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First Foundation, Inc.

  • Market Cap: Micro Cap
  • Industry: Regional Banks
  • ISIN: US32026V1044
USD
5.67
0.13 (2.35%)

Dec 04

NYS

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Comparison
Company
Score
Quality
Valuation
Financial
Technical
SmartFinancial, Inc.
Mid Penn Bancorp, Inc.
Burke Herbert Financial Services Corp.
Northeast Bank (Maine)
Five Star Bancorp
Shore Bancshares, Inc.
Summit Financial Group, Inc. (West Virginia)
Red River Bancshares, Inc.
Bar Harbor Bankshares
Enterprise Bancorp, Inc.
First Foundation, Inc.
Why is First Foundation, Inc. ?
1
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
2
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%
3
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 -29.43%, its profits have fallen by -1116.5%
4
Consistent Underperformance against the benchmark over the last 3 years
  • Along with generating -29.43% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods
stock-recommendationReal-Time Research Report
Verdict Report
How much should you sell?
  1. 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.
-28.59%
-0.06
44.24%
S&P 500
13.22%
0.64
20.20%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors
Factor
Value
Sales Growth (5y)
18.75%
EBIT Growth (5y)
-195.75%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
94.65%
ROCE (avg)
0
ROE (avg)
0
stock-recommendationValuation
Valuation Scorecard stock-summary
stock-recommendation
Valuation grade scale :

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

Valuation Key Factors stock-summary
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
0.41
EV to EBIT
0.63
EV to EBITDA
0.66
EV to Capital Employed
-0.16
EV to Sales
-0.14
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
-8.14%
stock-recommendationTechnicals
Technical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Mildly Bearish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Bearish
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend
Financial Trend Scorecard stock-summary
stock-recommendation
Financial Trend scale:

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

3What is working for the Company
NET PROFIT(HY)

Higher at USD -0.79 MM

-19What is not working for the Company
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%

DIVIDEND PER SHARE(HY)

Lowest at USD 0

NET SALES(Q)

Lowest at USD 137.12 MM

Here's what is working for First Foundation, Inc.
CASA
Highest at 12.13%
in the last five periods
MOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for First Foundation, Inc.
Pre-Tax Profit
At USD -10.87 MM has Fallen at -508.03%
Year on Year (YoY)
MOJO Watch
Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Net Profit
At USD -7.69 MM has Fallen at -349.27%
Year on Year (YoY)
MOJO Watch
Near term Net Profit trend is very negative

Net Profit (USD MM)

Operating Cash Flow
Lowest at USD -23.68 MM and Fallen
In each year in the last three years
MOJO Watch
The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Net Sales
Lowest at USD 137.12 MM
in the last five periods
MOJO Watch
Near term sales trend is negative

Net Sales (USD MM)

Dividend per share
Lowest at USD 0
in the last five years
MOJO Watch
Company is distributing lower dividend than previous years

DPS (USD)

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