First Western Financial, Inc.(MYFW)Earnings, Financials & Key Ratios

MYFW•NASDAQ•Banking & Credit

22.8× P/E·Price updated Jun 13, 2026

SectorFinancial Services IndustryRegional Banks Sub-IndustryBanks with large fee businesses

AboutFirst Western Financial, Inc., a financial holding company, provides wealth management, private banking, personal trust, investment management, mortgage lending, and institutional asset management services. The company operates through two segments: Wealth Management and Mortgage. The Wealth Management segment provides deposit, loan, insurance, and trust and investment management advisory products and services. The Mortgage segment engages in soliciting, originating, and selling mortgage loans into the secondary market. It serves entrepreneurs, professionals, high-net worth individuals or families, and philanthropic and business organizations. The company operates 18 profit centers, including 14 boutique private trust bank offices with 2 locations in Arizona, 9 locations in Colorado, and 3 location in Wyoming; 2 loan production offices with 1 location in Ft. Collins, Colorado, and 1 location in Greenwood Village, Colorado; and 2 trust offices with 1 location in Laramie, Wyoming, and 1 location in Century City, California. First Western Financial, Inc. was incorporated in 2002 and is headquartered in Denver, Colorado.Show more

Net Interest Income$75M+17.3%
Total Revenue$186M+4.8%
Net Income$13M+55.6%
Return on Equity5.09%+48.8%
Net Interest Margin2.38%+8.6%
Efficiency Ratio42.82%+0.2%
ROA0.43%+51.0%
Equity / Assets8.42%-2.6%
Book Value per Share26.67+3.3%
Tangible BV/Share23.52+4.1%
Debt/Equity0.41-6.7%

MYFW Key Insights

First Western Financial, Inc. (MYFW) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

✓Efficient operations: 42.8% efficiency ratio
✓Trading near 52-week high
✓Trading at only 1.1x book value

✗Weaknesses

✗Weak 3Y average ROE of 3.6%
✗Profits declining 11.7% over 5 years

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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MYFW Price & Volume

First Western Financial, Inc. (MYFW) stock price & volume — 10-year historical chart

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MYFW Growth Metrics

First Western Financial, Inc. (MYFW) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-

5 Years12.58%

3 Years13.48%

TTM-

Profit CAGR

10 Years-

5 Years-11.68%

3 Years-15.29%

TTM55.65%

EPS CAGR

10 Years-

5 Years-15.33%

3 Years-15.61%

TTM54.02%

Return on Capital

10 Years5.25%

5 Years4.56%

3 Years2.45%

Last Year3.06%

MYFW Recent Earnings

First Western Financial, Inc. (MYFW) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 4/12 qtrs (44%)●Beat Revenue 2/12 qtrs (22%)

Q2 2026Latest

Apr 23, 2026

EPS

$0.63

Est $0.44

+43.2%

Revenue

$28M

Est $27M

+4.3%

Q1 2026

Feb 27, 2026

EPS

$0.33

Revenue

$48M

Q1 2026

Jan 22, 2026

EPS

$0.34

Est $0.47

-27.7%

Revenue

$26M

Est $28M

-6.4%

Q4 2025

Oct 23, 2025

EPS

$0.32

Est $0.36

-10.3%

Revenue

$26M

Est $27M

-2.1%

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	Apr 23, 2026	$0.63vs $0.44+43.2%	$28Mvs $27M+4.3%
Q1 2026	Feb 27, 2026	$0.33	$48M
Q1 2026	Jan 22, 2026	$0.34vs $0.47-27.7%	$26Mvs $28M-6.4%
Q4 2025	Oct 23, 2025	$0.32vs $0.36-10.3%	$26Mvs $27M-2.1%

Based on last 12 quarters of dataView full earnings history →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
NBTBNBT Bancorp Inc.Direct Competitor	2.52B	48.18	14.47	10.36%	18.76%	9.51%	0.17
CVBFCVB Financial Corp.Direct Competitor	2.88B	21.23	13.97	-2.33%	32.48%	9.25%	0.43
BOKFBOK Financial CorporationDirect Competitor	8.18B	134.61	14.66	-1.07%	17.38%	9.79%	0.78
SFNCSimmons First National CorporationDirect Competitor	3.27B	22.51	-7.63	-56.66%	-64.33%	-11.48%	0.19
GBCIGlacier Bancorp, Inc.Direct Competitor	6.5B	49.95	25.10	14.48%	16.77%	6.53%	0.69
INDBIndependent Bank Corp.Direct Competitor	4.12B	83.27	18.71	19.82%	17.57%	6.21%	0.25
WSFSWSFS Financial CorporationProduct Competitor	3.97B	75.24	14.78	-3.05%	21.14%	10.65%	0.11
FIBKFirst Interstate BancSystem, Inc.Product Competitor	3.62B	37.11	12.62	-28.52%	22.67%	8.83%	0.23

Compare MYFW vs Peers

First Western Financial, Inc. (MYFW) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NBTB

Most directly comparable listed peer for MYFW.

