First Western Financial, Inc. (MYFW) 10-Year Financial Performance & Capital Metrics

MYFW • • Banking & Credit

Financial ServicesRegional BanksDigital & Specialized BankingDigital Banking Platforms

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 $64M -9.4%
Total Revenue $178M +7.5%
Net Income $8M +62.2%
Return on Equity 3.42% +58.4%
Net Interest Margin 2.19% -7.6%
Efficiency Ratio 42.71% -3.9%
ROA 0.29% +60.7%
Equity / Assets 8.64% +6.0%
Book Value per Share 25.83 +3.5%
Tangible BV/Share 22.59 +4.2%
Debt/Equity 0.43 -40.8%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 42.7% efficiency ratio
✓Trading near 52-week high
✓Trading at only 1.0x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y18.25%

3Y20.72%

TTM-

Profit (Net Income) CAGR

10Y-

5Y1.13%

3Y-25.64%

TTM403.67%

EPS CAGR

10Y-

5Y-2.94%

3Y-29.66%

TTM396.15%

ROCE

10Y Avg5.49%

5Y Avg6.51%

3Y Avg3.89%

Latest2.74%

Peer Comparison

Digital Banking Platforms

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
GWREGuidewire Software, Inc.	14.12B	166.09	205.05	22.64%	7.23%	6%	2.09%	0.49
DAVEDave Inc.	2.34B	192.06	45.84	33.96%	29.87%	50.37%	5.33%	0.41
INTUIntuit Inc.	154.33B	554.58	40.57	15.63%	21.19%	21.31%	3.94%	0.34
CCBCoastal Financial Corporation	1.72B	113.69	34.98	30.92%	7.84%	10.04%	14.54%	0.12
SPNSSapiens International Corporation N.V.	2.43B	43.45	33.68	5.4%	11.4%	12.2%	2.97%	0.13
SSNCSS&C Technologies Holdings, Inc.	21B	86.05	28.68	6.89%	13.86%	12.2%	6.32%	1.09
TBBKThe Bancorp, Inc.	3.09B	70.39	16.41	16.11%	30.63%	29.28%	7.2%	0.16
CWANClearwater Analytics Holdings, Inc.	6.98B	24.19	14.40	22.72%	61.25%	19.6%	0.99%	0.07

Profit & Loss

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	24.46M	27.58M	30.62M	32.06M	46.1M	56.51M	83.55M	70.48M	63.86M
NII Growth %	-	0.13%	0.11%	0.05%	0.44%	0.23%	0.48%	-0.16%	-0.09%
Net Interest Margin %	-	-	-	-	-	-	-	-	-
Interest Income	29.52M	33.34M	38.8M	45.05M	53.33M	61.92M	100.09M	144.94M	152.19M
Interest Expense	5.06M	5.76M	8.17M	12.99M	7.23M	5.42M	17.27M	74.45M	88.33M
Loan Loss Provision	985K	788K	180K	663K	4.68M	1.23M	3.68M	10.36M	1.93M
Non-Interest Income+	29.92M	27.07M	26.46M	31.85M	49.73M	39.11M	27.42M	20.44M	25.58M
Non-Interest Income %	-	-	-	-	-	-	-	-	-
Total Revenue+	59.44M	60.41M	65.25M	76.9M	103.06M	101.04M	127.51M	165.38M	177.77M
Revenue Growth %	-	0.02%	0.08%	0.18%	0.34%	-0.02%	0.26%	0.3%	0.07%
Non-Interest Expense	49.82M	48.85M	49.48M	53.05M	58.08M	67.11M	77.73M	73.51M	75.93M
Efficiency Ratio	-	-	-	-	-	-	-	-	-
Operating Income+	3.57M	5.01M	7.42M	10.19M	33.06M	27.28M	28.83M	7.06M	11.58M
Operating Margin %	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-	0.4%	0.48%	0.37%	2.24%	-0.17%	0.06%	-0.76%	0.64%
Pretax Income+	3.57M	5.01M	7.42M	10.19M	33.06M	27.28M	28.83M	7.06M	11.58M
Pretax Margin %	-	-	-	-	-	-	-	-	-
Income Tax+	1.27M	2.98M	1.77M	2.18M	8.53M	6.67M	7.13M	1.84M	3.11M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-
Net Income+	2.3M	2.02M	5.65M	8.01M	24.53M	20.61M	21.7M	5.22M	8.47M
Net Margin %	-	-	-	-	-	-	-	-	-
Net Income Growth %	-	-0.12%	1.79%	0.42%	2.06%	-0.16%	0.05%	-0.76%	0.62%
Net Income (Continuing)	2.3M	2.02M	5.65M	8.01M	24.53M	20.61M	21.7M	5.22M	8.47M
EPS (Diluted)+	-0.09	-0.05	0.63	1.01	3.08	2.50	2.23	0.54	0.87
EPS Growth %	-	0.5%	14.35%	0.6%	2.05%	-0.19%	-0.11%	-0.76%	0.61%
EPS (Basic)	-0.09	-0.05	0.64	1.02	3.11	2.58	2.29	0.55	0.88
Diluted Shares Outstanding	7.54M	7.54M	6.75M	7.91M	7.96M	8.24M	9.71M	9.73M	9.77M

