First Foundation, Inc. (FFWM) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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First Foundation, Inc.

Why is First Foundation, Inc. ?

With a Operating Losses, the company has a Weak Long Term Fundamental Strength

A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans

With a fall in Interest of NAN%, the company declared Very Negative results in Jun 25

OPERATING CASH FLOW(Y) Lowest at USD -23.68 MM
PRE-TAX PROFIT(Q) At USD -10.87 MM has Fallen at -508.03%
NET PROFIT(Q) At USD -7.69 MM has Fallen at -349.27%

Risky - Negative EBITDA

The stock is trading risky as compared to its average historical valuations
Over the past year, while the stock has generated a return of -21.14%, its profits have fallen by -1116.5%

Consistent Underperformance against the benchmark over the last 3 years

Along with generating -21.14% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is First Foundation, Inc. for you?

High Risk, Low Return

Absolute

Risk Adjusted

Volatility

First Foundation, Inc.

25.11%

0.16

44.14%

S&P 500

20.78%

0.70

20.15%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

17.27%

EBIT Growth (5y)

-172.78%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

97.64%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

NA (Loss Making)

Industry P/E

Price to Book Value

0.43

EV to EBIT

-4.73

EV to EBITDA

-4.92

EV to Capital Employed

0.54

EV to Sales

1.21

PEG Ratio

Dividend Yield

ROCE (Latest)

-11.47%

ROE (Latest)

-9.24%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Mildly Bullish

RSI

No Signal

Bearish

Bollinger Bands

Bearish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Mildly Bullish

Dow Theory

Mildly Bearish

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

2What is working for the Company

CASH AND EQV(HY)

Highest at USD 3,351.84 MM

PRE-TAX PROFIT(Q)

At USD -8.01 MM has Grown at 65.12%

-16What is not working for the Company

NET PROFIT(HY)

At USD -154.36 MM has Grown at -60.32%

NET SALES(Q)

Lowest at USD 127.39 MM

NII(Q)

Lowest at USD 39.44 MM

CREDIT DEPOSIT RATIO(HY)

Lowest at 72.48%

Here's what is working for First Foundation, Inc.

Pre-Tax Profit

At USD -8.01 MM has Grown at 65.12%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Cash and Eqv

Highest at USD 3,351.84 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Here's what is not working for First Foundation, Inc.

Net Profit

At USD -154.36 MM has Grown at -60.32%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (USD MM)

Net Sales

Lowest at USD 127.39 MM and Fallen

In each period in the last five periods

MOJO Watch

Near term sales trend is very negative

Net Sales (USD MM)

NII

Lowest at USD 39.44 MM

in the last five periods

MOJO Watch

The bank's income from core business is falling

NII (USD MM)

Net Sales

Fallen at -16.45%

Year on Year (YoY)

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)

Credit Deposit Ratio

Lowest at 72.48%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)