Scale Benchmark

vs BLK

Larger-name benchmark to compare MYFW against a more recognizable public peer.

Peer Set

Compare Top 5

vs NBTB, CVBF, BOKF, SFNC

MYFW Income Statement

First Western Financial, Inc. (MYFW) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Net Interest Income	27.58M	30.62M	32.06M	46.1M	56.51M	83.55M	70.48M	63.86M	74.93M
NII Growth %	12.75%	11.05%	4.69%	43.79%	22.57%	47.84%	-15.63%	-9.4%	17.33%
Net Interest Margin %	2.84%	2.82%	2.56%	2.34%	2.24%	2.91%	2.37%	2.19%	2.38%
Interest Income	33.34M	38.8M	45.05M	53.33M	61.92M	100.81M	144.94M	152.19M	159.35M
Interest Expense	5.76M	8.17M	12.99M	7.23M	5.42M	17.27M	74.45M	88.33M	84.42M
Loan Loss Provision	788K	180K	663K	4.68M	1.23M	3.68M	10.36M	1.93M	4.11M
Non-Interest Income	27.07M	26.46M	31.85M	49.73M	39.11M	26.7M	20.44M	25.58M	27M
Non-Interest Income %	44.81%	40.54%	41.42%	48.25%	38.71%	20.94%	12.36%	14.39%	14.49%
Total Revenue	60.41M▲ 0%	65.25M▲ 8.0%	76.9M▲ 17.8%	103.06M▲ 34.0%	101.04M▼ 2.0%	127.51M▲ 26.2%	165.38M▲ 29.7%	177.77M▲ 7.5%	186.35M▲ 4.8%
Revenue Growth %	1.62%	8.02%	17.85%	34.02%	-1.96%	26.2%	29.7%	7.49%	4.83%
Non-Interest Expense	48.85M	49.48M	53.05M	58.08M	67.11M	77.73M	73.51M	75.93M	79.79M
Efficiency Ratio	80.87%	75.83%	68.99%	56.36%	66.42%	60.96%	44.45%	42.71%	42.82%
Operating Income	5.01M▲ 0%	7.42M▲ 48.2%	10.19M▲ 37.3%	33.06M▲ 224.4%	27.28M▼ 17.5%	28.83M▲ 5.7%	7.06M▼ 75.5%	11.58M▲ 64.0%	17.99M▲ 55.4%
Operating Margin %	8.29%	11.37%	13.25%	32.08%	27%	22.61%	4.27%	6.51%	9.65%
Operating Income Growth %	40.21%	48.23%	37.31%	224.43%	-17.49%	5.67%	-75.51%	63.99%	55.38%
Pretax Income	5.01M▲ 0%	7.42M▲ 48.2%	10.19M▲ 37.3%	33.06M▲ 224.4%	27.28M▼ 17.5%	28.83M▲ 5.7%	7.06M▼ 75.5%	11.58M▲ 64.0%	17.07M▲ 47.5%
Pretax Margin %	8.29%	11.37%	13.25%	32.08%	27%	22.61%	4.27%	6.51%	9.16%
Income Tax	2.98M	1.77M	2.18M	8.53M	6.67M	7.13M	1.84M	3.11M	3.89M
Effective Tax Rate %	59.6%	23.92%	21.41%	25.8%	24.45%	24.73%	26%	26.82%	22.76%
Net Income	2.02M▲ 0%	5.65M▲ 179.1%	8.01M▲ 41.8%	24.53M▲ 206.3%	20.61M▼ 16.0%	21.7M▲ 5.3%	5.22M▼ 75.9%	8.47M▲ 62.2%	13.19M▲ 55.6%
Net Margin %	3.35%	8.65%	10.41%	23.81%	20.4%	17.02%	3.16%	4.77%	7.08%
Net Income Growth %	-12.12%	179.14%	41.83%	206.33%	-15.99%	5.28%	-75.92%	62.16%	55.65%
Net Income (Continuing)	2.02M	5.65M	8.01M	24.53M	20.61M	21.7M	5.22M	8.47M	13.19M
EPS (Diluted)	-0.05▲ 0%	0.63▲ 1434.7%	1.01▲ 60.3%	3.08▲ 205.0%	2.50▼ 18.8%	2.23▼ 10.8%	0.54▼ 75.8%	0.87▲ 61.1%	1.34▲ 54.0%
EPS Growth %	50.16%	1434.75%	60.32%	204.95%	-18.83%	-10.8%	-75.78%	61.11%	54.02%
EPS (Basic)	-0.05	0.64	1.02	3.11	2.58	2.29	0.55	0.88	1.36
Diluted Shares Outstanding	7.54M	6.75M	7.91M	7.96M	8.24M	9.71M	9.73M	9.77M	9.96M

