MYFW
First Western Financial, Inc.
Banks - Regional
Market Cap$297M
5Y Perf.+114.2%
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Side-by-side financial analysisMYFW
GBCI
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Stock Comparison
MYFW vs GBCI
Revenue, margins, valuation, and 5-year total return — side by side.
GBCI
Glacier Bancorp, Inc.
Banks - Regional
Market Cap$6.50B
5Y Perf.+41.5%
MYFW vs GBCI — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot |  MYFW |  GBCI |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $297M | $6.50B |
| Revenue (TTM) | $186M | $1.43B |
| Net Income (TTM) | $13M | $239M |
| Gross Margin | 52.5% | 69.0% |
| Operating Margin | 9.7% | 22.9% |
| Forward P/E | 12.9x | 16.2x |
| Total Debt | $108M | $2.90B |
| Cash & Equiv. | $10M | $322M |
MYFW vs GBCI — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
MYFW
GBCI
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| First Western Finan… (MYFW) | 100 | 214.2 | +114.2% |
| Glacier Bancorp, In… (GBCI) | 100 | 141.5 | +41.5% |
Price return only. Dividends and distributions are not included.
Quick Verdict: MYFW vs GBCI
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: MYFW leads in 5 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Glacier Bancorp, Inc. is the stronger pick specifically for growth and revenue expansion and dividend income and shareholder returns. 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 income & stability and sleep-well-at-night.
- Dividend streak 1 yrs, beta 0.75, yield 0.2%
- Lower volatility, beta 0.75, Low D/E 40.5%, current ratio 0.03x
- Lower P/E (12.9x vs 16.2x)
Best for: income & stability and sleep-well-at-night
GBCI
Glacier Bancorp, Inc.
The Banking Pick
GBCI is the clearest fit if your priority is growth exposure and long-term compounding.
- Rev growth 14.5%, EPS growth 18.5%
- 136.5% 10Y total return vs MYFW's 55.0%
- Beta 1.05, yield 2.5%, current ratio 307.57x
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth |  GBCI | 14.5% NII/revenue growth vs MYFW's 4.8% |
| Value |  MYFW | Lower P/E (12.9x vs 16.2x) |
| Quality / Margins | MYFW | Efficiency ratio 0.4% vs GBCI's 0.5% (lower = leaner) |
| Stability / Safety | MYFW | Beta 0.75 vs GBCI's 1.05, lower leverage |
| Dividends | GBCI | 2.5% yield, vs MYFW's 0.2% |
| Momentum (1Y) | MYFW | +46.7% vs GBCI's +20.9% |
| Efficiency (ROA) | MYFW | Efficiency ratio 0.4% vs GBCI's 0.5% |
MYFW vs GBCI — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
Segment breakdown not available.
MYFW vs GBCI — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLMYFWLAGGINGGBCI
GBCIGlacier Bancorp, Inc.
1leads
MYFWFirst Western Financi…
4leads
6 Total Categories
CATEGORYLEADERvs GBCIMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
GBCI4/5
Valuation MetricsMultiples, price ratios, and targets
MYFW5/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
MYFW5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
MYFW5/6
Risk & VolatilityBeta, volatility, and downside exposure
MYFW2/2
Analyst OutlookRatings, price targets, and dividends
Tied
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Income & Cash Flow (Last 12 Months)
GBCI leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
GBCI is the larger business by revenue, generating $1.4B annually — 7.6x MYFW's $186M. GBCI is the more profitable business, keeping 16.8% of every revenue dollar as net income compared to MYFW's 7.1%.
