First Western Financial (MYFW) AI Stock Analysis

• Market Cap: $200.29M
• Dividend Yield: N/A
• Average Volume (3M): 72.71K
• Price to Earnings (P/E): 17.4
• Beta (1Y): 1.25
• Revenue Growth: 0.35%
• EPS Growth: 64.49%
• Country: US
• Employees: 321
• Sector: Financial
• Sector Strength: 69
• Industry: Banks - Regional
• EPS (TTM): 0.26
• Shares Outstanding: 9,717,922
• 10 Day Avg. Volume: 78,015
• 30 Day Avg. Volume: 72,712
• 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: 2.19
• Enterprise Value/Revenue: 2.48
• Enterprise Value/Gross Profit: 4.93
• Enterprise Value/Ebitda: 27.45
• 1Y Price Target: $24.25
• Price Target Upside: 17.66% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 62 Neutral
• Price Target: $23.50 ▲(14.02% Upside)

The overall score reflects moderate financial performance with stable revenue growth but needs improvements in profitability margins and cash flow. Technical indicators suggest bearish momentum, while corporate events and earnings call provide mixed signals, highlighting both strategic growth and present challenges.

First Western Financial Business Overview & Revenue Model

Company Description

First Western Financial, Inc. (MYFW) is a financial services company that operates primarily in the wealth management and private banking sectors. The company offers a comprehensive suite of personalized financial services, including investment management, trust and estate planning, and private banking solutions. Its core clientele includes high-net-worth individuals, families, and businesses seeking customized financial strategies.

How the Company Makes Money

First Western Financial generates revenue through various fee-based services and interest income. The company earns fees from wealth management services, including investment advisory and portfolio management, where clients are charged a percentage of assets under management. Additionally, First Western provides trust and estate planning services, which also contribute fee income. In the private banking sector, the company earns interest income from loans and credit products offered to clients. Deposits gathered through banking services provide a low-cost funding source to support lending activities. Key factors contributing to its earnings include strong client relationships, an experienced advisory team, and a focus on personalized financial solutions.

First Western Financial Financial Statement Overview

Summary

First Western Financial demonstrates stable revenue growth and a strong equity position. However, moderate profitability margins and cash flow management need attention for sustained growth.

Income Statement

The company has shown a consistent increase in total revenue over the years, with a notable revenue growth rate from 2022 to 2023. Gross profit margin remains strong, though there is a slight decline in net profit margin, reflecting increased costs or reduced efficiency. EBIT and EBITDA margins indicate moderate profitability, with room for improvement.

Balance Sheet

The balance sheet reflects a strong equity position, with a healthy equity ratio. However, the debt-to-equity ratio suggests moderate leverage, which could pose risks if not managed properly. Return on Equity (ROE) has shown some variation but remains positive, indicating profitability relative to shareholder equity.

Cash Flow

The cash flow statement shows fluctuations in operating and free cash flow, with challenges in maintaining consistent cash flow from operations. While there has been positive free cash flow growth recently, historical volatility suggests the need for improved cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	176.64M	177.77M	165.38M	127.51M	101.04M	103.06M
Gross Profit	88.95M	87.51M	80.57M	106.56M	94.39M	91.15M
EBITDA	15.97M	14.14M	9.44M	30.84M	28.54M	34.18M
Net Income	10.14M	8.47M	5.22M	21.70M	20.61M	24.53M
Balance Sheet
Total Assets	2.91B	2.92B	2.98B	2.87B	2.53B	1.97B
Cash, Cash Equivalents and Short-Term Investments	271.58M	236.04M	254.44M	196.51M	441.70M	192.66M
Total Debt	96.23M	130.56M	178.05M	199.02M	77.66M	173.85M
Total Liabilities	2.65B	2.67B	2.73B	2.63B	2.31B	1.82B
Stockholders Equity	256.56M	252.32M	242.74M	240.86M	219.04M	154.96M
Cash Flow
Free Cash Flow	7.73M	-1.76M	19.53M	45.31M	160.41M	-94.52M
Operating Cash Flow	9.81M	-544.00K	21.88M	48.28M	162.51M	-93.32M
Investing Cash Flow	39.59M	66.44M	-66.39M	-558.80M	-43.02M	-456.02M
Financing Cash Flow	-35.70M	-84.30M	102.44M	320.05M	111.50M	626.70M

First Western Financial Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 20.61
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MYFW, the sentiment is Negative. The current price of 20.61 is below the 20-day moving average (MA) of 22.85, below the 50-day MA of 22.28, and below the 200-day MA of 20.62, indicating a bearish trend. The MACD of -0.61 indicates Positive momentum. The RSI at 28.78 is Positive, neither overbought nor oversold. The STOCH value of 3.41 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for MYFW.

