The earnings call presented a generally positive outlook, with significant growth in loans, deposits, and assets under management. Although noninterest income faced challenges due to the absence of one-time gains and industry-wide mortgage banking challenges, the overall performance showed resilience and strategic growth in key areas.

Company Guidance

During the First Western Financial Q2 2025 earnings call, management provided guidance highlighting several key metrics. They reported a net income of $2.5 million, or $0.26 per diluted share, which was lower than the previous quarter due to one-time gains in Q1 and higher provisions from late Q2 loan growth. Despite this, they experienced a 2.3% increase in net interest income and a 6 basis point rise in net interest margin to 2.67%. The loan portfolio saw a $114 million increase in loans held for investment, with new loan production at $167 million and an average rate of 6.35%. Deposits were slightly up compared to the previous quarter, with a spot rate of 3.07% for total deposits at the end of June. Noninterest income decreased by $1 million due to first-quarter one-time gains. The company maintained disciplined expense management, with noninterest expenses dropping by approximately $300,000, primarily due to lower salaries and benefits. Asset quality remained stable, with a $10 million decline in classified loans. Management expressed optimism for continued improvement in economic conditions, loan and deposit pipelines, and net interest margin expansion, aiming for further value creation for shareholders as they move into the latter half of the year.

Loan and Deposit Growth

Loan production increased by $167 million in Q2, with loans held for investment up by $114 million from the previous quarter. Total deposits saw a slight increase, indicating successful execution of deposit-gathering strategies.

Net Interest Margin Expansion

Net interest margin (NIM) increased by 6 basis points from the previous quarter to 2.67%, driven by reduced deposit costs and strategic asset redeployment.

Asset Quality and Book Value Improvement

Tangible book value per share increased by approximately 1%, and there was a $10 million decline in classified loans, indicating improved asset quality.

Increase in Assets Under Management

Assets under management increased by $320 million in the second quarter, a growth of nearly 7% year-over-year, driven by favorable market performance.

First Western Financial (MYFW) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

MYFW Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 16, 2025	2025 (Q3)	0.36 / -	0.22	―	―	―
Jul 25, 2025	2025 (Q2)	0.36 / 0.26	0.11	136.36% (+0.15)
Apr 24, 2025	2025 (Q1)	0.23 / 0.43	0.26	65.38% (+0.17)
Jan 23, 2025	2024 (Q4)	0.26 / 0.28	0.03	833.33% (+0.25)
Oct 24, 2024	2024 (Q3)	0.28 / 0.22	0.32	-31.25% (-0.10)
Jul 23, 2024	2024 (Q2)	0.30 / 0.11	0.25	-56.00% (-0.14)
Apr 18, 2024	2024 (Q1)	0.22 / 0.26	0.39	-33.33% (-0.13)
Jan 25, 2024	2023 (Q4)	0.32 / 0.03	0.58	-94.83% (-0.55)
Oct 19, 2023	2023 (Q3)	0.45 / 0.32	0.66	-51.52% (-0.34)
Jul 27, 2023	2023 (Q2)	0.43 / 0.25	0.49	-48.98% (-0.24)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

MYFW Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 25, 2025	$23.40	$22.99	-1.75%
Apr 24, 2025	$18.85	$20.34	+7.90%
Jan 23, 2025	$18.13	$20.05	+10.59%
Oct 24, 2024	$20.53	$19.12	-6.87%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does First Western Financial Inc (MYFW) report earnings?

First Western Financial Inc (MYFW) is schdueled to report earning on Oct 16, 2025, After Close (Confirmed).

What is First Western Financial Inc (MYFW) earnings time?

First Western Financial Inc (MYFW) earnings time is at Oct 16, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is MYFW EPS forecast?

MYFW EPS forecast for the fiscal quarter 2025 (Q3) is 0.36.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing