MYFW
First Western Financial, Inc.
Banks - Regional
Market Cap$297M
5Y Perf.+114.2%
Build Your Comparison
Side-by-side financial analysisMYFW
NBTB
Try popular comparisons:
Stock Comparison
MYFW vs NBTB
Revenue, margins, valuation, and 5-year total return — side by side.
NBTB
NBT Bancorp Inc.
Banks - Regional
Market Cap$2.52B
5Y Perf.+56.6%
MYFW vs NBTB — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot |  MYFW |  NBTB |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $297M | $2.52B |
| Revenue (TTM) | $186M | $902M |
| Net Income (TTM) | $13M | $169M |
| Gross Margin | 52.5% | 73.6% |
| Operating Margin | 9.7% | 24.3% |
| Forward P/E | 12.9x | 11.5x |
| Total Debt | $108M | $327M |
| Cash & Equiv. | $10M | $185M |
MYFW vs NBTB — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
MYFW
NBTB
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| First Western Finan… (MYFW) | 100 | 214.2 | +114.2% |
| NBT Bancorp Inc. (NBTB) | 100 | 156.6 | +56.6% |
Price return only. Dividends and distributions are not included.
Quick Verdict: MYFW vs NBTB
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: MYFW leads in 4 of 7 categories, making it the strongest pick for profitability and margin quality and capital preservation and lower volatility. NBT Bancorp Inc. is the stronger pick specifically for growth and revenue expansion and valuation and capital efficiency. As sector peers, any of these can serve as alternatives in the same allocation.
🥇MYFW emerged as the overall leader. Track its performance:
MYFW
First Western Financial, Inc.
The Banking Pick
MYFW carries the broadest edge in this set and is the clearest fit for sleep-well-at-night.
- Lower volatility, beta 0.75, Low D/E 40.5%, current ratio 0.03x
- Efficiency ratio 0.4% vs NBTB's 0.5% (lower = leaner)
- Beta 0.75 vs NBTB's 0.76
Best for: sleep-well-at-night
NBTB
NBT Bancorp Inc.
The Banking Pick
NBTB is the clearest fit if your priority is income & stability and growth exposure.
- Dividend streak 13 yrs, beta 0.76, yield 3.0%
- Rev growth 10.4%, EPS growth 12.5%
- 108.5% 10Y total return vs MYFW's 55.0%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth |  NBTB | 10.4% NII/revenue growth vs MYFW's 4.8% |
| Value | NBTB | Lower P/E (11.5x vs 12.9x) |
| Quality / Margins |  MYFW | Efficiency ratio 0.4% vs NBTB's 0.5% (lower = leaner) |
| Stability / Safety | MYFW | Beta 0.75 vs NBTB's 0.76 |
| Dividends | NBTB | 3.0% yield, 13-year raise streak, vs MYFW's 0.2% |
| Momentum (1Y) | MYFW | +46.7% vs NBTB's +18.3% |
| Efficiency (ROA) | MYFW | Efficiency ratio 0.4% vs NBTB's 0.5% |
MYFW vs NBTB — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
MYFW vs NBTB — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLNBTBLAGGINGMYFW
MYFWFirst Western Financi…
0leads
NBTBNBT Bancorp Inc.
4leads
6 Total Categories
CATEGORYLEADERvs MYFWMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
NBTB5/5
Valuation MetricsMultiples, price ratios, and targets
NBTB3/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
NBTB6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
Tied
—
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
NBTB2/2
Income & Cash Flow (Last 12 Months)
NBTB leads this category, winning 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
NBTB is the larger business by revenue, generating $902M annually — 4.8x MYFW's $186M. NBTB is the more profitable business, keeping 18.8% of every revenue dollar as net income compared to MYFW's 7.1%.
| Metric | MYFWFirst Western Fin… | NBTBNBT Bancorp Inc. |
|---|---|---|
| RevenueTrailing 12 months | $186M | $902M |
| EBITDAEarnings before interest/tax | $20M | $241M |
| Net IncomeAfter-tax profit | $13M | $169M |
| Free Cash FlowCash after capex | -$7M | $225M |
| Gross MarginGross profit ÷ Revenue | +52.5% | +73.6% |
| Operating MarginEBIT ÷ Revenue | +9.7% | +24.3% |
| Net MarginNet income ÷ Revenue | +7.1% | +18.8% |
| FCF MarginFCF ÷ Revenue | -3.8% | +24.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +17.9% | +39.5% |
NBTB leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
NBTB leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
At 14.5x trailing earnings, NBTB trades at a 36% valuation discount to MYFW's 22.8x P/E. On an enterprise value basis, NBTB's 11.0x EV/EBITDA is more attractive than MYFW's 19.7x.