MYFW Balance Sheet

First Western Financial, Inc. (MYFW) balance sheet — assets, liabilities & shareholders' equity

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash & Short Term Investments	63.15M	117.05M	137.54M	192.66M	441.7M	196.51M	254.44M	236.04M	55.36M
Cash & Due from Banks	9.5M	73.36M	78.64M	155.99M	385.49M	196.51M	254.44M	236.04M	9.76M
Short Term Investments	53.65M	43.7M	58.9M	36.67M	55.56M	0	0	0	45.61M
Total Investments	884.55M	947.53M	1.1B	1.72B	2.02B	2.55B	2.6B	2.51B	3.02B
Investments Growth %	14.31%	7.12%	16.25%	56.28%	17.6%	26.03%	1.74%	-3.12%	20.22%
Long-Term Investments	830.9M	903.84M	1.04B	1.68B	1.97B	2.55B	2.6B	2.51B	3.02B
Accounts Receivables	8.01M	7.34M	8.29M	11.48M	12.42M	15.32M	16.52M	15.13M	18.23M
Goodwill & Intangibles	26.04M	25.21M	19.71M	24.26M	31.9M	32.1M	31.85M	31.63M	31.42M
Goodwill	24.81M	24.81M	19.69M	24.19M	30.59M	30.4M	30.4M	30.4M	30.4M
Intangible Assets	1.23M	402K	28K	67K	1.31M	1.7M	1.45M	1.23M	1.02M
PP&E (Net)	6.78M	6.1M	5.22M	5.32M	23.98M	25.12M	25.26M	24.13M	25.69M
Other Assets	16.67M	19.09M	32.29M	47.77M	40.62M	37.61M	41.02M	88.8M	-3.02B
Total Current Assets	83.28M	125.78M	146.83M	205.56M	456.07M	213.8M	275.43M	256.88M	73.59M
Total Non-Current Assets	886.38M	958.54M	1.1B	1.77B	2.07B	2.65B	2.7B	2.66B	61.11M
Total Assets	969.66M▲ 0%	1.08B▲ 11.8%	1.25B▲ 15.4%	1.97B▲ 57.7%	2.53B▲ 28.1%	2.87B▲ 13.4%	2.98B▲ 3.8%	2.92B▼ 1.9%	3.15B▲ 8.1%
Asset Growth %	5.86%	11.83%	15.43%	57.68%	28.06%	13.42%	3.79%	-1.9%	8.08%
Return on Assets (ROA)	0.21%	0.55%	0.69%	1.52%	0.92%	0.8%	0.18%	0.29%	0.43%
Accounts Payable	197K	231K	299K	453K	355K	1.13M	3.79M	2M	1.29M
Total Debt	42M	21.56M	16.56M	173.85M	77.66M	199.02M	178.05M	109.6M	107.61M
Net Debt	32.5M	-51.8M	-62.08M	17.86M	-307.83M	2.51M	-76.39M	-126.44M	97.86M
Long-Term Debt	42M	21.56M	16.56M	173.85M	77.66M	199.02M	178.05M	109.6M	107.61M
Short-Term Debt	0	0	0	0	0	0	0	0	0
Other Liabilities	9.5M	7.9M	20.36M	24.48M	24.73M	20.51M	21.84M	40.91M	399.66M
Total Current Liabilities	816.31M	937.99M	1.09B	1.62B	2.21B	2.41B	2.53B	2.52B	2.38B
Total Non-Current Liabilities	51.5M	29.46M	36.92M	198.33M	102.39M	219.53M	199.89M	150.51M	507.27M
Total Liabilities	867.81M	967.45M	1.12B	1.82B	2.31B	2.63B	2.73B	2.67B	2.89B
Total Equity	101.85M▲ 0%	116.88M▲ 14.8%	127.68M▲ 9.2%	154.96M▲ 21.4%	219.04M▲ 41.4%	240.86M▲ 10.0%	242.74M▲ 0.8%	252.32M▲ 3.9%	265.56M▲ 5.2%
Equity Growth %	6.17%	14.76%	9.24%	21.37%	41.35%	9.96%	0.78%	3.95%	5.25%
Equity / Assets (Capital Ratio)	10.5%	10.78%	10.2%	7.85%	8.67%	8.4%	8.16%	8.64%	8.42%
Return on Equity (ROE)	2.05%	5.16%	6.55%	17.36%	11.02%	9.44%	2.16%	3.42%	5.09%
Book Value per Share	13.50	17.30	16.13	19.46	26.60	24.80	24.96	25.83	26.67
Tangible BV per Share	10.05	13.57	13.64	16.42	22.72	21.49	21.68	22.59	23.52
Common Stock	0	0	0	0	0	0	0	0	0
Additional Paid-in Capital	130.07M	141.36M	142.8M	144.7M	188.63M	190.49M	192.89M	193.59M	194.17M
Retained Earnings	-27.3M	-23.2M	-14.96M	9.58M	30.19M	51.89M	51.04M	59.52M	72.7M
Accumulated OCI	-928K	-1.28M	-164K	680K	223K	-1.52M	-1.2M	-778K	-1.31M
Treasury Stock	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0

