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Side-by-side financial comparison of First Foundation Inc. (FFWM) and Proficient Auto Logistics, Inc (PAL). Click either name above to swap in a different company.

Proficient Auto Logistics, Inc is the larger business by last-quarter revenue ($91.5M vs $48.4M, roughly 1.9× First Foundation Inc.). Proficient Auto Logistics, Inc runs the higher net margin — -1.5% vs -97.9%, a 96.4% gap on every dollar of revenue.

John B. Lacson Colleges Foundation (Bacolod), Inc. is a private maritime college in Bacolod, Negros Occidental, Philippines.

Proficient Auto Logistics, Inc. is a specialized automotive sector logistics provider. It offers tailored solutions including finished vehicle transport, auto parts storage and distribution, and supply chain support for automotive industry stakeholders, prioritizing reliable, efficient service delivery.

FFWM vs PAL — Head-to-Head

Bigger by revenue
PAL
PAL
1.9× larger
PAL
$91.5M
$48.4M
FFWM
Higher net margin
PAL
PAL
96.4% more per $
PAL
-1.5%
-97.9%
FFWM

Income Statement — Q4 FY2025 vs Q3 FY2024

Metric
FFWM
FFWM
PAL
PAL
Revenue
$48.4M
$91.5M
Net Profit
$-8.0M
$-1.4M
Gross Margin
Operating Margin
-97.5%
-2.4%
Net Margin
-97.9%
-1.5%
Revenue YoY
421.7%
Net Profit YoY
43.0%
EPS (diluted)
$-0.09
$-0.05

Green = leading value per metric. Periods may differ when fiscal calendars don't align.

8-Quarter Revenue & Profit Trend

Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.

Revenue
FFWM
FFWM
PAL
PAL
Q4 25
$48.4M
Q3 25
$63.6M
Q2 25
$51.4M
Q1 25
$71.4M
Q4 24
$9.3M
Q3 24
$9.2M
$91.5M
Q2 24
$57.5M
Q1 24
$51.1M
Net Profit
FFWM
FFWM
PAL
PAL
Q4 25
$-8.0M
Q3 25
$-146.3M
Q2 25
$-7.7M
Q1 25
$6.9M
Q4 24
$-14.1M
Q3 24
$-82.2M
$-1.4M
Q2 24
$3.1M
Q1 24
$793.0K
Operating Margin
FFWM
FFWM
PAL
PAL
Q4 25
-97.5%
Q3 25
-92.7%
Q2 25
-21.1%
Q1 25
8.8%
Q4 24
-247.7%
Q3 24
-1276.7%
-2.4%
Q2 24
4.6%
Q1 24
-0.2%
Net Margin
FFWM
FFWM
PAL
PAL
Q4 25
-97.9%
Q3 25
-230.1%
Q2 25
-15.0%
Q1 25
9.7%
Q4 24
-152.2%
Q3 24
-896.9%
-1.5%
Q2 24
5.4%
Q1 24
1.6%
EPS (diluted)
FFWM
FFWM
PAL
PAL
Q4 25
$-0.09
Q3 25
$-1.78
Q2 25
$-0.09
Q1 25
$0.08
Q4 24
$-0.24
Q3 24
$-1.23
$-0.05
Q2 24
$0.05
Q1 24
$0.01

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
FFWM
FFWM
PAL
PAL
Cash + ST InvestmentsLiquidity on hand
$1.6B
$16.8M
Total DebtLower is stronger
$64.0M
Stockholders' EquityBook value
$912.6M
$338.5M
Total Assets
$11.9B
$498.2M
Debt / EquityLower = less leverage
0.19×

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
FFWM
FFWM
PAL
PAL
Q4 25
$1.6B
Q3 25
$1.7B
Q2 25
$1.1B
Q1 25
$1.0B
Q4 24
$1.0B
Q3 24
$1.1B
$16.8M
Q2 24
$1.4B
Q1 24
$1.6B
Total Debt
FFWM
FFWM
PAL
PAL
Q4 25
Q3 25
Q2 25
Q1 25
Q4 24
Q3 24
$64.0M
Q2 24
Q1 24
Stockholders' Equity
FFWM
FFWM
PAL
PAL
Q4 25
$912.6M
Q3 25
$917.9M
Q2 25
$1.1B
Q1 25
$1.1B
Q4 24
$1.1B
Q3 24
$1.1B
$338.5M
Q2 24
$933.2M
Q1 24
$928.7M
Total Assets
FFWM
FFWM
PAL
PAL
Q4 25
$11.9B
Q3 25
$11.9B
Q2 25
$11.6B
Q1 25
$12.6B
Q4 24
$12.6B
Q3 24
$13.4B
$498.2M
Q2 24
$13.7B
Q1 24
$13.6B
Debt / Equity
FFWM
FFWM
PAL
PAL
Q4 25
Q3 25
Q2 25
Q1 25
Q4 24
Q3 24
0.19×
Q2 24
Q1 24

Cash Flow & Capital Efficiency

How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.

Metric
FFWM
FFWM
PAL
PAL
Operating Cash FlowLast quarter
$-31.9M
Free Cash FlowOCF − Capex
$-35.2M
FCF MarginFCF / Revenue
-72.8%
Capex IntensityCapex / Revenue
6.9%
Cash ConversionOCF / Net Profit
TTM Free Cash FlowTrailing 4 quarters
$-45.9M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
FFWM
FFWM
PAL
PAL
Q4 25
$-31.9M
Q3 25
$9.2M
Q2 25
$-16.3M
Q1 25
$-552.0K
Q4 24
$-8.7M
Q3 24
$14.2M
Q2 24
$-9.1M
Q1 24
$7.2M
Free Cash Flow
FFWM
FFWM
PAL
PAL
Q4 25
$-35.2M
Q3 25
$8.6M
Q2 25
$-16.7M
Q1 25
$-2.5M
Q4 24
$-11.4M
Q3 24
$13.4M
Q2 24
$-9.4M
Q1 24
$5.9M
FCF Margin
FFWM
FFWM
PAL
PAL
Q4 25
-72.8%
Q3 25
13.5%
Q2 25
-32.4%
Q1 25
-3.5%
Q4 24
-123.5%
Q3 24
146.2%
Q2 24
-16.3%
Q1 24
11.6%
Capex Intensity
FFWM
FFWM
PAL
PAL
Q4 25
6.9%
Q3 25
1.0%
Q2 25
0.8%
Q1 25
2.8%
Q4 24
29.4%
Q3 24
9.0%
Q2 24
0.4%
Q1 24
2.5%
Cash Conversion
FFWM
FFWM
PAL
PAL
Q4 25
Q3 25
Q2 25
Q1 25
-0.08×
Q4 24
Q3 24
Q2 24
-2.96×
Q1 24
9.09×

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

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