A Business at a Glance
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First Western Financial Inc
MYFW
$315M
Mkt Cap
$31.97
-0.75%
First Western Financial Inc (MYFW) has a current P/E ratio of 23.9, compared to its historical median P/E of 17.2. The stock is currently considered Fair based on its historical valuation range.
First Western Financial Inc (MYFW) has a 5-year average return on invested capital (ROIC) of 6.0%. This is below average and may indicate limited pricing power.
First Western Financial Inc (MYFW) has a market capitalization of $311M. It is classified as a small-cap stock.
First Western Financial Inc (MYFW) does not currently pay a regular dividend. However, the company returns capital to shareholders through share buybacks, with a buyback yield of 0.30%.
Based on historical P/E analysis, First Western Financial Inc (MYFW) appears fair. The current P/E of 23.9 is 39% above its historical median of 17.2. The estimated fair value CAGR (P/E method) is -7.6%.
First Western Financial Inc (MYFW) operates in the State Commercial Banks industry, within the Financials sector.
Our Company First Western Financial, Inc. is a financial holding company headquartered in Denver, Colorado. We provide a fully integrated suite of wealth management services on our private trust bank platform, which includes a comprehensive selection of deposit, loan, trust, wealth planning and investment management products and services. We believe our integrated business model distinguishes us from other banks and non-bank financial services companies in the markets in which we operate. As of December 31, 2025, we provided fiduciary and advisory services on $7.28 billion of trust and investment management assets (AUM), and we had total assets of $3.15 billion, total loans excluding mortgage loans held for sale of $2.65 billion, total deposits of $2.75 billion, and total shareholders’ equity of $265.6 million. Our mission is to be the best private bank for the Western wealth management client.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 105M | 186M | 180M | 168M | 129M | 102M |
| Net Income | 15M | 13M | 8.5M | 5.2M | 22M | 21M |
| EPS | $1.56 | $1.34 | $0.87 | $0.54 | $2.23 | $2.50 |
| Free Cash Flow | 1.9M | -5.8M | -607K | 20M | 45M | 160M |
| ROIC | 0.0% | 5.1% | 3.4% | 2.2% | 9.1% | 10.1% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.07 |
| Dividends/Share | $0.00 | - | - | - | - | - |
| Operating Income | 0 | 17M | 12M | 7.1M | 29M | 27M |
| Operating Margin | 0.0% | 9.2% | 6.4% | 4.2% | 22.4% | 26.7% |
| ROE | 5.6% | 5.1% | 3.4% | 2.2% | 9.4% | 11.0% |
| Shares Outstanding | 10M | 10M | 10M | 10M | 10M | 8M |
| Metric | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||
| Revenue | 61M | 66M | 78M | 105M | 102M | 129M | 168M | 180M | 186M | 105M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 29M | 30M | 32M | 35M | 41M | 48M | 45M | 45M | 46M | 48M |
| EBIT | 5.0M | 7.4M | 10M | 33M | 27M | 29M | 7.1M | 12M | 17M | 0 |
| Op. Margin | 8.2% | 11.3% | 13.1% | 31.6% | 26.7% | 22.4% | 4.2% | 6.4% | 9.2% | 0.0% |
| Net Income | 2.0M | 4.3M | 8.0M | 25M | 21M | 22M | 5.2M | 8.5M | 13M | 15M |
| Net Margin | 3.3% | 6.5% | 10.3% | 23.5% | 20.2% | 16.8% | 3.1% | 4.7% | 7.1% | 14.5% |
| Non-Recurring | -150K | 0 | 1.8M | 43K | -27K | 4K | 0 | 0 | 0 | 0 |
| Returns on Capital | ||||||||||
| ROIC | 2.0% | 3.9% | 6.5% | 16.3% | 10.1% | 9.1% | 2.2% | 3.4% | 5.1% | 0.0% |
| ROE | 2.0% | 3.9% | 6.5% | 17.4% | 11.0% | 9.4% | 2.2% | 3.4% | 5.1% | 5.6% |
| ROA | 0.2% | 0.4% | 0.7% | 1.5% | 0.9% | 0.8% | 0.2% | 0.3% | 0.4% | 0.5% |
| Cash Flow | ||||||||||
| Op. Cash Flow | -5.4M | 18M | -22M | -93M | 163M | 48M | 22M | 606K | -1.8M | 5.4M |
| Free Cash Flow | -5.9M | 17M | -22M | -95M | 160M | 45M | 20M | -607K | -5.8M | 1.9M |
| Owner Earnings | -9.2M | 14M | -25M | -97M | 158M | 44M | 18M | -3.4M | -6.6M | 294K |
| CapEx | 499K | 714K | 415K | 1.2M | 2.1M | 3.0M | 2.3M | 1.2M | 4.0M | 3.5M |
| Maint. CapEx | 2.4M | 2.2M | 1.7M | 1.1M | 1.3M | 2.0M | 2.4M | 2.6M | 2.6M | 2.6M |
| Growth CapEx | 0 | 0 | 0 | 88K | 852K | 955K | 0 | 0 | 1.3M | 944K |
| D&A | 2.4M | 2.2M | 1.7M | 1.1M | 1.3M | 2.0M | 2.4M | 2.6M | 2.6M | 2.6M |