MYFW Cash Flow Statement

First Western Financial, Inc. (MYFW) cash flow — operating, investing & free cash flow history

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash from Operations	-5.43M	17.8M	-21.51M	-93.32M	162.51M	48.28M	21.88M	-544K	-1.8M
Operating CF Growth %	-128.42%	427.81%	-220.86%	-333.78%	274.15%	-70.29%	-54.68%	-102.49%	-230.7%
Net Income	2.02M	5.65M	8.01M	24.53M	20.61M	21.7M	5.22M	8.47M	13.19M
Depreciation & Amortization	2.45M	2.22M	1.67M	1.12M	1.26M	2.01M	2.38M	2.56M	15K
Deferred Taxes	2.67M	1.81M	-1.22M	-1.3M	-668K	557K	2.06M	3.12M	-770K
Other Non-Cash Items	-13.66M	7.79M	-33.45M	-116.95M	136.14M	26.35M	13.61M	-15.24M	-8.72M
Working Capital Changes	-211K	-1.52M	1.18M	-3.26M	2.27M	-4.9M	-3.23M	-947K	-7.68M
Cash from Investing	-102.05M	-63.07M	-116.38M	-456.02M	-43.02M	-558.8M	-66.39M	66.44M	-264.44M
Purchase of Investments	-39.78M	-6.86M	-32.35M	-7.95M	-19.75M	-54.4M	-41.96M	-17.45M	-1.67M
Sale/Maturity of Investments	78.08M	18.85M	20.32M	28.64M	17.22M	22.11M	48.64M	17.36M	0
Net Investment Activity	38.31M	11.99M	-12.03M	20.69M	-2.53M	-32.29M	6.68M	-95K	-1.67M
Acquisitions	-1M	0	0	-61.32M	121M	0	0	0	0
Other Investing	-138.86M	-74.35M	-103.94M	-414.19M	-159.38M	-523.54M	-70.72M	67.75M	-262.76M
Cash from Financing	54.3M	109.13M	143.17M	626.69M	111.5M	320.05M	102.44M	-84.3M	228.58M
Dividends Paid	-2.29M	-1.38M	0	0	0	0	0	-463K	-576K
Share Repurchases	0	0	-743K	-377K	0	0	0	-89K	-784K
Stock Issued	5.25M	34.45M	0	0	1.71M	179K	245K	0	0
Net Stock Activity	5.25M	34.45M	-743K	-377K	1.71M	179K	245K	-89K	-784K
Debt Issuance (Net)	-1000K	-1000K	-1000K	1000K	-1000K	1000K	-1000K	-1000K	-1000K
Other Financing	62.22M	121.33M	148.92M	469.79M	206.06M	198.68M	123.37M	-15.07M	232.13M
Net Change in Cash	-53.18M▲ 0%	63.85M▲ 220.1%	5.28M▼ 91.7%	77.35M▲ 1364.7%	230.99M▲ 198.6%	-190.47M▼ 182.5%	57.93M▲ 130.4%	-18.4M▼ 131.8%	-37.66M▼ 104.7%
Exchange Rate Effect	0	0	0	0	0	0	0	0	0
Cash at Beginning	62.69M	9.5M	73.36M	78.64M	155.99M	386.98M	196.51M	254.44M	237.94M
Cash at End	9.5M	73.36M	78.64M	155.99M	386.98M	196.51M	254.44M	236.04M	200.28M
Interest Paid	5.62M	8.14M	12.92M	7.08M	5.51M	16.5M	71.78M	90.13M	0
Income Taxes Paid	275K	439K	2.48M	11.76M	6.34M	5.24M	2.91M	93K	0
Free Cash Flow	-5.93M▲ 0%	17.09M▲ 388.2%	-21.93M▼ 228.3%	-94.52M▼ 331.1%	160.41M▲ 269.7%	45.31M▼ 71.8%	19.53M▼ 56.9%	-1.76M▼ 109.0%	-5.77M▼ 228.3%
FCF Growth %	-134.31%	388.18%	-228.34%	-331.07%	269.7%	-71.75%	-56.89%	-109%	-228.34%