| Metric | MYFWFirst Western Fin… | NBTBNBT Bancorp Inc. |
|---|---|---|
| Market CapShares × price | $297M | $2.5B |
| Enterprise ValueMkt cap + debt − cash | $395M | $2.7B |
| Trailing P/EPrice ÷ TTM EPS | 22.78x | 14.47x |
| Forward P/EPrice ÷ next-FY EPS est. | 12.88x | 11.54x |
| PEG RatioP/E ÷ EPS growth rate | — | 2.06x |
| EV / EBITDAEnterprise value multiple | 19.70x | 11.03x |
| Price / SalesMarket cap ÷ Revenue | 1.59x | 2.90x |
| Price / BookPrice ÷ Book value/share | 1.14x | 1.29x |
| Price / FCFMarket cap ÷ FCF | — | 11.49x |
NBTB leads this category, winning 3 of 5 comparable metrics.
Profitability & Efficiency
NBTB leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
NBTB delivers a 9.5% return on equity — every $100 of shareholder capital generates $10 in annual profit, vs $5 for MYFW. NBTB carries lower financial leverage with a 0.17x debt-to-equity ratio, signaling a more conservative balance sheet compared to MYFW's 0.41x. On the Piotroski fundamental quality scale (0–9), NBTB scores 7/9 vs MYFW's 4/9, reflecting strong financial health.
| Metric | MYFWFirst Western Fin… | NBTBNBT Bancorp Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +5.1% | +9.5% |
| ROA (TTM)Return on assets | +0.4% | +1.1% |
| ROICReturn on invested capital | +3.7% | +7.9% |
| ROCEReturn on capital employed | +3.1% | +2.4% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 7 |
| Debt / EquityFinancial leverage | 0.41x | 0.17x |
| Net DebtTotal debt minus cash | $98M | $142M |
| Cash & Equiv.Liquid assets | $10M | $185M |
| Total DebtShort + long-term debt | $108M | $327M |
| Interest CoverageEBIT ÷ Interest expense | 0.21x | 1.05x |
NBTB leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
Evenly matched — MYFW and NBTB each lead in 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in NBTB five years ago would be worth $14,438 today (with dividends reinvested), compared to $11,465 for MYFW. Over the past 12 months, MYFW leads with a +46.7% total return vs NBTB's +18.3%. The 3-year compound annual growth rate (CAGR) favors MYFW at 18.6% vs NBTB's 14.1% — a key indicator of consistent wealth creation.
| Metric | MYFWFirst Western Fin… | NBTBNBT Bancorp Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +14.6% | +17.6% |
| 1-Year ReturnPast 12 months | +46.7% | +18.3% |
| 3-Year ReturnCumulative with dividends | +66.8% | +48.5% |
| 5-Year ReturnCumulative with dividends | +14.6% | +44.4% |
| 10-Year ReturnCumulative with dividends | +55.0% | +108.5% |
| CAGR (3Y)Annualised 3-year return | +18.6% | +14.1% |
Evenly matched — MYFW and NBTB each lead in 3 of 6 comparable metrics.
Risk & Volatility
Evenly matched — MYFW and NBTB each lead in 1 of 2 comparable metrics.
Risk & Volatility
MYFW is the less volatile stock with a 0.75 beta — it tends to amplify market swings less than NBTB's 0.76 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | MYFWFirst Western Fin… | NBTBNBT Bancorp Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.75x | 0.76x |
| 52-Week HighHighest price in past year | $31.08 | $48.27 |
| 52-Week LowLowest price in past year | $20.29 | $39.20 |
| % of 52W HighCurrent price vs 52-week peak | +98.2% | +99.8% |
| RSI (14)Momentum oscillator 0–100 | 64.3 | 63.1 |
| Avg Volume (50D)Average daily shares traded | 33K | 266K |
Evenly matched — MYFW and NBTB each lead in 1 of 2 comparable metrics.
