First Foundation Inc.

FFWM

First Foundation Inc.

FFWM

Insider Sentiment (TTM):

Last Purchase:2023-05-11Last Sale:2024-02-29Shares Purchased (TTM):0Shares Sold (TTM):0

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:67,758,209Shares Outstanding:82,506,015Institutional Ownership Pct.:82.13%

Earnings Market Reaction:

Filing Date:2026-03-16Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31
Assets
Cash And Cash Equivalents At Carrying Value	1,625	1,727	1,056	1,014	1,016	1,106	1,421	1,588	1,327	819	926	1,317
Debt Securities Available For Sale Excluding Accru…	2,430	1,555	1,469	1,518	1,314	1,306	1,106	797	703	-	-	-
Debt Securities Held To Maturity Excluding Accrued…	634	648	664	692	712	735	755	776	790	801	815	847
Loans Receivable Held For Sale Net Not Part Of Dis…	261	467	477	1,312	1,286	1,788	-	-	0	-	-	-
Financing Receivable Excluding Accrued Interest Be…	6,729	7,302	7,548	7,685	7,941	8,089	10,087	10,086	10,178	10,283	10,585	10,670
Financing Receivable Allowance For Credit Loss Exc…	-94	-102	-38	-35	-32	-29	-29	-29	-29	-29	-31	-31
Financing Receivable Excluding Accrued Interest Af…	6,635	7,201	7,511	7,649	7,909	8,060	10,058	10,057	10,149	10,254	10,554	10,639
Federal Home Loan Bank Stock	44	44	50	45	38	38	38	37	25	25	19	59
Interest Receivable	46	45	51	51	55	54	58	53	54	51	-	-
Deferred Income Tax Assets Net	-	0	87	80	77	65	36	34	29	33	23	23
Property Plant And Equipment Net	35	35	36	37	36	37	37	40	40	39	37	38
Real Estate Investments	6	6	6	6	6	6	6	6	8	6	6	6
Intangible Assets Net Including Goodwill	-	-	-	-	-	-	-	-	-	-	6	221
Bank Owned Life Insurance	51	51	51	50	50	50	49	49	49	-	-	-
Intangible Assets Net Excluding Goodwill	2	3	3	3	4	4	4	5	5	5	-	-
Derivative Assets	9	-	-	0	5	-	6	6	-	-	-	-
Other Assets	125	128	129	131	138	128	138	139	149	197	254	255
Assets	11,904	11,910	11,588	12,588	12,645	13,377	13,714	13,586	13,327	13,052	12,841	13,616
Liabilities And Stockhold…
Liabilities
Debt And Capital Lease Obligations	-	-	-	-	-	-	-	-	-	-	976	2,295
Deposits	9,285	9,293	8,594	9,562	9,870	10,305	10,756	10,639	10,689	10,812	10,807	10,052
Subordinated Debt	174	174	173	173	173	173	173	173	173	173	-	-
Derivative Liabilities	7	9	9	10	-	5	-	-	-	-	-	-
Accrued Liabilities And Other Liabilities	96	94	93	108	123	132	135	140	131	162	142	136
Liabilities	10,991	10,992	10,538	11,528	11,592	12,307	12,781	12,658	12,402	12,132	11,925	12,482
Stockholders Equity
Preferred Stock Value	87	87	88	88	88	130	-	-	-	-	-	-
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital Common Stock	855	855	853	851	850	806	722	721	721	720	720	719
Retained Earnings Accumulated Deficit	-30	-22	124	132	125	139	221	219	219	217	216	429
Accumulated Other Comprehensive Income Loss Net Of…	1	-2	-14	-10	-9	-5	-10	-11	-14	-18	-20	-15
Stockholders Equity	913	918	1,051	1,061	1,053	1,070	933	929	925	919	916	1,134
Liabilities And Stockholders Equity	11,904	11,910	11,588	12,588	12,645	13,377	13,714	13,586	13,327	13,052	12,841	13,616
Debt Securities Available For Sale Amortized Cost …	2,427	1,557	1,486	1,536	1,335	1,314	1,136	829	731	-	-	-
Debt Securities Available For Sale Amortized Cost …	1	1	1	4	4	7	7	8	8	8	9	12
Held To Maturity Securities Fair Value	587	597	604	625	637	676	675	-	710	-	-	-
Debt Securities Held To Maturity Allowance For Cre…	-	-	-	625	-	-	-	-	-	-	-	-
Preferred Stock Par Or Stated Value Per Share	0	0.001	0.001	0.001	0	0.001	-	-	-	-	-	-
Preferred Stock Shares Issued	0	0	0	0	0	0	-	-	-	-	-	-
Preferred Stock Shares Outstanding	0	0	0	0	0	0	-	-	-	-	-	-
Common Stock Par Or Stated Value Per Share	0.001	0.001	0.001	0.001	0.001	0.001	0.01	-	0.001	-	-	-
Common Stock Shares Authorized	200	200	200	200	200	100	100	-	100	-	-	-
Common Stock Shares Issued	83	83	82	82	82	68	57	-	56	-	-	-
Shares Outstanding	83	83	82	82	82	68	57	-	56	-	-	-