MYFW Banking Ratios

First Western Financial, Inc. (MYFW) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	2.4%	2.05%	5.16%	6.55%	17.36%	11.02%	9.44%	2.16%	3.42%	5.09%
Return on Assets (ROA)	0.25%	0.21%	0.55%	0.69%	1.52%	0.92%	0.8%	0.18%	0.29%	0.43%
Net Interest Margin	2.67%	2.84%	2.82%	2.56%	2.34%	2.24%	2.91%	2.37%	2.19%	2.38%
Efficiency Ratio	83.82%	80.87%	75.83%	68.99%	56.36%	66.42%	60.96%	44.45%	42.71%	42.82%
Equity / Assets	10.47%	10.5%	10.78%	10.2%	7.85%	8.67%	8.4%	8.16%	8.64%	8.42%
Book Value / Share	12.72	13.5	17.3	16.13	19.46	26.6	24.8	24.96	25.83	26.67
NII Growth	-	12.75%	11.05%	4.69%	43.79%	22.57%	47.84%	-15.63%	-9.4%	17.33%
Dividend Payout	-	-	-	-	-	-	-	-	5.46%	-

MYFW SEC Filings & Documents

First Western Financial, Inc. (MYFW) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

Apr 23, 2026·SEC

Material company update

Feb 24, 2026·SEC

Material company update

Jan 22, 2026·SEC

10-K Annual Reports

FY 2026

Feb 27, 2026·SEC

FY 2025

Mar 7, 2025·SEC

FY 2024

Mar 15, 2024·SEC

10-Q Quarterly Reports

FY 2025

Oct 31, 2025·SEC

FY 2025

Aug 1, 2025·SEC

FY 2025

May 7, 2025·SEC

MYFW Frequently Asked Questions

First Western Financial, Inc. (MYFW) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

First Western Financial, Inc. (MYFW) grew revenue by 4.8% over the past year. Growth has been modest.

Yes, First Western Financial, Inc. (MYFW) is profitable, generating $13.2M in net income for fiscal year 2025 (7.1% net margin).

Dividend & Returns

Yes, First Western Financial, Inc. (MYFW) pays a dividend with a yield of 0.19%. This makes it attractive for income-focused investors.

First Western Financial, Inc. (MYFW) has a return on equity (ROE) of 5.1%. This is below average, suggesting room for improvement.

Industry Metrics

First Western Financial, Inc. (MYFW) has a net interest margin (NIM) of 2.4%. NIM has been under pressure due to interest rate environment.

First Western Financial, Inc. (MYFW) has an efficiency ratio of 42.8%. This is excellent, indicating strong cost control.

What if you invested $1,000 in MYFW back in 2016?

Total return calculator · dividends reinvested · 10+ years of data

See returns →

How much would $100/month in MYFW be worth today?

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Quarter

Date

EPS (Act vs Est)

Revenue (Act vs Est)

