Profitability
Weight: 25%
F
8
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 103.1%
- Efficiency Ratio Trend +0.85 pp/yr
FFWM
First Foundation Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
⚠ 3 of the last 5 fiscal years showed negative net income — AlphaQuality will not grade above F for persistent unprofitability in a banks, insurers & asset managers business.
Grade overrides the 28.8 pillar composite — hard gates always win.
Capital Efficiency
Weight: 15%
F
0
- 5yr Avg ROE -5.5%
- 5yr Share-Count CAGR 12.9%
Growth Quality
Weight: 15%
B-
65
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 15.1%
- Efficiency Ratio Trend (growth quality check) +0.85 pp/yr
- Revenue-Growth Years (5) 4/5
Cash Generation
Weight: 15%
F
0
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.17
Balance Sheet
Weight: 20%
C+
62
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 7.7%
Stability
Weight: 10%
C-
46
- EPS Volatility (σ/μ) 0.51
- Negative-Revenue Years (5) 1/5
- Piotroski F-Score 4
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.Not enough curated-guru data to call a flow.