Balance Sheet

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	62.69M	9.5M	73.36M	78.64M	155.99M	385.49M	196.51M	254.44M	236.04M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	0	0	0
Total Investments+	773.81M	884.55M	947.53M	1.1B	1.72B	2.02B	2.55B	2.6B	2.51B
Investments Growth %	-	0.14%	0.07%	0.16%	0.56%	0.18%	0.26%	0.02%	-0.03%
Long-Term Investments	676.16M	830.9M	903.84M	1.04B	1.68B	1.97B	2.55B	2.6B	2.51B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-
Goodwill	24.81M	24.81M	24.81M	19.69M	24.19M	30.59M	30.4M	30.4M	30.4M
Intangible Assets	1.45M	1.23M	402K	28K	67K	1.31M	1.7M	1.45M	1.23M
PP&E (Net)	8M	6.78M	6.1M	5.22M	5.32M	23.98M	25.12M	25.26M	24.13M
Other Assets	18.24M	16.67M	19.09M	32.29M	47.77M	40.62M	37.61M	41.02M	88.8M
Total Current Assets	178.34M	83.28M	125.78M	146.83M	205.56M	456.07M	213.8M	275.43M	256.88M
Total Non-Current Assets	737.66M	886.38M	958.54M	1.1B	1.77B	2.07B	2.65B	2.71B	2.66B
Total Assets+	916M	969.66M	1.08B	1.25B	1.97B	2.53B	2.87B	2.98B	2.92B
Asset Growth %	-	0.06%	0.12%	0.15%	0.58%	0.28%	0.13%	0.04%	-0.02%
Return on Assets (ROA)	0%	0%	0.01%	0.01%	0.02%	0.01%	0.01%	0%	0%
Accounts Payable	160K	197K	231K	299K	453K	355K	1.13M	3.79M	2M
Total Debt+	57.63M	42M	21.56M	16.56M	173.85M	77.66M	199.02M	178.05M	109.6M
Net Debt	-5.05M	32.5M	-51.8M	-62.08M	17.86M	-307.83M	2.51M	-76.39M	-126.44M
Long-Term Debt	57.63M	42M	21.56M	16.56M	173.85M	77.66M	199.02M	178.05M	109.6M
Short-Term Debt	0	0	0	0	0	0	0	0	0
Other Liabilities	8.38M	9.5M	7.9M	20.36M	24.48M	24.73M	20.51M	21.84M	40.91M
Total Current Liabilities	754.06M	816.31M	937.99M	1.09B	1.62B	2.21B	2.41B	2.53B	2.52B
Total Non-Current Liabilities	66.01M	51.5M	29.46M	36.92M	198.33M	102.39M	219.53M	199.89M	150.51M
Total Liabilities	820.07M	867.81M	967.45M	1.12B	1.82B	2.31B	2.63B	2.73B	2.67B
Total Equity+	95.93M	101.85M	116.88M	127.68M	154.96M	219.04M	240.86M	242.74M	252.32M
Equity Growth %	-	0.06%	0.15%	0.09%	0.21%	0.41%	0.1%	0.01%	0.04%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.02%	0.02%	0.05%	0.07%	0.17%	0.11%	0.09%	0.02%	0.03%
Book Value per Share	12.72	13.50	17.30	16.13	19.46	26.60	24.80	24.96	25.83
Tangible BV per Share	-	-	-	-	-	-	-	-	-
Common Stock	0	0	0	0	0	0	0	0	0
Additional Paid-in Capital	123.75M	130.07M	141.36M	142.8M	144.7M	188.63M	190.49M	192.89M	193.59M
Retained Earnings	-27.03M	-27.3M	-23.2M	-14.96M	9.58M	30.19M	51.89M	51.04M	59.52M
Accumulated OCI	-799K	-928K	-1.28M	-164K	680K	223K	-1.52M	-1.2M	-778K
Treasury Stock	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	19.11M	-5.43M	17.8M	-21.51M	-93.32M	162.51M	48.28M	21.88M	-544K
Operating CF Growth %	-	-1.28%	4.28%	-2.21%	-3.34%	2.74%	-0.7%	-0.55%	-1.02%
Net Income	2.3M	2.02M	5.65M	8.01M	24.53M	20.61M	21.7M	5.22M	8.47M
Depreciation & Amortization	2.42M	2.45M	2.22M	1.67M	1.12M	1.26M	2.01M	2.38M	2.56M
Deferred Taxes	1.31M	2.67M	1.81M	-1.22M	-1.3M	-668K	557K	2.06M	3.12M
Other Non-Cash Items	12.95M	-13.66M	7.79M	-33.45M	-116.95M	136.14M	26.35M	13.61M	-15.24M
Working Capital Changes	-898K	-211K	-1.52M	1.18M	-3.26M	2.27M	-4.9M	-3.23M	-947K
Cash from Investing+	-96.04M	-102.05M	-63.07M	-116.38M	-456.02M	-43.02M	-558.8M	-66.39M	66.44M
Purchase of Investments	-63.15M	-39.78M	-6.86M	-32.35M	-7.95M	-19.75M	-54.4M	-41.96M	-17.45M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-
Acquisitions	0	-1M	0	0	-61.32M	121M	0	0	0
Other Investing	-60.25M	-138.86M	-74.35M	-103.94M	-414.19M	-159.38M	-523.54M	-70.72M	67.75M
Cash from Financing+	59.98M	54.3M	109.13M	143.17M	626.69M	111.5M	320.05M	102.44M	-84.3M
Dividends Paid	-2.84M	-2.29M	-1.38M	0	0	0	0	0	-463K
Share Repurchases	0	0	0	-743K	-377K	0	0	0	-89K
Stock Issued	2.5M	5.25M	34.45M	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	-1000K	-1000K	1000K	-1000K	1000K	-1000K	-1000K
Other Financing	44M	62.22M	121.33M	148.92M	469.79M	207.77M	198.86M	123.62M	-15.07M
Net Change in Cash+	-16.95M	-53.18M	63.85M	5.28M	77.35M	230.99M	-190.47M	57.93M	-18.4M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0
Cash at Beginning	79.64M	62.69M	9.5M	73.36M	78.64M	155.99M	386.98M	196.51M	254.44M
Cash at End	62.69M	9.5M	73.36M	78.64M	155.99M	386.98M	196.51M	254.44M	236.04M
Interest Paid	4.29M	5.62M	8.14M	12.92M	7.08M	5.51M	16.5M	71.78M	90.13M
Income Taxes Paid	202K	275K	439K	2.48M	11.76M	6.34M	5.24M	2.91M	93K
Free Cash Flow+	17.28M	-5.93M	17.09M	-21.93M	-94.52M	160.41M	45.31M	19.53M	-1.76M
FCF Growth %	-	-1.34%	3.88%	-2.28%	-3.31%	2.7%	-0.72%	-0.57%	-1.09%