Q2 2026Latest

Apr 23, 2026

$0.63vs $0.44+43.2%

$28Mvs $27M+4.3%

Q1 2026

Feb 27, 2026

$0.33

$48M

Q1 2026

Jan 22, 2026

$0.34vs $0.47-27.7%

$26Mvs $28M-6.4%

Q4 2025

Oct 23, 2025

$0.32vs $0.36-10.3%

$26Mvs $27M-2.1%

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Net Interest Income

27.58M

30.62M

32.06M

46.1M

56.51M

83.55M

70.48M

63.86M

74.93M

NII Growth %

12.75%

11.05%

4.69%

43.79%

22.57%

47.84%

-15.63%

-9.4%

17.33%

Net Interest Margin %

2.84%

2.82%

2.56%

2.34%

2.24%

2.91%

2.37%

2.19%

2.38%

Interest Income

33.34M

38.8M

45.05M

53.33M

61.92M

100.81M

144.94M

152.19M

159.35M

Interest Expense

5.76M

8.17M

12.99M

7.23M

5.42M

17.27M

74.45M

88.33M

84.42M

Loan Loss Provision

788K

180K

663K

4.68M

1.23M

3.68M

10.36M

1.93M

4.11M

Non-Interest Income

27.07M

26.46M

31.85M

49.73M

39.11M

26.7M

20.44M

25.58M

27M

Non-Interest Income %

44.81%

40.54%

41.42%

48.25%

38.71%

20.94%

12.36%

14.39%

14.49%

Total Revenue

60.41M▲ 0%

65.25M▲ 8.0%

76.9M▲ 17.8%

103.06M▲ 34.0%

101.04M▼ 2.0%

127.51M▲ 26.2%

165.38M▲ 29.7%

177.77M▲ 7.5%

186.35M▲ 4.8%

Revenue Growth %

1.62%

8.02%

17.85%

34.02%

-1.96%

26.2%

29.7%

7.49%

4.83%

Non-Interest Expense

48.85M

49.48M

53.05M

58.08M

67.11M

77.73M

73.51M

75.93M

79.79M

Efficiency Ratio

80.87%

75.83%

68.99%

56.36%

66.42%

60.96%

44.45%

42.71%

42.82%

Operating Income

5.01M▲ 0%

7.42M▲ 48.2%

10.19M▲ 37.3%

33.06M▲ 224.4%

27.28M▼ 17.5%

28.83M▲ 5.7%

7.06M▼ 75.5%

11.58M▲ 64.0%

17.99M▲ 55.4%

Operating Margin %

8.29%

11.37%

13.25%

32.08%

27%

22.61%

4.27%

6.51%

9.65%

Operating Income Growth %

40.21%

48.23%

37.31%

224.43%

-17.49%

5.67%

-75.51%

63.99%

55.38%

Pretax Income

5.01M▲ 0%

7.42M▲ 48.2%

10.19M▲ 37.3%

33.06M▲ 224.4%

27.28M▼ 17.5%

28.83M▲ 5.7%

7.06M▼ 75.5%

11.58M▲ 64.0%

17.07M▲ 47.5%

Pretax Margin %

8.29%

11.37%

13.25%

32.08%

27%

22.61%

4.27%

6.51%

9.16%

Income Tax

2.98M

1.77M

2.18M

8.53M

6.67M

7.13M

1.84M

3.11M

3.89M

Effective Tax Rate %

59.6%

23.92%

21.41%

25.8%

24.45%

24.73%

26%

26.82%

22.76%

Net Income

2.02M▲ 0%

5.65M▲ 179.1%

8.01M▲ 41.8%

24.53M▲ 206.3%

20.61M▼ 16.0%

21.7M▲ 5.3%

5.22M▼ 75.9%

8.47M▲ 62.2%

13.19M▲ 55.6%

Net Margin %

3.35%

8.65%

10.41%

23.81%

20.4%

17.02%

3.16%

4.77%

7.08%

Net Income Growth %

-12.12%

179.14%

41.83%

206.33%

-15.99%

5.28%

-75.92%

62.16%

55.65%

Net Income (Continuing)

2.02M

5.65M

8.01M

24.53M

20.61M

21.7M

5.22M

8.47M

13.19M

EPS (Diluted)

-0.05▲ 0%

0.63▲ 1434.7%

1.01▲ 60.3%

3.08▲ 205.0%

2.50▼ 18.8%

2.23▼ 10.8%

0.54▼ 75.8%

0.87▲ 61.1%

1.34▲ 54.0%

EPS Growth %

50.16%

1434.75%

60.32%

204.95%

-18.83%

-10.8%

-75.78%

61.11%

54.02%

EPS (Basic)

-0.05

0.64

1.02

3.11

2.58

2.29

0.55

0.88

1.36

Diluted Shares Outstanding

7.54M

6.75M

7.91M

7.96M

8.24M

9.71M

9.73M

9.77M

9.96M

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Cash & Short Term Investments

63.15M

117.05M

137.54M

192.66M

441.7M

196.51M

254.44M

236.04M

55.36M

Cash & Due from Banks

9.5M

73.36M

78.64M

155.99M

385.49M

196.51M

254.44M

236.04M

9.76M

Short Term Investments

53.65M

43.7M

58.9M

36.67M

55.56M

45.61M

Total Investments

884.55M

947.53M

1.1B

1.72B

2.02B

2.55B

2.6B

2.51B

3.02B

Investments Growth %

14.31%

7.12%

16.25%

56.28%

17.6%

26.03%

1.74%

-3.12%

20.22%

Long-Term Investments

830.9M

903.84M

1.04B

1.68B

1.97B

2.55B

2.6B

2.51B

3.02B

Accounts Receivables

8.01M

7.34M

8.29M

11.48M

12.42M

15.32M

16.52M

15.13M

18.23M

Goodwill & Intangibles

26.04M

25.21M

19.71M

24.26M

31.9M

32.1M

31.85M

31.63M

31.42M

Goodwill

24.81M

19.69M

24.19M

30.59M

30.4M

Intangible Assets

1.23M

402K

28K

67K

1.31M

1.7M

1.45M

1.23M

1.02M

PP&E (Net)

