First Western Financial (MYFW) AI Stock Analysis

• Market Cap: $254.23M
• Dividend Yield: N/A
• Average Volume (3M): 27.30K
• Price to Earnings (P/E): 20.2
• Beta (1Y): 0.91
• Revenue Growth: 1.53%
• EPS Growth: 109.74%
• Country: US
• Employees: 321
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.32
• Shares Outstanding: 9,714,711
• 10 Day Avg. Volume: 27,560
• 30 Day Avg. Volume: 27,305
• PEG Ratio: 0.37
• Price to Book (P/B): 0.75
• Price to Sales (P/S): 1.06
• P/FCF Ratio: -107.37
• Enterprise Value/Market Cap: 1.72
• Enterprise Value/Revenue: 2.44
• Enterprise Value/Gross Profit: 4.72
• Enterprise Value/Ebitda: 22.81
• 1Y Price Target: $25.50
• Price Target Upside: -1.66% Downside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 73 Outperform
• Price Target: $27.00 ▲(4.13% Upside)

First Western Financial's stock score is driven by strong earnings call results and positive technical indicators. Financial performance is solid but faces challenges in revenue growth and leverage. Valuation concerns due to a high P/E ratio and lack of dividend yield slightly offset the positive outlook.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term financial stability.

Loan and Deposit Growth

Robust loan and deposit growth enhances the company's ability to generate interest income, crucial for sustained profitability.

Operational Efficiency

Improved operational efficiency reduces costs relative to revenue, enhancing profitability and competitive positioning.

Negative Factors

Net Interest Margin Decline

A declining NIM can pressure profitability, as it reduces the spread between interest income and interest expenses.

Increased Leverage

Higher leverage can increase financial risk, potentially impacting the company's ability to manage economic downturns.

Decrease in Assets Under Management

A decline in assets under management may indicate challenges in retaining clients or attracting new ones, affecting fee income.

First Western Financial Business Overview & Revenue Model

Company Description

First Western Financial, Inc. (MYFW) is a financial services company based in the United States, specializing in wealth management and private banking services. The company operates primarily through its banking division, which offers a range of financial products including commercial and personal loans, as well as deposit services. Additionally, First Western Financial provides investment management, trust and estate planning, and financial advisory services, targeting high-net-worth individuals and families.

How the Company Makes Money

First Western Financial generates revenue through multiple key streams. Primarily, the company earns interest income from its loan portfolio, which includes commercial real estate loans, construction loans, and personal loans. Additionally, it collects fees from various banking services, such as account maintenance and transaction services. The wealth management division contributes significantly to the company's earnings through management fees charged on investment accounts and advisory services. The firm may also derive income from trust and estate planning services, which include fees for managing trusts and estates. Significant partnerships with investment firms and other financial institutions enhance its product offerings and client acquisition, further supporting its revenue growth.

First Western Financial Financial Statement Overview

Summary

First Western Financial demonstrates a solid financial position with strengths in cash flow generation and operational efficiency. However, challenges in revenue growth and increased leverage highlight areas for improvement. The company should focus on enhancing revenue streams and managing debt levels to ensure long-term financial health.

Income Statement

First Western Financial's income statement shows a mixed performance. The TTM gross profit margin is healthy at 51.85%, indicating efficient cost management. However, the net profit margin has decreased to 6.60% from previous highs, reflecting challenges in maintaining profitability. Revenue growth has been negative recently, suggesting a potential decline in market demand or competitive pressures. EBIT and EBITDA margins have improved slightly, indicating better operational efficiency.

Balance Sheet

The balance sheet reveals moderate financial stability. The debt-to-equity ratio has increased to 0.80 in the TTM, suggesting higher leverage, which could pose risks if not managed carefully. Return on equity has improved to 4.55%, indicating better profitability from shareholders' equity. The equity ratio remains stable, reflecting a balanced approach to financing assets.

Cash Flow

Cash flow analysis shows a positive trend with a significant improvement in free cash flow growth at 28.39% in the TTM. The operating cash flow to net income ratio is low, indicating potential issues in converting income into cash. However, the free cash flow to net income ratio is strong at 81.31%, suggesting efficient cash generation relative to net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	179.97M	177.77M	165.38M	127.51M	101.04M	103.06M
Gross Profit	92.95M	87.51M	80.57M	106.56M	94.39M	91.15M
EBITDA	19.22M	14.14M	9.44M	30.84M	28.54M	34.18M
Net Income	12.62M	8.47M	5.22M	21.70M	20.61M	24.53M
Balance Sheet
Total Assets	3.24B	2.92B	2.98B	2.87B	2.53B	1.97B
Cash, Cash Equivalents and Short-Term Investments	63.07M	236.04M	254.44M	196.51M	441.70M	192.66M
Total Debt	0.00	109.60M	178.05M	199.02M	77.66M	173.85M
Total Liabilities	2.98B	2.67B	2.73B	2.63B	2.31B	1.82B
Stockholders Equity	261.50M	252.32M	242.74M	240.86M	219.04M	154.96M
Cash Flow
Free Cash Flow	1.48M	-1.76M	19.53M	45.31M	160.41M	-94.52M
Operating Cash Flow	4.54M	-544.00K	21.88M	48.28M	162.51M	-93.32M
Investing Cash Flow	-202.47M	66.44M	-66.39M	-558.80M	-43.02M	-456.02M
Financing Cash Flow	324.83M	-84.30M	102.44M	320.05M	111.50M	626.69M

First Western Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 25.93
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MYFW, the sentiment is Positive. The current price of 25.93 is above the 20-day moving average (MA) of 24.90, above the 50-day MA of 23.75, and above the 200-day MA of 22.09, indicating a bullish trend. The MACD of 0.71 indicates Negative momentum. The RSI at 71.66 is Negative, neither overbought nor oversold. The STOCH value of 80.03 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MYFW.

First Western Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HWBK	74 Outperform	$237.42M	10.35	14.27%	2.30%	0.16%	258.06%
MYFW	73 Outperform	$254.23M	20.17	4.95%	―	1.53%	109.74%
BPRN	73 Outperform	$241.50M	13.88	6.73%	3.50%	12.92%	56.52%
CFFI	71 Outperform	$237.46M	8.92	10.89%	2.51%	8.53%	42.73%
PVBC	70 Neutral	―	―	5.37%	―	-3.46%	133.45%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FSFG	66 Neutral	$231.99M	9.90	12.50%	1.95%	7.65%	69.41%

First Western Financial Corporate Events

First Western Financial Highlights Strong November Performance

In November 2025, First Western Financial, Inc. presented investor materials highlighting its robust financial performance and strategic growth initiatives. The company has experienced significant revenue growth and improved profitability since its IPO, with total assets increasing by 210%. The management team has a proven track record of combining organic growth with strategic acquisitions, enhancing the company’s franchise value. The institution operates in high growth markets with a stable deposit base, and its conservative underwriting has resulted in minimal credit losses. The company’s strong operational and financial momentum is expected to continue driving efficiencies and shareholder value.

First Western Financial Reports Strong Q3 2025 Results

First Western Financial reported its financial results for the third quarter of 2025, showing significant improvements compared to the previous quarter and the same period last year. The company achieved a net income of $3.2 million, up from $2.5 million in the second quarter, and increased its total deposits by 12.6% to $2.85 billion. The growth in net interest income and non-interest income contributed to the overall positive financial performance, reflecting healthy economic conditions and effective management strategies. The company expects continued loan growth and positive trends in key areas, which are anticipated to sustain solid financial performance in the future.