$6.03
+3.9%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.
Weak cash conversion. Significant portion of earnings not converting to cashโreview working capital trends and capital intensity.
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Deteriorating cash generation: Both declining FCF and weak conversion rate signal fundamental challenges. Investigate margin pressure, rising costs, or working capital issues.
FFWM โข NASDAQ
| First Foundation Inc. Cash Flow Statement | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 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 |
FFWM - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
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 |
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