6.78M

6.1M

5.22M

5.32M

23.98M

25.12M

25.26M

24.13M

25.69M

Other Assets

16.67M

19.09M

32.29M

47.77M

40.62M

37.61M

41.02M

88.8M

-3.02B

Total Current Assets

83.28M

125.78M

146.83M

205.56M

456.07M

213.8M

275.43M

256.88M

73.59M

Total Non-Current Assets

886.38M

958.54M

1.1B

1.77B

2.07B

2.65B

2.7B

2.66B

61.11M

Total Assets

969.66M▲ 0%

1.08B▲ 11.8%

1.25B▲ 15.4%

1.97B▲ 57.7%

2.53B▲ 28.1%

2.87B▲ 13.4%

2.98B▲ 3.8%

2.92B▼ 1.9%

3.15B▲ 8.1%

Asset Growth %

5.86%

11.83%

15.43%

57.68%

28.06%

13.42%

3.79%

-1.9%

8.08%

Return on Assets (ROA)

0.21%

0.55%

0.69%

1.52%

0.92%

0.8%

0.18%

0.29%

0.43%

Accounts Payable

197K

231K

299K

453K

355K

1.13M

3.79M

1.29M

Total Debt

42M

21.56M

16.56M

173.85M

77.66M

199.02M

178.05M

109.6M

107.61M

Net Debt

32.5M

-51.8M

-62.08M

17.86M

-307.83M

2.51M

-76.39M

-126.44M

97.86M

Long-Term Debt

42M

21.56M

16.56M

173.85M

77.66M

199.02M

178.05M

109.6M

107.61M

Short-Term Debt

Other Liabilities

9.5M

7.9M

20.36M

24.48M

24.73M

20.51M

21.84M

40.91M

399.66M

Total Current Liabilities

816.31M

937.99M

1.09B

1.62B

2.21B

2.41B

2.53B

2.52B

2.38B

Total Non-Current Liabilities

51.5M

29.46M

36.92M

198.33M

102.39M

219.53M

199.89M

150.51M

507.27M

Total Liabilities

867.81M

967.45M

1.12B

1.82B

2.31B

2.63B

2.73B

2.67B

2.89B

Total Equity

101.85M▲ 0%

116.88M▲ 14.8%

127.68M▲ 9.2%

154.96M▲ 21.4%

219.04M▲ 41.4%

240.86M▲ 10.0%

242.74M▲ 0.8%

252.32M▲ 3.9%

265.56M▲ 5.2%

Equity Growth %

6.17%

14.76%

9.24%

21.37%

41.35%

9.96%

0.78%

3.95%

5.25%

Equity / Assets (Capital Ratio)

10.5%

10.78%

10.2%

7.85%

8.67%

8.4%

8.16%

8.64%

8.42%

Return on Equity (ROE)