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10‑Q10‑K

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2025	-3.37%	-1.69%	-6.93%	23.78%	17.68%	10.57%	12.99%	21.65%	23.62%	-	-	-
2024	6.67%	18.02%	27.57%	14.47%	-1.14%	17.72%	2.19%	-23.14%	-19.67%	-5.88%	8.32%	7.51%
2023	4.62%	-8.31%	59.82%	10.34%	-18.39%	-34.36%	31.95%	90.93%	104.34%	-9.08%	-13.55%	-19.67%
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Performance and Valuation Metrics

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Metrics	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31
Leverage & Debt
Interest Coverage TTM	-1.38	-1.43	-1.71	-1.67	-0.66	0.03	0.77	0.48	0.46	0.44	0.43	1.74
Per Share Metrics
Diluted EPS TTM	-1.88	-1.96	-1.18	-1.03	-1.41	-1.13	0.15	-3.66	-3.53	-3.26	-2.79	1.56
Free Cash Flow Per Share TTM	-0.43	-0.39	-0.33	-0.24	-0.17	-0.39	-0.49	-0.03	-0.01	0.64	0.95	1.15
Dividend Per Share TTM	0.00	0.00	0.00	0.01	0.02	0.03	0.05	0.06	0.16	0.26	0.35	0.44
Margin Metrics
Gross Profit Margin TTM	-928.67%	-935.36%	-974.17%	-1,011.92%	-1,082.35%	-1,861.90%	-1,837.86%	-1,816.47%	-1,710.69%	-776.52%	-576.44%	-324.71%
Operating Profit Margin TTM	-208.14%	-244.15%	-402.02%	-358.57%	-379.20%	-320.65%	12.41%	-600.96%	-567.20%	-493.50%	-387.33%	314.03%
Net Profit Margin TTM	-451.39%	-455.09%	-270.02%	-236.23%	-255.06%	-212.73%	24.41%	-589.25%	-564.37%	-506.96%	-431.21%	235.84%
Growth Metrics
Net Revenue Growth (1Y)	-5.12%	-0.50%	1.97%	4.12%	2.71%	-2.03%	-3.43%	-6.14%	-9.06%	-6.03%	-6.42%	-1.28%
Net Income Growth (1Y)	67.91%	112.85%	-1,228.04%	-58.26%	-53.58%	-58.89%	-105.47%	-334.50%	-280.13%	-257.44%	-225.69%	-25.27%
EPS Growth (1Y)	33.50%	73.00%	-873.93%	-71.38%	-60.07%	-65.36%	-105.46%	-334.06%	-280.12%	-257.28%	-225.78%	-25.15%
Calculated Values
Free Cash Flow TTM	-35.22M	-32.03M	-27.20M	-19.89M	-11.45M	-26.23M	-27.46M	-1.65M	-287.00K	36.12M	53.36M	64.65M
Net Debt	-1.62B	-1.73B	-1.06B	-1.01B	-1.02B	-1.11B	-1.42B	-1.59B	-1.33B	-818.50M	-926.08M	-1.32B
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2024-02-29Sale

Owner: Keller, Ulrich E. Jr

Title: Chairman

Shares: 25,000

Price/Share: $8.16

Value: $204,000.00

Shares Owned: 1,230,622

Relationship: Director,Officer

Ownership: Indirect

2023-12-15Sale

Owner: Keller, Ulrich E. Jr

Title: Chairman

Shares: 30,000

Price/Share: $8.90

Value: $267,000.00

Shares Owned: 215,000

Relationship: Director,Officer

Ownership: Indirect

2023-05-11Purchase

Owner: Lake, David G.