| CapEx/OCF | N/A | 4.0% | N/A | N/A | 1.3% | 6.1% | 10.7% | 200.2% | N/A | 65.1% |
| Capital Allocation | ||||||||||
| Dividends Paid | 2.3M | 1.4M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield | N/A | 1.3% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | 0 | 181K | 743K | 377K | 501K | 876K | 0 | 89K | 784K | 928K |
| Buyback Yield | N/A | 0.2% | 0.6% | 0.3% | 0.2% | 0.3% | N/A | 0.0% | 0.3% | 0.3% |
| Stock-Based Comp | 1.3M | 1.9M | 2.3M | 2.5M | 2.9M | 2.6M | 1.8M | 1.5M | 2.2M | 2.5M |
| Debt Repayment | 0 | 0 | 0 | 269K | 0 | 6.6M | 0 | 41M | 0 | 0 |
| Balance Sheet | ||||||||||
| Net Debt | -182K | N/A | -138M | -175M | -429M | -197M | -255M | -238M | -200M | -264M |
| Cash & Equiv. | -53M | 64M | 79M | 156M | 387M | 197M | 255M | 238M | 200M | 264M |
| Long-Term Debt | 285K | N/A | N/A | 18M | 15M | N/A | N/A | 0 | N/A | N/A |
| Debt/Equity | 0.00 | 8.28 | 0.00 | 0.11 | 0.07 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Equity | 102M | 117M | 128M | 155M | 219M | 241M | 243M | 252M | 266M | 273M |
| Total Assets | 970M | 1.1B | 1.3B | 2.0B | 2.5B | 2.9B | 3.0B | 2.9B | 3.2B | 3.2B |
| Total Liabilities | 868M | 967M | 1.1B | 1.8B | 2.3B | 2.6B | 2.7B | 2.7B | 2.9B | 3.0B |
| Intangibles | 1.2M | 402K | 28K | 67K | 1.3M | 1.7M | 1.5M | 1.2M | 1.0M | 1.0M |
| Retained Earnings | -27M | -23M | -15M | 9.6M | 30M | 52M | 51M | 60M | 73M | 79M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | ||||||||||
| EPS | 0.35 | 0.63 | 1.01 | 3.08 | 2.50 | 2.23 | 0.54 | 0.87 | 1.34 | 1.56 |
| Owner EPS | -1.57 | 2.02 | -3.21 | -12.17 | 19.21 | 4.49 | 1.83 | -0.35 | -0.67 | 0.03 |
| Book Value | 17.46 | 17.25 | 16.10 | 19.45 | 26.57 | 24.75 | 25.09 | 25.91 | 26.98 | 28.10 |
| Cash Flow/Share | -0.93 | 2.63 | -2.71 | -11.72 | 19.71 | 4.96 | 2.26 | 0.06 | -0.18 | 1.83 |
| Dividends/Share | 0.39 | 0.20 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.00 |
| Shares Out. | 5.8M | 6.8M | 7.9M | 8.0M | 8.2M | 9.7M | 9.7M | 9.7M | 9.8M | 9.7M |
| Valuation | ||||||||||
| P/E Ratio | N/A | 17.7 | 16.7 | 6.1 | 11.9 | 12.2 | 37.7 | 21.9 | 19.6 | 20.4 |
| P/FCF | N/A | 4.4 | N/A | N/A | 1.5 | 5.8 | 10.1 | N/A | N/A | 163.8 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | N/A | 0.6 | 1.0 | 1.0 | 1.1 | 1.1 | 0.8 | 0.7 | 1.0 | 1.1 |
| Price/Sales | N/A | 1.8 | 1.8 | 1.2 | 2.2 | 2.6 | 2.1 | 1.9 | 2.1 | 3.0 |
| FCF Yield | N/A | 22.7% | -16.4% | -62.8% | 65.3% | 17.1% | 9.9% | -0.3% | -2.2% | 0.6% |
| Market Cap | N/A | 75M | 134M | 151M | 246M | 265M | 197M | 185M | 258M | 311M |
| Avg. Price | N/A | 15.43 | 14.37 | 14.89 | 25.98 | 29.70 | 19.82 | 17.73 | 21.70 | 31.97 |
| Year-End Price | N/A | 11.13 | 16.87 | 18.91 | 29.78 | 27.20 | 20.38 | 19.03 | 26.25 | 31.97 |
First Western Financial Inc passes 2 of 9 quality checks, indicating weak fundamentals.
First Western Financial Inc trades at 23.9x trailing earnings, compared to its 15-year median P/E of 17.2x, suggesting it is currently Fair relative to its historical range. The company's 5-year average ROIC is 6.0%. Total shareholder yield (buybacks) is 0.3%. At current prices, the estimated annualized return to fair value is -2.9%.
First Western Financial Inc (MYFW) reported annual revenue of $186 million in its most recent fiscal year, based on SEC EDGAR filings.
First Western Financial Inc (MYFW) has a net profit margin of 7.1%. This is a modest margin.
First Western Financial Inc (MYFW) generated $-6 million in free cash flow in its most recent fiscal year. Negative free cash flow may indicate heavy investment or operational challenges.
First Western Financial Inc (MYFW) has a debt-to-equity ratio of 0.00. This indicates a conservatively financed balance sheet.
First Western Financial Inc (MYFW) reported earnings per share (EPS) of $1.34 in its most recent fiscal year.
First Western Financial Inc (MYFW) has a return on equity (ROE) of 5.1%. This indicates moderate shareholder returns.
The Ledger Terminal provides 9 years of financial data for First Western Financial Inc (MYFW), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
First Western Financial Inc (MYFW) has a book value per share of $26.98, based on its most recent annual SEC filing.