2.05%

5.16%

6.55%

17.36%

11.02%

9.44%

2.16%

3.42%

5.09%

Book Value per Share

13.50

17.30

16.13

19.46

26.60

24.80

24.96

25.83

26.67

Tangible BV per Share

10.05

13.57

13.64

16.42

22.72

21.49

21.68

22.59

23.52

Common Stock

Additional Paid-in Capital

130.07M

141.36M

142.8M

144.7M

188.63M

190.49M

192.89M

193.59M

194.17M

Retained Earnings

-27.3M

-23.2M

-14.96M

9.58M

30.19M

51.89M

51.04M

59.52M

72.7M

Accumulated OCI

-928K

-1.28M

-164K

680K

223K

-1.52M

-1.2M

-778K

-1.31M

Treasury Stock

Preferred Stock

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Cash from Operations

-5.43M

17.8M

-21.51M

-93.32M

162.51M

48.28M

21.88M

-544K

-1.8M

Operating CF Growth %

-128.42%

427.81%

-220.86%

-333.78%

274.15%

-70.29%

-54.68%

-102.49%

-230.7%

Net Income

2.02M

5.65M

8.01M

24.53M

20.61M

21.7M

5.22M

8.47M

13.19M

Depreciation & Amortization

2.45M

2.22M

1.67M

1.12M

1.26M

2.01M

2.38M

2.56M

15K

Deferred Taxes

2.67M

1.81M

-1.22M

-1.3M

-668K

557K

2.06M

3.12M

-770K

Other Non-Cash Items

-13.66M

7.79M

-33.45M

-116.95M

136.14M

26.35M

13.61M

-15.24M

-8.72M

Working Capital Changes

-211K

-1.52M

1.18M

-3.26M

2.27M

-4.9M

-3.23M

-947K

-7.68M

Cash from Investing

-102.05M

-63.07M

-116.38M

-456.02M

-43.02M

-558.8M

-66.39M

66.44M

-264.44M

Purchase of Investments

-39.78M

-6.86M

-32.35M

-7.95M

-19.75M

-54.4M

-41.96M

-17.45M

-1.67M

Sale/Maturity of Investments

78.08M

18.85M

20.32M

28.64M

17.22M

22.11M

48.64M

17.36M

Net Investment Activity

38.31M

11.99M

-12.03M

20.69M

-2.53M

-32.29M

6.68M

-95K

-1.67M

Acquisitions

-1M

-61.32M

121M

Other Investing

-138.86M

-74.35M

-103.94M

-414.19M

-159.38M

-523.54M

-70.72M

67.75M

-262.76M

Cash from Financing

54.3M

109.13M

143.17M

626.69M

111.5M

320.05M

102.44M

-84.3M

228.58M

Dividends Paid

-2.29M

-1.38M

-463K

-576K

Share Repurchases

-743K

-377K

-89K

-784K

Stock Issued

5.25M

34.45M

1.71M

179K

245K

Net Stock Activity

5.25M

34.45M

-743K

-377K

1.71M

179K

245K

-89K

-784K

Debt Issuance (Net)

-1000K

1000K

-1000K

1000K

-1000K

Other Financing

62.22M

121.33M

148.92M

469.79M

206.06M

198.68M

123.37M

-15.07M

232.13M

Net Change in Cash

-53.18M▲ 0%

63.85M▲ 220.1%

5.28M▼ 91.7%

77.35M▲ 1364.7%

230.99M▲ 198.6%

-190.47M▼ 182.5%

57.93M▲ 130.4%

-18.4M▼ 131.8%

-37.66M▼ 104.7%

Exchange Rate Effect

Cash at Beginning

62.69M

9.5M

73.36M

78.64M

155.99M

386.98M

196.51M

254.44M

237.94M

Cash at End

9.5M

73.36M

78.64M

155.99M

386.98M

196.51M

254.44M

236.04M

200.28M

Interest Paid

5.62M

8.14M

12.92M

7.08M

5.51M

16.5M

71.78M

90.13M

Income Taxes Paid

275K

439K

2.48M

11.76M

6.34M

5.24M

2.91M

93K

Free Cash Flow

-5.93M▲ 0%

17.09M▲ 388.2%

-21.93M▼ 228.3%

-94.52M▼ 331.1%

160.41M▲ 269.7%

45.31M▼ 71.8%

19.53M▼ 56.9%

-1.76M▼ 109.0%

-5.77M▼ 228.3%

FCF Growth %

-134.31%

388.18%

-228.34%

-331.07%

269.7%

-71.75%

-56.89%

-109%

-228.34%

Metric

2016

2017

2018

2019

2020

2021

2022

2023

2024

2025

Return on Equity (ROE)

2.4%

2.05%

5.16%

6.55%

17.36%

11.02%

9.44%

2.16%

3.42%

5.09%

Return on Assets (ROA)

0.25%

0.21%

0.55%

0.69%

1.52%

0.92%

0.8%

0.18%

0.29%

0.43%

Net Interest Margin

2.67%

2.84%

2.82%

2.56%

2.34%

2.24%

2.91%

2.37%

2.19%

2.38%

Efficiency Ratio

83.82%

80.87%

75.83%

68.99%

56.36%

66.42%

60.96%

44.45%

42.71%

42.82%

Equity / Assets

10.47%

10.5%

10.78%

10.2%

7.85%

8.67%

8.4%

8.16%

8.64%

8.42%

Book Value / Share

12.72

13.5

17.3

16.13

19.46

26.6

24.8

24.96

25.83

26.67

NII Growth

12.75%

11.05%

4.69%

43.79%

22.57%

47.84%

-15.63%

-9.4%

17.33%

Dividend Payout

5.46%

First Western Financial, Inc.(MYFW)Earnings, Financials & Key Ratios

MYFW Key Insights

✓Strengths

✗Weaknesses

MYFW Price & Volume

MYFW Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

MYFW Recent Earnings

MYFW Peer Comparison

Compare MYFW vs Peers

vs NBTB

vs BLK

Compare Top 5

MYFW Income Statement

MYFW Balance Sheet

MYFW Cash Flow Statement

MYFW Banking Ratios

MYFW SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

MYFW Frequently Asked Questions

First Western Financial, Inc.(MYFW)Earnings, Financials & Key Ratios

MYFW Key Insights

✓Strengths

✗Weaknesses

MYFW Price & Volume

MYFW Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

MYFW Recent Earnings

MYFW Peer Comparison

Compare MYFW vs Peers

vs NBTB

vs BLK

Compare Top 5

MYFW Income Statement

MYFW Balance Sheet

MYFW Cash Flow Statement

MYFW Banking Ratios

MYFW SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

MYFW Frequently Asked Questions