Analyst Outlook
NBTB leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates MYFW as "Buy" and NBTB as "Hold". Consensus price targets imply -4.5% upside for NBTB (target: $46) vs -11.6% for MYFW (target: $27). For income investors, NBTB offers the higher dividend yield at 2.96% vs MYFW's 0.19%.
| Metric | MYFWFirst Western Fin… | NBTBNBT Bancorp Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $27.00 | $46.00 |
| # AnalystsCovering analysts | 5 | 10 |
| Dividend YieldAnnual dividend ÷ price | +0.2% | +3.0% |
| Dividend StreakConsecutive years of raises | 1 | 13 |
| Dividend / ShareAnnual DPS | $0.06 | $1.43 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.3% | +0.4% |
NBTB leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
NBTB leads in 4 of 6 categories — strongest in Income & Cash Flow and Valuation Metrics. 2 categories are tied.
Best OverallNBT Bancorp Inc. (NBTB)Leads 4 of 6 categories
Loading custom metrics...
MYFW vs NBTB: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is MYFW or NBTB a better buy right now?
For growth investors, NBT Bancorp Inc.
(NBTB) is the stronger pick with 10. 4% revenue growth year-over-year, versus 4. 8% for First Western Financial, Inc. (MYFW). NBT Bancorp Inc. (NBTB) offers the better valuation at 14. 5x trailing P/E (11. 5x forward), making it the more compelling value choice. Analysts rate First Western Financial, Inc. (MYFW) a "Buy" — based on 5 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — MYFW or NBTB?
On trailing P/E, NBT Bancorp Inc.
(NBTB) is the cheapest at 14. 5x versus First Western Financial, Inc. at 22. 8x. On forward P/E, NBT Bancorp Inc. is actually cheaper at 11. 5x.
03Which is the better long-term investment — MYFW or NBTB?
Over the past 5 years, NBT Bancorp Inc.
(NBTB) delivered a total return of +44. 4%, compared to +14. 6% for First Western Financial, Inc. (MYFW). Over 10 years, the gap is even starker: NBTB returned +108. 5% versus MYFW's +55. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — MYFW or NBTB?
By beta (market sensitivity over 5 years), First Western Financial, Inc.
(MYFW) is the lower-risk stock at 0. 75β versus NBT Bancorp Inc. 's 0. 76β — meaning NBTB is approximately 1% more volatile than MYFW relative to the S&P 500. On balance sheet safety, NBT Bancorp Inc. (NBTB) carries a lower debt/equity ratio of 17% versus 41% for First Western Financial, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — MYFW or NBTB?
By revenue growth (latest reported year), NBT Bancorp Inc.
(NBTB) is pulling ahead at 10. 4% versus 4. 8% for First Western Financial, Inc. (MYFW). On earnings-per-share growth, the picture is similar: First Western Financial, Inc. grew EPS 54. 0% year-over-year, compared to 12. 5% for NBT Bancorp Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — MYFW or NBTB?
NBT Bancorp Inc.
(NBTB) is the more profitable company, earning 19. 5% net margin versus 7. 1% for First Western Financial, Inc. — meaning it keeps 19. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: NBTB leads at 25. 3% versus 9. 7% for MYFW. At the gross margin level — before operating expenses — NBTB leads at 72. 1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is MYFW or NBTB more undervalued right now?
On forward earnings alone, NBT Bancorp Inc.
(NBTB) trades at 11. 5x forward P/E versus 12. 9x for First Western Financial, Inc. — 1. 3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for NBTB: -4. 5% to $46. 00.
08Which pays a better dividend — MYFW or NBTB?
All stocks in this comparison pay dividends.
NBT Bancorp Inc. (NBTB) offers the highest yield at 3. 0%, versus 0. 2% for First Western Financial, Inc. (MYFW).
09Is MYFW or NBTB better for a retirement portfolio?
For long-horizon retirement investors, NBT Bancorp Inc.
(NBTB) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 76), 3. 0% yield, +108. 5% 10Y return). Both have compounded well over 10 years (NBTB: +108. 5%, MYFW: +55. 0%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between MYFW and NBTB?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: MYFW is a small-cap quality compounder stock; NBTB is a small-cap deep-value stock. NBTB pays a dividend while MYFW does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
You Might Also Compare
Based on how these companies actually compete and overlap — not just which sector they're filed under.