conversion Engine

FFWM ยท NASDAQ
Net Income-92.41M
Depreciation & Amortization7.97M
Stock-Based Compensation1.95M
Change in Working Capital2.92M
Others120.54M
Capital Expenditures-2.73M
Free Cash Flow-11.51M

Cash Flow Quality Analysis

FCF Conversion Rate

12.5%

Weak cash conversion. Significant portion of earnings not converting to cashโ€”review working capital trends and capital intensity.

CapEx Intensity

-31.0%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

-3910.5%

Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.

Working Capital Impact

+$2.92M

Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.

Cash Flow Quality Insight

Deteriorating cash generation: Both declining FCF and weak conversion rate signal fundamental challenges. Investigate margin pressure, rising costs, or working capital issues.

First Foundation Inc. Cash Flow Statement

FFWM โ€ข NASDAQ

First Foundation Inc. Cash Flow StatementDec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011
OPERATING ACTIVITIES
-92.4M
-199.1M
110.5M
109.5M
84.4M
56.2M
43M
27.6M
23.3M
13.4M
8.4M
7.9M
5.8M
9.1M
8M
8.2M
8.7M
6.8M
6.6M
6.6M
5.9M
3.3M
2.3M
1.5M
1.2M
1M
591K
339K
-49.8M
-3.6M
487K
-1.6M
-1.6M
-73K
1.2M
4.5M
1.3M
-1.9M
576K
-1.3M
-2.1M
0.0
2M
1.7M
3.5M
2.8M
2.1M
1.6M
2.6M
1.8M
899K
613K
451K
579K
720K
0.0
120.5M
207.4M
1M
-4.8M
2.2M
-8.5M
-2.9M
-5M
-5.6M
-874K
-3.1M
-574K
2.1M
-4.3M
(177K)
(0.0)
(41M)
(39.5M)
(31.3M)
(23.6M)
(16.6M)
(14.7M)
(17.2M)
(10.1M)
(5.4M)
(3.5M)
(2.5M)
(0.0)
2.9M
-6.7M
-22.7M
-15.8M
-26.3M
4.6M
1.2M
5.6M
-2.4M
1.1M
1.8M
337K
1.3M
-264K
-8.8M
7.9M
101.1M
96.9M
67.4M
60.4M
51M
37.9M
19.8M
13.9M
9.4M
8M
8.4M
4.9M
INVESTING ACTIVITIES
-2.7M
-8.2M
-4.6M
-3.2M
-2.9M
-2.2M
-2.7M
-2.2M
-5.9M
-1.8M
-169K
-1.9M
-1.4M
-982K
(0.0)
(0.0)
(0.0)
(1.1B)
(0.0)
(0.0)
(47.6M)
(91M)
(0.0)
(38.1M)
(0.0)
(0.0)
(34.9M)
(0.0)
-1.9B
-667.5M
-172.7M
-454.8M
-56.6M
-577.8M
-365.5M
-29.3M
-145.6M
-446.7M
-83.5M
-62.7M
-19.1M
-10.2M
1.4B
266.7M
252.7M
271.6M
270.5M
379.5M
91.2M
135.8M
195.3M
22.8M
8.4M
6.6M
32.5M
13.9M
805M
541.7M
-3.3B
-1B
-235.9M
-226.5M
-450.1M
-764.2M
-1B
-529M
-265M
-155.8M
-132.9M
-188M
(287.4M)
(132.8M)
-3.2B
-79.4M
-24.9M
-427M
-679.6M
-569M
-1B
-916.5M
-340.3M
-213.8M
-86M
-185.3M
FINANCING ACTIVITIES
35.2M
-538K
-4.6M
-1.7M
-2.8M
-23K
13.2M
28.4M
4.3M
136.2M
949K
6.3M
5.6M
0.0
55.1M
320.1M
1.2B
-237.9M
-474M
35M
-49.6M
-580M
454M
513.1M
141.8M
41.1M
9M
11M
-1.1M
-9M
-24.8M
-16.2M
-12.5M
-8.9M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-149K
-538K
-4.6M
-1.7M
-2.8M
-23K
-497K
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-816.7M
218.9M
1.6B
730.3M
1B
338.6M
611.9M
605.2M
904.6M
439.4M
160.9M
152.3M
116M
123.6M
-589.1M
529.4M
2.7B
474.5M
521.8M
364.7M
575.5M
53.6M
1.4B
1.1B
303.7M
199.7M
130.6M
134.6M
CASH FLOW SUMMARY
-310.5M
670.1M
-465.3M
492.1M
564.3M
-1.9M
-53.1M
-477.6M
382.2M
186.1M
-27.3M
-6.2M
53M
0.0
1.3B
656.5M
1.1B
629.7M
65.4M
67.3M
120.4M
597.9M
215.7M
29.7M
57M
63.1M
10.1M
0.0
1B
1.3B
656.5M
1.1B
629.7M
65.4M
67.3M
120.4M
597.9M
215.7M
29.7M
57M
63.1M
0.0
-11.5M
-287K
96.5M
93.7M
64.6M
58.2M
48.3M
35.6M
13.8M
12.1M
9.2M
6.1M
7.1M
3.9M

SEC Filings

FFWM - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

April 01, 2026
April 01, 2026
2026
10-K/A

10-K/A 2025 FY (Amended)

FY

March 31, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

March 31, 2026
March 26, 2026
2026
10-K

10-K 2025 FY

FY

March 16, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

March 12, 2026
March 11, 2026
2026
8-K

8-K 2026

N/A

February 27, 2026
February 27, 2026
2026
8-K

8-K 2026

N/A

February 25, 2026
February 25, 2026
2026
8-K

8-K 2026

N/A

February 06, 2026
February 06, 2026
2026
8-K

8-K 2026

N/A

January 29, 2026
January 29, 2026
2026
10-Q

10-Q 2025 Q3

Q3

November 10, 2025
September 30, 2025
2025
Showing 1 to 10 of 265 filings