What is First Foundation Inc.'s Shariah compliance score?

First Foundation Inc.'s (FFWM) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does First Foundation Inc. pass AAOIFI screening?

First Foundation Inc. (FFWM) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (FFWM: 327.8%), (3) interest-bearing deposits below 30% (FFWM: 829.0%), and (4) prohibited income below 5% (FFWM: 91.9%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for First Foundation Inc. stock?

First Foundation Inc. (FFWM) has a non-permissible income ratio of 91.95%. Muslim investors should purify this percentage of any dividends received and capital gains realized from FFWM shares by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification automates this calculation using the latest financial data.

Where can I screen First Foundation Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for First Foundation Inc. (FFWM) and 10,000+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows all financial ratios transparently. No credit card or signup required for basic screening. HalalScreener also includes an AI Islamic Scholar for follow-up questions about FFWM's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

FFWM: Is First Foundation Inc. Halal?

First Foundation Inc.

NYSEFinancial ServicesUS

$5.90

+2.43%

Market Cap: 489.3M

Compliance Status

Not Halal

Screened on Jul 15, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is First Foundation Inc. (FFWM) halal? Not Halal. Based on AAOIFI screening, First Foundation Inc. has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

AvoidBorderlineClean

Business activity

Involved in prohibited business activities.

Failed

Company debt

Over the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

327.8% of 30.0% limit

What this means for you

Most scholars advise not holding FFWM

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About First Foundation Inc.

First Foundation Inc. delivers a comprehensive suite of financial services across the United States, catering to personal banking clients, businesses, and individuals requiring private wealth management. Its operations are distinctly divided into two primary segments: Banking and Wealth Management. Within its banking arm, the company offers a diverse array of deposit accounts, including personal and business checking, savings accounts, interest-bearing Negotiable Order of Withdrawal (NOW) accounts, money market accounts, and time certificates of deposit. For lending needs, First Foundation provides a broad spectrum of options, such as real estate loans for both multi-family and single-family residences, commercial property financing, commercial term loans, and lines of credit. Consumer lending further extends to personal installment loans, personal lines of credit, and home equity lines of credit. Beyond core banking, the firm extends various specialized services, including trust services, convenient internet and mobile banking platforms, remote deposit capture capabilities, merchant credit card processing, ATM and Visa debit cards, and business sweep accounts. It also facilitates insurance brokerage and equipment financing solutions. The Wealth Management segment focuses on comprehensive investment management, financial planning, and treasury management services. It provides expert advisory and coordination in critical areas like estate planning, retirement planning, charitable giving, and business ownership issues, alongside general financial, investment, and economic guidance. A unique offering includes support services for charitable organizations, involving the processing and transmission of financial and economic data. Established in 1985 and headquartered in Dallas, Texas, First Foundation Inc. maintains a physical presence through 28 branch offices and 3 loan production offices strategically located across California, Nevada, Texas, and Hawaii.

Sector: Financial Services · Industry: Banks - Regional

Shariah Compliance Status

AAOIFI Standard 21Updated Jul 15, 2026

Business Activity Screen

Failed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Prohibited industry: Banks - Regional

Compliance History

Not Halal, unchanged since May 2026.

No status changes recorded since we began tracking.

Tracked since May 2026. Updates automatically on each re-screen.

Fiscal: FY 2025Data source: FMP

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

GLDA+

SPDR Gold Shares

$368.41

+0.17%

SLVA+

iShares Silver Trust

$50.78

+0.47%

PSLVA+

Sprott Physical Silver Trust

$21.30

+6.23%

PHYSA+

Sprott Physical Gold Trust

$31.75

+0.19%

ABA+

AllianceBernstein Holding L.P.

$36.03

-1.13%

More Financial Services Stocks

JPM

JPMorgan Chase & Co.

Visa Inc.

Mastercard Incorporated

A+

PYPL

PayPal Holdings, Inc.

C+

BAC

Bank of America Corporation

WFC

Wells Fargo & Company

Free · No credit card required

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Frequently Asked Questions

Is First Foundation Inc. (FFWM) halal to invest in?

First Foundation Inc. (FFWM) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did First Foundation Inc. get a F compliance rating?

First Foundation Inc. (FFWM) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 327.8% (limit 30%); interest-bearing deposits of 829.0% (limit 30%); prohibited income of 91.95% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change First Foundation Inc.'s Shariah verdict?

First Foundation Inc.'s verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is First Foundation Inc. re-screened for Shariah compliance?

First Foundation Inc. (FFWM) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jul 15, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.