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First Foundation Inc.

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
$504.77M
PER (TTM)
-3.3
14.8
配当利回り
--
52週高値
$6.72
52週安値
$4.42
52週レンジ
73%
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

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Net Interest Margin Improvement NIM rose to 1.65% for nine months ended September 30, 2025, driven by higher yields on earning assets despite lower average balances.
Significant Credit Provisioning Surge Provision for credit losses surged to $70.8M YTD 2025, resulting in a substantial net loss of $147.1M for the nine-month period.
Strengthened Capital Adequacy CET1 ratio improved to 11.27% and Total Risk-Based Capital ratio reached 13.34% by September 30, 2025, exceeding minimums.
Merger Agreement Executed Agreement signed October 27, 2025, to merge with FirstSun Capital Bancorp, with expected closing early in the second quarter of 2026.

リスク要因

ACL Model Assumption Changes Revised ACL methodology in Q3 2025 increased allowance by $64.4M due to economic uncertainty and specific loan downgrades observed.
Asset Quality Deterioration Total nonaccrual loans reached $57.4M; a large C&I loan downgrade contributed significantly to the required increase in the ACL.
Deposit Base Outflows Total deposits decreased by $577M YTD 2025; loan-to-deposit ratio improved to 83.6% but reflects deposit base contraction.
Merger Integration Uncertainty Regulatory approvals, potential limitations, and integration risks could negatively impact combined company operations and anticipated transaction benefits.

見通し

ACL Reversion Impact Noted Q3 2025 reversion to 50/50 historical/peer data weighting drove an ACL increase because historical losses were lower than peer losses.
CRE LGD Floor Increased LGD floor increased from 5% to 10% for multifamily and CRE portfolios due to declining rental property prices and rising vacancy rates.
Liquidity Position Maintained Available liquidity ratio was 51.4%, remaining above the 25% minimum policy requirement despite net cash usage in operating activities.
NOL Tax Attribute Limitation Merger may trigger Section 382 ownership change rules, potentially limiting future utilization of net operating loss carryforwards and tax attributes.

同業比較

売上高 (TTM)

First Foundation Inc.FFWM
$551.26M
+14.5%
Flushing Financial CorporationFFIC
$489.41M
+19.9%
Midland States Bancorp, Inc.MSBI
$455.97M
-23.1%

粗利益率 (最新四半期)

Northfield Bancorp, Inc. (Staten Island, NY)NFBK
314.9%
+0.0pp
Northrim BanCorp, Inc.NRIM
82.9%
+5.0pp
ACNB CorporationACNB
77.1%
-3.2pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
BHB$581.43M15.87.4%5.8%
NFBK$570.91M682.30.1%17.7%
PFIS$565.79M9.611.8%3.2%

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

次回決算:2026年4月28日
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EPS:-
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売上高:-
財務レポート
財務データ
全年度
  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月10日|
    売上高: $143.19M+338.9%
    |
    EPS: $-1.78+44.7%
    予想を下回る
  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月11日|
    売上高: $125.48M-15.5%
    |
    EPS: $-0.09-270.9%
    予想を下回る
  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月9日|
    売上高: $146.29M-4.0%
    |
    EPS: $0.08+497.9%
    予想を上回る
  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月17日|
    売上高: $481.54M-11.8%
    |
    EPS: $-1.41+60.1%
    予想を下回る
  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月8日|
    売上高: $32.62M-75.2%
    |
    EPS: $-1.23-3175.0%
    予想を下回る
  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月8日|
    売上高: $148.47M+7.3%
    |
    EPS: $0.05-101.5%
    予想を上回る
  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月9日|
    売上高: $152.40M+15.5%
    |
    EPS: $0.01-90.7%
    予想を上回る
  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年2月28日|
    売上高: $546.24M+32.0%
    |
    EPS: $-3.53-280.1%
    予想を下回る