| Metric | MYFWFirst Western Fin… | GBCIGlacier Bancorp, … |
|---|---|---|
| RevenueTrailing 12 months | $186M | $1.4B |
| EBITDAEarnings before interest/tax | $20M | $365M |
| Net IncomeAfter-tax profit | $13M | $239M |
| Free Cash FlowCash after capex | -$7M | $337M |
| Gross MarginGross profit ÷ Revenue | +52.5% | +69.0% |
| Operating MarginEBIT ÷ Revenue | +9.7% | +22.9% |
| Net MarginNet income ÷ Revenue | +7.1% | +16.8% |
| FCF MarginFCF ÷ Revenue | -3.8% | +23.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +17.9% | -9.3% |
GBCI leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
MYFW leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
At 22.8x trailing earnings, MYFW trades at a 9% valuation discount to GBCI's 25.1x P/E. On an enterprise value basis, MYFW's 19.7x EV/EBITDA is more attractive than GBCI's 24.9x.
| Metric | MYFWFirst Western Fin… | GBCIGlacier Bancorp, … |
|---|---|---|
| Market CapShares × price | $297M | $6.5B |
| Enterprise ValueMkt cap + debt − cash | $395M | $9.1B |
| Trailing P/EPrice ÷ TTM EPS | 22.78x | 25.10x |
| Forward P/EPrice ÷ next-FY EPS est. | 12.88x | 16.18x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 19.70x | 24.86x |
| Price / SalesMarket cap ÷ Revenue | 1.59x | 4.56x |
| Price / BookPrice ÷ Book value/share | 1.14x | 1.54x |
| Price / FCFMarket cap ÷ FCF | — | 18.70x |
MYFW leads this category, winning 5 of 5 comparable metrics.
Profitability & Efficiency
MYFW leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
GBCI delivers a 6.5% return on equity — every $100 of shareholder capital generates $7 in annual profit, vs $5 for MYFW. MYFW carries lower financial leverage with a 0.41x debt-to-equity ratio, signaling a more conservative balance sheet compared to GBCI's 0.69x. On the Piotroski fundamental quality scale (0–9), GBCI scores 7/9 vs MYFW's 4/9, reflecting strong financial health.
| Metric | MYFWFirst Western Fin… | GBCIGlacier Bancorp, … |
|---|---|---|
| ROE (TTM)Return on equity | +5.1% | +6.5% |
| ROA (TTM)Return on assets | +0.4% | +0.8% |
| ROICReturn on invested capital | +3.7% | +3.5% |
| ROCEReturn on capital employed | +3.1% | +1.7% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 7 |
| Debt / EquityFinancial leverage | 0.41x | 0.69x |
| Net DebtTotal debt minus cash | $98M | $2.6B |
| Cash & Equiv.Liquid assets | $10M | $322M |
| Total DebtShort + long-term debt | $108M | $2.9B |
| Interest CoverageEBIT ÷ Interest expense | 0.21x | 0.80x |
MYFW leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
MYFW leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in MYFW five years ago would be worth $11,465 today (with dividends reinvested), compared to $10,019 for GBCI. Over the past 12 months, MYFW leads with a +46.7% total return vs GBCI's +20.9%. The 3-year compound annual growth rate (CAGR) favors MYFW at 18.6% vs GBCI's 14.2% — a key indicator of consistent wealth creation.
| Metric | MYFWFirst Western Fin… | GBCIGlacier Bancorp, … |
|---|---|---|
| YTD ReturnYear-to-date | +14.6% | +12.6% |
| 1-Year ReturnPast 12 months | +46.7% | +20.9% |
| 3-Year ReturnCumulative with dividends | +66.8% | +49.1% |
| 5-Year ReturnCumulative with dividends | +14.6% | +0.2% |
| 10-Year ReturnCumulative with dividends | +55.0% | +136.5% |
| CAGR (3Y)Annualised 3-year return | +18.6% | +14.2% |
MYFW leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
MYFW leads this category, winning 2 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 GBCI's 1.05 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. MYFW currently trades 98.2% from its 52-week high vs GBCI's 92.5% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | MYFWFirst Western Fin… | GBCIGlacier Bancorp, … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.75x | 1.05x |
| 52-Week HighHighest price in past year | $31.08 | $53.99 |
| 52-Week LowLowest price in past year | $20.29 | $39.90 |
| % of 52W HighCurrent price vs 52-week peak | +98.2% | +92.5% |
| RSI (14)Momentum oscillator 0–100 | 64.3 | 59.0 |
| Avg Volume (50D)Average daily shares traded | 33K | 776K |
MYFW leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — MYFW and GBCI each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates MYFW as "Buy" and GBCI as "Buy". Consensus price targets imply 14.8% upside for GBCI (target: $57) vs -11.6% for MYFW (target: $27). For income investors, GBCI offers the higher dividend yield at 2.50% vs MYFW's 0.19%.
