US · FFWM
First Foundation Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Dallas, TX 75201
- Website
- firstfoundationinc.com
Price · as of 2025-12-31
—
Market cap 486.53M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $41.75 | — |
| Intrinsic Value(DCF) | $5.59 | — |
| Graham-Dodd Method(GD) | $1.63 | — |
| Graham Formula(GF) | — | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | $5.15 | $7.00 | |||
| 2013 | $6.33 | $12.33 | |||
| 2014 | $8.39 | $40.96 | $29.07 | $9.14 | $15.93 |
| 2015 | $9.89 | $42.03 | $13.34 | $14.64 | $21.62 |
| 2016 | $14.36 | $54.59 | $73.39 | $12.38 | $35.60 |
| 2017 | $17.41 | $42.06 | $61.39 | $14.66 | $26.55 |
| 2018 | $13.30 | $40.32 | $76.85 | $18.39 | $42.85 |
| 2019 | $12.81 | $38.65 | $24.08 | $17.06 | $33.88 |
| 2020 | $23.59 | $64.80 | $20.27 | $20.83 | $27.66 |
| 2021 | $24.70 | $38.10 | $40.51 | $30.67 | $34.49 |
| 2022 | $11.44 | $22.20 | $19.97 | $19.48 | $79.62 |
| 2023 | $8.12 | $35.24 | $9.50 | $0.00 | $0.00 |
| 2024 | $4.79 | $43.09 | $11.54 | $8.76 | $4.45 |
| 2025 | $5.96 | $41.75 | $5.69 | $1.63 | $0.00 |
AI valuation
Our deep-learning model estimates First Foundation Inc.'s (FFWM) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $41.75
- Current price
- —
- AI upside
- —
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$5.59
— upside
Graham-Dodd
$1.63
— upside
Graham Formula
—
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| FFWM | First Foundation Inc. | $5.87 | 486.53M | +611% | -5% | -72% | — | -3.17 | 0.54 | 0.84 | 27.40 | -9.51 | 0.54 | 28.97% | -12.16% | -26.37% | -15.78% | 11.76% | -1.26% | 1.76 | -0.20 | 1.41 | 1.39 | 0.29 | 3333.00% | 2218.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 122.73% | 27.40 | — | -3.33 | 0.17 |
| ACNB | ACNB Corporation | $50.40 | 523.39M | -9% | +40% | -40% | +68% | 10.70 | 1.12 | 2.58 | 12.65 | 1984.13 | 1.36 | 84.05% | 30.58% | 24.09% | 10.97% | 12.09% | 1.32% | 0.90 | 1.69 | 0.04 | 0.04 | 5.22 | 54.00% | 1520.00% | -155.00% | 11.40% | 0.02 | 14.73% | 3.15% | 33.60% | 3.22% | 13.60 | 14.16 | 4.16 | -0.53 |
| BWB | Bridgewater Bancshares, I… | $18.28 | 507.45M | +168% | -11% | +9% | +21% | 11.72 | 0.84 | 1.53 | 4.76 | — | 0.88 | 41.45% | 17.00% | 13.05% | 7.43% | 16.56% | 0.68% | 0.99 | 0.30 | 0.17 | 0.17 | 4.78 | -1890.00% | 1079.00% | 5639.00% | 10.99% | 0.01 | 21.34% | 1.05% | 12.40% | 19.53% | 5.10 | 5.15 | 0.87 | -0.59 |
| CBNK | Capital Bancorp, Inc. | $29.41 | 485.88M | +97% | -12% | -4% | +78% | 13.18 | 1.15 | 1.68 | 3.05 | — | 1.28 | 68.36% | 17.27% | 12.78% | 10.15% | 25.08% | 1.14% | 0.10 | 0.71 | 0.12 | 0.12 | -3.89 | -1686.00% | 1730.00% | -2760.00% | 8.03% | 0.01 | 26.53% | 1.29% | 17.00% | 42.49% | 3.21 | 4.09 | 0.55 | -0.61 |
| FFIC | Flushing Financial Corpor… | $15.43 | 521.2M | +101% | +40,865% | +51% | -34% | 28.99 | 0.77 | 1.21 | 25.43 | — | 0.77 | 41.86% | 7.62% | 4.17% | 2.64% | 2.90% | 0.21% | 0.84 | 0.14 | 3.45 | 3.45 | 11.70 | -15143.00% | 1106.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 70.67% | 29.37 | — | 2.24 | 0.20 |
| MSBI | Midland States Bancorp, I… | $22.13 | 476.94M | -8% | 0% | -58% | +21% | 10.01 | 0.54 | 0.70 | -5.59 | — | 0.73 | 43.21% | 8.59% | 6.97% | 5.06% | 18.38% | 0.49% | 0.60 | 0.25 | 0.23 | 0.23 | 6.59 | -4335.00% | 739.00% | 1627.00% | 44.55% | 0.03 | 81.97% | 9.45% | 94.60% | 53.17% | -5.59 | -1.55 | -0.48 | -0.62 |
| NFBK | Northfield Bancorp, Inc. | $13.34 | 557.13M | +208% | -6% | +30% | — | 675.84 | 0.78 | 2.92 | 2.32 | — | 0.78 | 35.34% | 9.25% | 0.43% | 0.11% | 2.82% | 0.01% | 1.48 | 0.15 | 0.59 | 0.59 | 17.38 | -9725.00% | -2669.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 7.90 | — | 0.73 | -0.10 |
| NRIM | Northrim BanCorp, Inc. | $23.49 | 518.91M | +304% | +2% | -62% | +121% | 11.02 | 1.52 | 2.08 | -1.84 | 23.00 | 2.18 | 77.53% | 23.98% | 18.87% | 14.73% | -10.24% | 1.26% | 0.15 | 1.15 | 0.24 | 0.24 | -0.43 | 4788.00% | 2377.00% | -12866.00% | -2.30% | 0.00 | 2.59% | 3.38% | 37.20% | 3.57% | -1.98 | 9.98 | -0.48 | -0.48 |
| PFIS | Peoples Financial Service… | $53.60 | 535.71M | +169% | +33% | +38% | +224% | 9.17 | 1.04 | 1.93 | 11.09 | 1.86 | 1.30 | 66.60% | 25.71% | 21.07% | 11.97% | 10.96% | 1.14% | 0.50 | 0.77 | 0.09 | 0.00 | 3.58 | 49394.00% | 2226.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 11.09 | — | 2.85 | -0.44 |
| UNTY | Unity Bancorp, Inc. | $53.19 | 534M | -6% | +19% | -20% | +24% | 10.23 | 1.43 | 2.60 | 8.06 | 178.61 | 1.44 | 62.55% | 33.35% | 25.42% | 14.88% | 12.34% | 1.58% | 0.78 | 0.95 | 0.10 | 0.10 | 0.88 | 573.00% | 819.00% | 292.00% | 11.15% | 0.02 | 14.07% | 1.18% | 12.10% | 31.32% | 8.44 | 9.71 | 2.81 | -0.50 |
About First Foundation Inc.
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.
- CEO
- Thomas C. Shafer
- Employees
- 561
- Beta
- 0.92
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($5.59 ÷ —) − 1 = — (DCF, example).