First Western Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
EFSI	84 Outperform	$177.97M	15.31	5.44%	3.75%	-1.51%	-26.72%
FUNC	76 Outperform	$212.24M	8.95	13.37%	2.69%	11.42%	63.24%
FINW	72 Outperform	$239.06M	18.54	7.56%	―	13.75%	-14.44%
CFFI	68 Neutral	$207.30M	8.47	10.69%	2.81%	11.71%	32.12%
Sector *	67 Neutral	$17.03B	11.60	9.79%	3.95%	10.64%	1.89%
MYFW	62 Neutral	$200.29M	17.45	4.58%	―	0.35%	64.49%

First Western Financial Corporate Events

First Western Financial Shows Strong Financial Momentum

First Western Financial, Inc. has demonstrated strong operational and financial momentum, with significant revenue growth and improved profitability since its IPO. The company has increased its total assets by 189% and achieved a 155% rise in tangible book value per share. With a strategic focus on organic growth, market expansion, and accretive acquisitions, First Western is positioned as a high-performing institution with a diverse loan portfolio and a stable deposit base. The management team, with a history of successful bank sales, holds a substantial insider ownership of 15.5%, aligning their interests with shareholders.

The most recent analyst rating on (MYFW) stock is a Hold with a $20.00 price target. To see the full list of analyst forecasts on First Western Financial stock, see the MYFW Stock Forecast page.

First Western Financial Reports Q2 2025 Earnings

For the second quarter of 2025, First Western Financial reported a net income of $2.5 million, a decrease from $4.2 million in the first quarter, but an increase from $1.1 million in the second quarter of 2024. The company saw growth in total loans and an improved net interest margin, despite a decrease in non-interest income. CEO Scott Wylie highlighted the company’s strong loan production and healthy economic conditions, expecting continued balance sheet growth and financial performance in the second half of the year.

The most recent analyst rating on (MYFW) stock is a Hold with a $20.00 price target. To see the full list of analyst forecasts on First Western Financial stock, see the MYFW Stock Forecast page.

First Western Financial Appoints New Chief Revenue Officer

On June 5, 2025, First Western Financial, Inc. appointed Matthew C. Cassell as Chief Revenue Officer of First Western Trust Bank. Mr. Cassell, who joined the bank in May 2020 and served as Chief Banking Officer since February 2023, brings extensive leadership experience from his previous roles, including as Colorado President for Simmons Bank. This appointment is expected to enhance the bank’s revenue strategies, leveraging Mr. Cassell’s vast experience in the banking sector.

The most recent analyst rating on (MYFW) stock is a Hold with a $20.00 price target. To see the full list of analyst forecasts on First Western Financial stock, see the MYFW Stock Forecast page.

First Western Financial Shareholders Approve Omnibus Incentive Plan

On June 4, 2025, First Western Financial, Inc. held its annual meeting where shareholders approved the amendment and restatement of the company’s Omnibus Incentive Plan, increasing the share reserve by 150,000 shares. Additionally, shareholders elected eleven directors, ratified Crowe LLP as the independent accounting firm for 2025, and approved executive compensation, reflecting strong support for the company’s strategic initiatives and governance.

The most recent analyst rating on (MYFW) stock is a Buy with a $24.00 price target. To see the full list of analyst forecasts on First Western Financial stock, see the MYFW Stock Forecast page.

First Western Financial Reports Key Financial Milestones

In 2024, First Western Financial, Inc. achieved significant financial milestones despite challenging economic conditions and fluctuating interest rates. The company improved its liquidity, expanded its net interest margin, and enhanced asset quality by reducing non-performing loans. It also reported a 3.7% increase in tangible book value per share and growth in capital ratios. The company’s strategic focus on business development led to an increase in deposit accounts and strong loan production, contributing to its robust balance sheet and market presence. These efforts, alongside a diversified client base and conservative underwriting, position First Western well for continued growth and value creation for shareholders.

The most recent analyst rating on (MYFW) stock is a Hold with a $20.00 price target. To see the full list of analyst forecasts on First Western Financial stock, see the MYFW Stock Forecast page.

First Western Financial Highlights Strong Growth in June 2025

In June 2025, First Western Financial, Inc. presented investor materials highlighting its strong financial and operational momentum. The company reported significant revenue growth and increased total assets by 178% since its IPO, driven by a combination of organic growth and strategic acquisitions. The firm maintains a stable deposit base and minimal credit losses, with insiders owning approximately 15.5% of shares, aligning management interests with shareholders.

The most recent analyst rating on (MYFW) stock is a Hold with a $20.00 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 Stock Repurchase Plan Approved

On April 23, 2025, First Western Financial, Inc.’s Board of Directors authorized a stock repurchase plan of up to $5 million. The Federal Reserve approved this plan on May 14, 2025, and it will be effective for one year starting June 13, 2025. The plan allows for repurchases through various methods, including open market and privately negotiated transactions, without obligating the company to a specific amount or number of shares.

The most recent analyst rating on (MYFW) stock is a Hold with a $20.00 price target. To see the full list of analyst forecasts on First Western Financial stock, see the MYFW Stock Forecast page.