| Metric | MYFWFirst Western Fin… | GBCIGlacier Bancorp, … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $27.00 | $57.33 |
| # AnalystsCovering analysts | 5 | 14 |
| Dividend YieldAnnual dividend ÷ price | +0.2% | +2.5% |
| Dividend StreakConsecutive years of raises | 1 | 0 |
| Dividend / ShareAnnual DPS | $0.06 | $1.25 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.3% | 0.0% |
Evenly matched — MYFW and GBCI each lead in 1 of 2 comparable metrics.
Key Takeaway
MYFW leads in 4 of 6 categories (Valuation Metrics, Profitability & Efficiency). GBCI leads in 1 (Income & Cash Flow). 1 tied.
Best OverallFirst Western Financial, In… (MYFW)Leads 4 of 6 categories
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MYFW vs GBCI: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is MYFW or GBCI a better buy right now?
For growth investors, Glacier Bancorp, Inc.
(GBCI) is the stronger pick with 14. 5% revenue growth year-over-year, versus 4. 8% for First Western Financial, Inc. (MYFW). First Western Financial, Inc. (MYFW) offers the better valuation at 22. 8x trailing P/E (12. 9x 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 GBCI?
On trailing P/E, First Western Financial, Inc.
(MYFW) is the cheapest at 22. 8x versus Glacier Bancorp, Inc. at 25. 1x. On forward P/E, First Western Financial, Inc. is actually cheaper at 12. 9x.
03Which is the better long-term investment — MYFW or GBCI?
Over the past 5 years, First Western Financial, Inc.
(MYFW) delivered a total return of +14. 6%, compared to +0. 2% for Glacier Bancorp, Inc. (GBCI). Over 10 years, the gap is even starker: GBCI returned +136. 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 GBCI?
By beta (market sensitivity over 5 years), First Western Financial, Inc.
(MYFW) is the lower-risk stock at 0. 75β versus Glacier Bancorp, Inc. 's 1. 05β — meaning GBCI is approximately 39% more volatile than MYFW relative to the S&P 500. On balance sheet safety, First Western Financial, Inc. (MYFW) carries a lower debt/equity ratio of 41% versus 69% for Glacier Bancorp, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — MYFW or GBCI?
By revenue growth (latest reported year), Glacier Bancorp, Inc.
(GBCI) is pulling ahead at 14. 5% 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 18. 5% for Glacier 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 GBCI?
Glacier Bancorp, Inc.
(GBCI) is the more profitable company, earning 16. 8% net margin versus 7. 1% for First Western Financial, Inc. — meaning it keeps 16. 8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: GBCI leads at 22. 9% versus 9. 7% for MYFW. At the gross margin level — before operating expenses — GBCI leads at 69. 0%, 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 GBCI more undervalued right now?
On forward earnings alone, First Western Financial, Inc.
(MYFW) trades at 12. 9x forward P/E versus 16. 2x for Glacier Bancorp, Inc. — 3. 3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for GBCI: 14. 8% to $57. 33.
08Which pays a better dividend — MYFW or GBCI?
All stocks in this comparison pay dividends.
Glacier Bancorp, Inc. (GBCI) offers the highest yield at 2. 5%, versus 0. 2% for First Western Financial, Inc. (MYFW).
09Is MYFW or GBCI better for a retirement portfolio?
For long-horizon retirement investors, Glacier Bancorp, Inc.
(GBCI) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1. 05), 2. 5% yield, +136. 5% 10Y return). Both have compounded well over 10 years (GBCI: +136. 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 GBCI?
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.
GBCI 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.
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