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First Foundation Inc.

NASDAQ•FFWM
CEO: Mr. Christopher M. Naghibi Esq.
セクター: Financial Services
業種: Banks - Regional
上場日: 2014-11-03
First Foundation Inc., through its subsidiaries, provides banking services, investment advisory, wealth management, and trust services to individuals, businesses, and other organizations in the United States. The company operates in two segments, Banking and Wealth Management. It offers a range of deposit products, including personal and business checking accounts, savings accounts, interest-bearing demand deposit 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, 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. The company also provides various specialized services comprising trust services, online 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, it offers investment management and financial planning services; financial, investment, and economic advisory and related services; and treasury management services, such as bill pay, check/payee/ACH positive pay, wire origination, internal and external transfers, account reconciliation reporting, mobile deposit, lockbox, cash vault services and merchant processing. Further, the company provides support services, including the processing and transmission of financial and economic data for charitable organizations. It operates through a network of branch offices and loan production offices. The company was founded in 1985 and is headquartered in Dallas, Texas.
連絡先情報
200 Crescent Court, Suite 1400, Dallas, TX, 75201, United States
469-638-9636
www.firstfoundationinc.com
時価総額
$489.27M
PER (TTM)
-3.1
16.8
配当利回り
--
52週高値
$6.72
52週安値
$4.42
52週レンジ
64%
順位43Top 50.7%
3.8
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
弱い • 3.8 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$136.30M-7.94%
直近4四半期の推移

EPS

-$0.10-42.88%
直近4四半期の推移

フリーCF

-$28.62M+0.00%
直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

NIM Improves Despite Loss Net Interest Margin rose to 1.58% (up 18 bps) driving NII to $187.4M; however, net loss widened to $(155.2)M for the year.
Loan Portfolio Shrinks Total assets decreased 5.9% to $11.90B by year-end 2025; total loans held for investment fell $2.2B to $6.99B due to sales.
Capital Ratios Remain Strong FFB maintained strong capital, with CET1 ratio at 13.97%, significantly exceeding the 6.50% well-capitalized threshold requirements.
Merger Agreement Executed Announced merger with FirstSun Capital Bancorp in October 2025, with expected closing date of April 1, 2026, pending final conditions.

リスク要因

Credit Provisioning Spikes Provision for credit losses increased sharply to $64.3M in 2025, reflecting revisions to ACL methodology and increased economic uncertainty concerns.
Merger Integration Challenges Combining FFI and FirstSun poses risks regarding balance sheet repositioning, realizing anticipated benefits, and retaining key personnel post-close.
Geographic Concentration Risk High concentration in California (73% of loans) exposes results to regional economic downturns affecting real estate collateral values.
Interest Rate Risk Exposure NIM sensitivity analysis shows potential NII decrease under rising rate shocks, despite current hedging strategies being in compliance.

見通し

Focus on Merger Completion Primary near-term focus remains successfully closing the FirstSun merger by April 1, 2026, while managing pre-closing operational restrictions.
Credit Quality Monitoring Management revised ACL assumptions due to economic uncertainty; future credit costs remain susceptible to real estate market volatility.
Diversification Strategy Hurdles Loan portfolio diversification plan faces difficulty, cost overruns, and potential failure to realize anticipated benefits during transition period.
Capital Preservation Focus Regulatory capital levels must be maintained above buffers; dividend resumption contingent on earnings and regulatory approval post-merger.

同業比較

売上高 (TTM)

FFWM stock ticker logoFFWM
$551.26M
+14.5%
FFIC stock ticker logoFFIC
$482.54M
+15.7%
MSBI stock ticker logoMSBI
$449.08M
-21.2%

粗利益率 (最新四半期)

NRIM stock ticker logoNRIM
81.3%
+5.0pp
ACNB stock ticker logoACNB
80.8%
-3.2pp
CBNK stock ticker logoCBNK
72.7%
+6.5pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
PFIS$635.89M10.811.5%5.8%
MSBI$625.21M18.36.2%6.4%
BHB$618.96M15.47.8%4.6%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
-2.3%
横ばい
4四半期純利益CAGR
N/M
収益構造の変化
キャッシュフロー安定性
25%
キャッシュフローに注意が必要

深度リサーチ

財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書
直近12ヶ月
データなし