Banking Ratios

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

Revenue by Segment

	2018	2019	2020	2021	2022	2023	2024
Wealth Management	49.64M	50.15M	63.26M	79.31M	102.62M	79.08M	84.03M
Wealth Management Growth	-	1.02%	26.14%	25.38%	29.39%	-22.93%	6.25%
Mortgage	4.63M	10.68M	29.34M	16.12M	5.32M	3.62M	6.04M
Mortgage Growth	-	130.71%	174.89%	-45.07%	-67.01%	-32.00%	67.15%
Capital Management	3.35M	3.15M	-	-	-	-	-
Capital Management Growth	-	-5.85%	-	-	-	-	-

Frequently Asked Questions

Valuation & Price

First Western Financial, Inc. (MYFW) has a price-to-earnings (P/E) ratio of 30.7x. This suggests investors expect higher future growth.

Growth & Financials

First Western Financial, Inc. (MYFW) grew revenue by 7.5% over the past year. This is steady growth.

Yes, First Western Financial, Inc. (MYFW) is profitable, generating $12.6M in net income for fiscal year 2024 (4.8% net margin).

Dividend & Returns

Yes, First Western Financial, Inc. (MYFW) pays a dividend with a yield of 0.18%. This makes it attractive for income-focused investors.

First Western Financial, Inc. (MYFW) has a return on equity (ROE) of 3.4%. This is below average, suggesting room for improvement.

Industry Metrics

First Western Financial, Inc. (MYFW) has a net interest margin (NIM) of 2.2%. NIM has been under pressure due to interest rate environment.

First Western Financial, Inc. (MYFW) has an efficiency ratio of 42.7%. This is excellent, indicating strong cost control.

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First Western Financial, Inc. (MYFW) 10-Year Financial Performance & Capital Metrics

MYFW • • Banking & Credit

Financial ServicesRegional BanksDigital & Specialized BankingDigital Banking Platforms

Net Interest Income $64M -9.4%
Total Revenue $178M +7.5%
Net Income $8M +62.2%
Return on Equity 3.42% +58.4%
Net Interest Margin 2.19% -7.6%
Efficiency Ratio 42.71% -3.9%
ROA 0.29% +60.7%
Equity / Assets 8.64% +6.0%
Book Value per Share 25.83 +3.5%
Tangible BV/Share 22.59 +4.2%
Debt/Equity 0.43 -40.8%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 42.7% efficiency ratio
✓Trading near 52-week high
✓Trading at only 1.0x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y18.25%

3Y20.72%

TTM-

Profit (Net Income) CAGR

10Y-

5Y1.13%

3Y-25.64%

TTM403.67%

EPS CAGR

10Y-

5Y-2.94%

3Y-29.66%

TTM396.15%

ROCE

10Y Avg5.49%

5Y Avg6.51%

3Y Avg3.89%

Latest2.74%

Peer Comparison

Digital Banking Platforms

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
GWREGuidewire Software, Inc.	14.12B	166.09	205.05	22.64%	7.23%	6%	2.09%	0.49
DAVEDave Inc.	2.34B	192.06	45.84	33.96%	29.87%	50.37%	5.33%	0.41
INTUIntuit Inc.	154.33B	554.58	40.57	15.63%	21.19%	21.31%	3.94%	0.34
CCBCoastal Financial Corporation	1.72B	113.69	34.98	30.92%	7.84%	10.04%	14.54%	0.12
SPNSSapiens International Corporation N.V.	2.43B	43.45	33.68	5.4%	11.4%	12.2%	2.97%	0.13
SSNCSS&C Technologies Holdings, Inc.	21B	86.05	28.68	6.89%	13.86%	12.2%	6.32%	1.09
TBBKThe Bancorp, Inc.	3.09B	70.39	16.41	16.11%	30.63%	29.28%	7.2%	0.16
CWANClearwater Analytics Holdings, Inc.	6.98B	24.19	14.40	22.72%	61.25%	19.6%	0.99%	0.07

