Event-Driven Stocks

First Foundation Inc.

FFWM

Financials · State Commercial Banks · CA · SEC filings ↗ · Compare ⊕

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Signs● 1 good● 3 warningdetails ↓

Financials

SEC XBRL · annual
 FY25FY24FY23FY22FY21FY20
Revenue$34.4M$36.2M$35.3M$38.8M$36.0M$29.5M
Operating income——————
Net income$6.9M$793,000$8.5M$30.8M$22.4M$13.2M
Total assets$11.90B$12.65B$13.33B$13.01B$10.20B$6.96B
Total liabilities$10.99B$11.59B$12.40B$11.88B$9.13B$6.26B
Equity$912.6M$1.05B$925.3M$1.13B$1.06B$695.7M
EPS (diluted)$0.08$0.01$0.15$0.55$0.50$0.29
Shares out.82.4M56.5M56.4M56.4M44.7M44.8M

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2025
Operating margin
—
Net margin
20.1%
Return on equity
0.8%
Return on assets
0.1%
Return on capital (ROCE)
—
Liabilities / assets
92.3%
Debt / equity
12.04×
Book value / share
$11.08
Revenue growth (YoY)
−5.1%
Net income growth (YoY)
769.6%

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2025
Accruals / assets
0.3%clean
Piotroski F-Score
3/7weak

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
60
/ 100
Profitability 100Growth 50Catalyst 67Earnings quality 33Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.

Signs

● 3 warning● 1 good
  • Revenue declined year-over-year
  • High leverage (liabilities > 70% of assets)
  • Negative operating cash flow
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

5%+ owners

SEC Schedule 13D / 13G · last 3 yrs

Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.

Short interest

FINRA · bi-monthly
SettlementShares shortDays to coverΔ vs prior
Mar 31, 20263.8M3.5-17.6%
Mar 13, 20264.6M7.3+15.9%
Feb 27, 20264.0M4.4+12.7%
Feb 13, 20263.5M4.6+5.2%
Jan 30, 20263.4M2.8-8.7%

Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (2)

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