The earnings call presented a mixed picture. While there were notable achievements in loan production, net interest margin expansion, and asset management growth, these were offset by challenges such as decreased net income, reduced noninterest income, and issues in the mortgage sector. The sentiment is balanced with both positive and negative aspects being highlighted.

Company Guidance -

Q3 2025

During the First Western Financial Q2 2025 earnings call, the company provided updated guidance highlighting several key financial metrics and strategic initiatives. Net income for the quarter was reported at $2.5 million, or $0.26 per diluted share, reflecting a decrease from the previous quarter due to onetime gains and a higher provision level stemming from robust loan growth. Loan production reached $167 million, contributing to an increase of $114 million in loans held for investment. The company successfully expanded its net interest margin by 6 basis points to 2.67%, supported by a reduction in deposit costs and strategic asset redeployment. Despite a slight decline in gross revenue due to onetime gains in the prior quarter, net interest income saw a 2.3% increase. Total deposits experienced a minor uptick, with fluctuations in noninterest-bearing and interest-bearing deposits influenced by seasonal tax payment outflows. Trust and investment management assets under management grew by $320 million, representing a 7% increase year-over-year. The company's disciplined expense management resulted in a $300,000 reduction in noninterest expenses, while asset quality remained stable with a notable $10 million decline in classified loans. Looking ahead, First Western anticipates continued growth in loan and deposit pipelines, further net interest margin expansion, and improved financial performance driven by strategic balance sheet management and disciplined expense control.

Solid Loan Production and Net Interest Margin Expansion

Loan production reached $167 million in Q2, with a diversified portfolio and an average interest rate of 6.35%. The net interest margin increased by 6 basis points to 2.67%.

Increase in Tangible Book Value and Share Repurchase

The tangible book value per share increased by about 1% this quarter. The company utilized its strong capital position to repurchase shares, which was accretive to its tangible book value per share.

Trust and Investment Management Growth

Assets under management increased by $320 million, driven by favorable market performance, marking a nearly 7% increase over the past year.

Stable Asset Quality

While non-performing loans and non-performing assets saw slight increases, classified loans decreased by $10 million, and asset quality remained generally stable.

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.

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