Profit & Loss

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	24.46M	27.58M	30.62M	32.06M	46.1M	56.51M	83.55M	70.48M	63.86M
NII Growth %	-	0.13%	0.11%	0.05%	0.44%	0.23%	0.48%	-0.16%	-0.09%
Net Interest Margin %	-	-	-	-	-	-	-	-	-
Interest Income	29.52M	33.34M	38.8M	45.05M	53.33M	61.92M	100.09M	144.94M	152.19M
Interest Expense	5.06M	5.76M	8.17M	12.99M	7.23M	5.42M	17.27M	74.45M	88.33M
Loan Loss Provision	985K	788K	180K	663K	4.68M	1.23M	3.68M	10.36M	1.93M
Non-Interest Income+	29.92M	27.07M	26.46M	31.85M	49.73M	39.11M	27.42M	20.44M	25.58M
Non-Interest Income %	-	-	-	-	-	-	-	-	-
Total Revenue+	59.44M	60.41M	65.25M	76.9M	103.06M	101.04M	127.51M	165.38M	177.77M
Revenue Growth %	-	0.02%	0.08%	0.18%	0.34%	-0.02%	0.26%	0.3%	0.07%
Non-Interest Expense	49.82M	48.85M	49.48M	53.05M	58.08M	67.11M	77.73M	73.51M	75.93M
Efficiency Ratio	-	-	-	-	-	-	-	-	-
Operating Income+	3.57M	5.01M	7.42M	10.19M	33.06M	27.28M	28.83M	7.06M	11.58M
Operating Margin %	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-	0.4%	0.48%	0.37%	2.24%	-0.17%	0.06%	-0.76%	0.64%
Pretax Income+	3.57M	5.01M	7.42M	10.19M	33.06M	27.28M	28.83M	7.06M	11.58M
Pretax Margin %	-	-	-	-	-	-	-	-	-
Income Tax+	1.27M	2.98M	1.77M	2.18M	8.53M	6.67M	7.13M	1.84M	3.11M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-
Net Income+	2.3M	2.02M	5.65M	8.01M	24.53M	20.61M	21.7M	5.22M	8.47M
Net Margin %	-	-	-	-	-	-	-	-	-
Net Income Growth %	-	-0.12%	1.79%	0.42%	2.06%	-0.16%	0.05%	-0.76%	0.62%
Net Income (Continuing)	2.3M	2.02M	5.65M	8.01M	24.53M	20.61M	21.7M	5.22M	8.47M
EPS (Diluted)+	-0.09	-0.05	0.63	1.01	3.08	2.50	2.23	0.54	0.87
EPS Growth %	-	0.5%	14.35%	0.6%	2.05%	-0.19%	-0.11%	-0.76%	0.61%
EPS (Basic)	-0.09	-0.05	0.64	1.02	3.11	2.58	2.29	0.55	0.88
Diluted Shares Outstanding	7.54M	7.54M	6.75M	7.91M	7.96M	8.24M	9.71M	9.73M	9.77M