Title: -

Shares: 2,000

Price/Share: $3.99

Value: $7,980.00

Shares Owned: 137,801

Relationship: Director

Ownership: Direct

2023-05-09Purchase

Owner: Lake, David G.

Title: -

Shares: 2,000

Price/Share: $4.19

Value: $8,380.00

Shares Owned: 135,801

Relationship: Director

Ownership: Direct

2023-05-08Purchase

Owner: Pagliarini, Elizabeth A.

Title: -

Shares: 5,610

Price/Share: $4.35

Value: $24,403.50

Shares Owned: 18,205

Relationship: Director

Ownership: Indirect

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2024-02-29	Keller, Ulrich E. Jr	Director,Officer	Chairman	Indirect	Sale	25,000	8.16	$204,000.00	1,230,622	4
2023-12-15	Keller, Ulrich E. Jr	Director,Officer	Chairman	Indirect	Sale	30,000	8.90	$267,000.00	215,000	4
2023-05-11	Lake, David G.	Director	-	Direct	Purchase	2,000	3.99	$7,980.00	137,801	4
2023-05-09	Lake, David G.	Director	-	Direct	Purchase	2,000	4.19	$8,380.00	135,801	4
2023-05-08	Pagliarini, Elizabeth A.	Director	-	Indirect	Purchase	5,610	4.35	$24,403.50	18,205	4
2023-05-05	Rubin, Diane M.	Director	-	Indirect	Purchase	2,000	4.65	$9,300.00	16,111	4
2023-05-04	Lake, David G.	Director	-	Direct	Purchase	6,000	4.13	$24,780.00	133,801	4
2023-05-04	Sonenshine, Jacob	Director	-	Indirect	Purchase	8,000	4.12	$32,960.00	90,161	4
2023-05-03	Briggs, Max	Director	-	Indirect	Purchase	10,000	4.69	$46,900.00	46,072	4
2023-03-15	Hakopian, John	Director,Officer	President, FFA	Indirect	Sale	29,857	9.27	$276,774.39	620,842	4
2023-03-14	Naghibi, Christopher M.	Officer	Chief Operating Officer	Direct	Purchase	155	9.62	$1,491.10	5,373	4
2023-03-14	Kavanaugh, Scott F	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	9.61	$19,220.00	104,756	4
2023-02-28	Djou, Amy	Officer	Chief Financial Officer	Indirect	Sale	3,172	15.15	$48,061.41	0	4
2023-02-02	Keller, Ulrich E. Jr	Director,Officer	Chairman	Indirect	Sale	25,000	16.36	$409,000.00	1,263,014	4
2022-11-29	Kavanaugh, Scott F	Director,Officer	Chief Executive Officer	Indirect	Purchase	7,200	13.84	$99,648.00	1,291,529	4
2022-11-28	Pagliarini, Elizabeth A.	Director	-	Indirect	Purchase	5,471	13.70	$74,952.70	7,143	4
2022-04-29	Pagliarini, Elizabeth A.	Director	-	Indirect	Purchase	1,000	22.39	$22,390.00	1,672	4
2022-02-07	Rubin, Diane M.	Director	-	Indirect	Purchase	1,000	26.53	$26,530.00	11,076	4
2021-09-13	Hakopian, John	Director,Officer	President, FFA	Direct	Sale	5,000	25.01	$125,050.00	33,686	4
2021-09-10	Hakopian, John	Director,Officer	President, FFA	Direct	Sale	5,000	25.01	$125,050.00	33,686	4
2021-09-10	Keller, Ulrich E. Jr	Director,Officer	Chairman	Direct	Sale	5,000	24.74	$123,700.00	20,687	4
2021-09-09	Keller, Ulrich E. Jr	Director,Officer	Chairman	Direct	Sale	5,000	24.53	$122,650.00	20,687	4
2021-09-07	Hakopian, John	Director,Officer	President, FFA	Direct	Sale	4,193	24.52	$102,812.36	33,686	4
2021-09-03	Hakopian, John	Director,Officer	President, FFA	Direct	Sale	2,000	24.02	$48,040.00	33,686	4
2021-09-03	Keller, Ulrich E. Jr	Director,Officer	Chairman	Direct	Sale	5,000	23.94	$119,700.00	20,687	4
2021-09-01	Keller, Ulrich E. Jr	Director,Officer	Chairman	Direct	Sale	5,000	23.91	$119,550.00	20,687	4
2021-08-30	Keller, Ulrich E. Jr	Director,Officer	Chairman	Direct	Sale	5,000	24.31	$121,550.00	20,687	4
2021-08-25	Kavanaugh, Scott F	Director,Officer	Chief Executive Officer	Direct	Sale	4,203	24.43	$102,679.29	78,565	4
2021-08-11	Keller, Ulrich E. Jr	Director,Officer	Chairman	Direct	Sale	10,000	24.84	$248,400.00	20,687	4
2021-08-06	Kavanaugh, Scott F	Director,Officer	Chief Executive Officer	Direct	Sale	40,000	25.05	$1,002,000.00	78,565	4
2021-08-06	Hakopian, John	Director,Officer	President, FFA	Direct	Sale	10,000	25.04	$250,400.00	33,686	4
2021-08-05	Hakopian, John	Director,Officer	President, FFA	Direct	Sale	5,000	24.52	$122,600.00	33,686	4
2021-06-15	Keller, Ulrich E. Jr	Director,Officer	Chairman	Direct	Sale	6,760	24.00	$162,240.00	20,687	4
2021-06-14	Keller, Ulrich E. Jr	Director,Officer	Chairman	Direct	Sale	3,240	24.15	$78,246.00	20,687	4
2021-06-11	Keller, Ulrich E. Jr	Director,Officer	Chairman	Direct	Sale	10,000	24.58	$245,800.00	20,687	4
2021-06-08	Hakopian, John	Director,Officer	President, FFA	Direct	Sale	8,807	25.20	$221,936.40	33,686	4
2021-03-12	Hakopian, John	Director,Officer	President, FFA	Direct	Sale	10,000	25.25	$252,500.00	33,686	4
2021-03-08	Hakopian, John	Director,Officer	President, FFA	Direct	Sale	10,000	25.04	$250,400.00	33,686	4
2021-03-01	Hakopian, John	Director,Officer	President, FFA	Direct	Sale	20,000	23.43	$468,600.00	33,686	4
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Institutional Ownership

No data available for chart

2026-03-31

82.13%

Inst. Shares: 67,758,209

Shares Outstanding: 82,506,015

2025-12-31

85.85%

Inst. Shares: 70,828,836

Shares Outstanding: 82,506,015

2025-09-30

83.57%

Inst. Shares: 68,881,048

Shares Outstanding: 82,424,884

2025-06-30

83.24%

Inst. Shares: 68,575,294

Shares Outstanding: 82,386,071

2025-03-31

80.68%

Inst. Shares: 66,456,721

Shares Outstanding: 82,373,616

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	67,758,209	82,506,015	82.13%
2025-12-31	70,828,836	82,506,015	85.85%
2025-09-30	68,881,048	82,424,884	83.57%
2025-06-30	68,575,294	82,386,071	83.24%
2025-03-31	66,456,721	82,373,616	80.68%
2024-12-31	68,107,861	65,598,430	103.83%
2024-09-30	58,647,818	66,992,701	87.54%
2024-06-30	43,050,313	56,523,640	76.16%
2024-03-31	40,734,576	56,484,655	72.12%
2023-12-31	39,328,889	56,426,093	69.70%
2023-09-30	38,862,792	56,443,539	68.85%
2023-06-30	37,040,261	56,430,813	65.64%
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First Foundation Inc. (FFWM) — SEC Financial Statements & Analysis

First Foundation Inc. (FFWM) is a state commercial banks company, incorporated in CA. First Foundation Inc. trades on NYSE as: FFWM. Based on its latest SEC filing (Form 10-Q, period ending 2025-12-31), First Foundation Inc. reported a -5.12% year-over-year revenue growth, a Gross Profit Margin of -928.67% (TTM). Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: -5.12%
Gross Profit Margin TTM: -928.67%

Data as of 2025-12-31 · Source: SEC EDGAR

Frequently Asked Questions

What industry is First Foundation Inc. in?

First Foundation Inc. (FFWM) operates in the State Commercial Banks industry.

What exchange does FFWM trade on?

First Foundation Inc. (FFWM) trades on the NYSE.

Where is First Foundation Inc. incorporated?

First Foundation Inc. is incorporated in CA.