First Western Financial (MYFW) AI Stock Analysis

• Market Cap: $225.38M
• Dividend Yield: N/A
• Average Volume (3M): 27.30K
• Price to Earnings (P/E): 18.0
• Beta (1Y): 1.09
• 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: 1.94
• Enterprise Value/Revenue: 2.44
• Enterprise Value/Gross Profit: 4.72
• Enterprise Value/Ebitda: 22.81
• 1Y Price Target: $25.00
• Price Target Upside: 4.21% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 68 Neutral
• Price Target: $25.00 ▲(4.21% Upside)

First Western Financial's overall stock score is driven by strong earnings growth and positive sentiment from the latest earnings call. Solid cash flow generation and operational efficiency are key strengths, though challenges in revenue growth and increased leverage are notable risks. Technical indicators suggest a neutral market sentiment, while valuation metrics indicate reasonable pricing.

Positive Factors

Net Income Growth

The significant increase in net income reflects strong financial performance and effective cost management, contributing to the company's profitability and long-term financial health.

Loan and Deposit Growth

Robust loan and deposit growth indicates strong customer demand and confidence, supporting revenue generation and enhancing the company's market position.

Operating Leverage Improvements

Improved operating leverage and efficiency ratio demonstrate enhanced operational efficiency, which can lead to better profitability and competitive advantage.

Negative Factors

Revenue Growth Challenges

Negative revenue growth indicates potential challenges in maintaining market share and demand, which could impact long-term financial performance and strategic objectives.

Increased Leverage

Higher leverage may limit financial flexibility and increase risk, potentially affecting the company's ability to invest in growth opportunities and manage economic downturns.

Net Interest Margin Decline

A declining net interest margin could pressure profitability, as it reflects reduced efficiency in earning interest income relative to interest expenses, impacting long-term earnings potential.

First Western Financial Business Overview & Revenue Model

Company Description

First Western Financial (MYFW) is a financial services company that offers a range of banking and wealth management solutions primarily targeted at high-net-worth individuals and businesses. The company operates through its banking division, which provides a variety of deposit and loan products, and its wealth management division, which delivers investment advisory, trust services, and financial planning. With a focus on personalized service, First Western Financial aims to meet the unique financial needs of its clients across its operating regions.

How the Company Makes Money

First Western Financial generates revenue through several key streams. Primarily, the company earns interest income from loans it provides to customers, including commercial and residential mortgages, as well as lines of credit. Additionally, the bank earns non-interest income from fees associated with its wealth management services, such as asset management fees, advisory fees, and trust services fees. The company may also benefit from transaction-based revenues from its banking services. Strategic partnerships with investment firms and other financial institutions can enhance its service offerings and contribute to its overall revenue. Furthermore, effective asset management and investment strategies help in maximizing returns, thereby supporting the firm's earnings 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: 23.99
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 23.99 is above the 20-day moving average (MA) of 23.48, above the 50-day MA of 23.05, and above the 200-day MA of 21.72, indicating a bullish trend. The MACD of 0.29 indicates Negative momentum. The RSI at 60.43 is Neutral, neither overbought nor oversold. The STOCH value of 76.27 is Neutral, 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
CFFI	74 Outperform	$220.65M	8.43	10.89%	2.61%	8.53%	42.73%
HWBK	73 Outperform	$234.73M	10.66	14.27%	2.55%	0.16%	258.06%
BPRN	70 Outperform	$216.81M	12.50	6.73%	3.68%	12.92%	56.52%
PVBC	70 Neutral	―	―	5.37%	―	-3.46%	133.45%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MYFW	68 Neutral	$225.38M	18.04	4.95%	―	1.53%	109.74%
FSFG	66 Neutral	$207.16M	8.94	12.50%	1.99%	7.69%	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.

The most recent analyst rating on (MYFW) stock is a Hold with a $25.00 price target. To see the full list of analyst forecasts on First Western Financial stock, see the MYFW Stock Forecast page.

First Western Financial’s Earnings Call Highlights Robust Growth

First Western Financial’s recent earnings call painted a predominantly positive picture of the company’s financial health, despite a few challenges. The call underscored strong financial performance, with notable growth in net income, loans, and deposits. Positive revenue trends and improved operating leverage further bolstered the sentiment, although there were some concerns regarding a decline in assets under management and a decrease in net interest margin. Overall, the sentiment remained optimistic due to the company’s robust financial achievements.

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.

The most recent analyst rating on (MYFW) stock is a Hold with a $24.50 price target. To see the full list of analyst forecasts on First Western Financial stock, see the MYFW Stock Forecast page.