Balance Sheet

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	62.69M	9.5M	73.36M	78.64M	155.99M	385.49M	196.51M	254.44M	236.04M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	0	0	0
Total Investments+	773.81M	884.55M	947.53M	1.1B	1.72B	2.02B	2.55B	2.6B	2.51B
Investments Growth %	-	0.14%	0.07%	0.16%	0.56%	0.18%	0.26%	0.02%	-0.03%
Long-Term Investments	676.16M	830.9M	903.84M	1.04B	1.68B	1.97B	2.55B	2.6B	2.51B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-
Goodwill	24.81M	24.81M	24.81M	19.69M	24.19M	30.59M	30.4M	30.4M	30.4M
Intangible Assets	1.45M	1.23M	402K	28K	67K	1.31M	1.7M	1.45M	1.23M
PP&E (Net)	8M	6.78M	6.1M	5.22M	5.32M	23.98M	25.12M	25.26M	24.13M
Other Assets	18.24M	16.67M	19.09M	32.29M	47.77M	40.62M	37.61M	41.02M	88.8M
Total Current Assets	178.34M	83.28M	125.78M	146.83M	205.56M	456.07M	213.8M	275.43M	256.88M
Total Non-Current Assets	737.66M	886.38M	958.54M	1.1B	1.77B	2.07B	2.65B	2.71B	2.66B
Total Assets+	916M	969.66M	1.08B	1.25B	1.97B	2.53B	2.87B	2.98B	2.92B
Asset Growth %	-	0.06%	0.12%	0.15%	0.58%	0.28%	0.13%	0.04%	-0.02%
Return on Assets (ROA)	0%	0%	0.01%	0.01%	0.02%	0.01%	0.01%	0%	0%
Accounts Payable	160K	197K	231K	299K	453K	355K	1.13M	3.79M	2M
Total Debt+	57.63M	42M	21.56M	16.56M	173.85M	77.66M	199.02M	178.05M	109.6M
Net Debt	-5.05M	32.5M	-51.8M	-62.08M	17.86M	-307.83M	2.51M	-76.39M	-126.44M
Long-Term Debt	57.63M	42M	21.56M	16.56M	173.85M	77.66M	199.02M	178.05M	109.6M
Short-Term Debt	0	0	0	0	0	0	0	0	0
Other Liabilities	8.38M	9.5M	7.9M	20.36M	24.48M	24.73M	20.51M	21.84M	40.91M
Total Current Liabilities	754.06M	816.31M	937.99M	1.09B	1.62B	2.21B	2.41B	2.53B	2.52B
Total Non-Current Liabilities	66.01M	51.5M	29.46M	36.92M	198.33M	102.39M	219.53M	199.89M	150.51M
Total Liabilities	820.07M	867.81M	967.45M	1.12B	1.82B	2.31B	2.63B	2.73B	2.67B
Total Equity+	95.93M	101.85M	116.88M	127.68M	154.96M	219.04M	240.86M	242.74M	252.32M
Equity Growth %	-	0.06%	0.15%	0.09%	0.21%	0.41%	0.1%	0.01%	0.04%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.02%	0.02%	0.05%	0.07%	0.17%	0.11%	0.09%	0.02%	0.03%
Book Value per Share	12.72	13.50	17.30	16.13	19.46	26.60	24.80	24.96	25.83
Tangible BV per Share	-	-	-	-	-	-	-	-	-
Common Stock	0	0	0	0	0	0	0	0	0
Additional Paid-in Capital	123.75M	130.07M	141.36M	142.8M	144.7M	188.63M	190.49M	192.89M	193.59M
Retained Earnings	-27.03M	-27.3M	-23.2M	-14.96M	9.58M	30.19M	51.89M	51.04M	59.52M
Accumulated OCI	-799K	-928K	-1.28M	-164K	680K	223K	-1.52M	-1.2M	-778K
Treasury Stock	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	19.11M	-5.43M	17.8M	-21.51M	-93.32M	162.51M	48.28M	21.88M	-544K
Operating CF Growth %	-	-1.28%	4.28%	-2.21%	-3.34%	2.74%	-0.7%	-0.55%	-1.02%
Net Income	2.3M	2.02M	5.65M	8.01M	24.53M	20.61M	21.7M	5.22M	8.47M
Depreciation & Amortization	2.42M	2.45M	2.22M	1.67M	1.12M	1.26M	2.01M	2.38M	2.56M
Deferred Taxes	1.31M	2.67M	1.81M	-1.22M	-1.3M	-668K	557K	2.06M	3.12M
Other Non-Cash Items	12.95M	-13.66M	7.79M	-33.45M	-116.95M	136.14M	26.35M	13.61M	-15.24M
Working Capital Changes	-898K	-211K	-1.52M	1.18M	-3.26M	2.27M	-4.9M	-3.23M	-947K
Cash from Investing+	-96.04M	-102.05M	-63.07M	-116.38M	-456.02M	-43.02M	-558.8M	-66.39M	66.44M
Purchase of Investments	-63.15M	-39.78M	-6.86M	-32.35M	-7.95M	-19.75M	-54.4M	-41.96M	-17.45M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-
Acquisitions	0	-1M	0	0	-61.32M	121M	0	0	0
Other Investing	-60.25M	-138.86M	-74.35M	-103.94M	-414.19M	-159.38M	-523.54M	-70.72M	67.75M
Cash from Financing+	59.98M	54.3M	109.13M	143.17M	626.69M	111.5M	320.05M	102.44M	-84.3M
Dividends Paid	-2.84M	-2.29M	-1.38M	0	0	0	0	0	-463K
Share Repurchases	0	0	0	-743K	-377K	0	0	0	-89K
Stock Issued	2.5M	5.25M	34.45M	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	-1000K	-1000K	1000K	-1000K	1000K	-1000K	-1000K
Other Financing	44M	62.22M	121.33M	148.92M	469.79M	207.77M	198.86M	123.62M	-15.07M
Net Change in Cash+	-16.95M	-53.18M	63.85M	5.28M	77.35M	230.99M	-190.47M	57.93M	-18.4M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0
Cash at Beginning	79.64M	62.69M	9.5M	73.36M	78.64M	155.99M	386.98M	196.51M	254.44M
Cash at End	62.69M	9.5M	73.36M	78.64M	155.99M	386.98M	196.51M	254.44M	236.04M
Interest Paid	4.29M	5.62M	8.14M	12.92M	7.08M	5.51M	16.5M	71.78M	90.13M
Income Taxes Paid	202K	275K	439K	2.48M	11.76M	6.34M	5.24M	2.91M	93K
Free Cash Flow+	17.28M	-5.93M	17.09M	-21.93M	-94.52M	160.41M	45.31M	19.53M	-1.76M
FCF Growth %	-	-1.34%	3.88%	-2.28%	-3.31%	2.7%	-0.72%	-0.57%	-1.09%

Banking Ratios

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

Revenue by Segment

	2018	2019	2020	2021	2022	2023	2024
Wealth Management	49.64M	50.15M	63.26M	79.31M	102.62M	79.08M	84.03M
Wealth Management Growth	-	1.02%	26.14%	25.38%	29.39%	-22.93%	6.25%
Mortgage	4.63M	10.68M	29.34M	16.12M	5.32M	3.62M	6.04M
Mortgage Growth	-	130.71%	174.89%	-45.07%	-67.01%	-32.00%	67.15%
Capital Management	3.35M	3.15M	-	-	-	-	-
Capital Management Growth	-	-5.85%	-	-	-	-	-

Frequently Asked Questions

Valuation & Price

First Western Financial, Inc. (MYFW) has a price-to-earnings (P/E) ratio of 30.7x. This suggests investors expect higher future growth.

Growth & Financials

First Western Financial, Inc. (MYFW) grew revenue by 7.5% over the past year. This is steady growth.

Yes, First Western Financial, Inc. (MYFW) is profitable, generating $12.6M in net income for fiscal year 2024 (4.8% net margin).

Dividend & Returns

Yes, First Western Financial, Inc. (MYFW) pays a dividend with a yield of 0.18%. This makes it attractive for income-focused investors.

First Western Financial, Inc. (MYFW) has a return on equity (ROE) of 3.4%. This is below average, suggesting room for improvement.

Industry Metrics

First Western Financial, Inc. (MYFW) has a net interest margin (NIM) of 2.2%. NIM has been under pressure due to interest rate environment.

First Western Financial, Inc. (MYFW) has an efficiency ratio of 42.7%. This is excellent, indicating strong cost control.