First Western Financial, Inc. (MYFW) Financial Ratios
10 years of historical data (2016–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
19.70
↑+79% vs avg
5yr avg: 11.01
30Y Low2.8·High18.2
P/FCF
↑
N/A
—
5yr avg: 5.82
30Y Low1.6·High9.9
P/B Ratio
↓
1.14
+18% vs avg
5yr avg: 0.97
30Y Low0.7·High1.1
ROE
↓
5.1%
-18% vs avg
5yr avg: 6.2%
30Y Low2%·High17%
Debt/EBITDA
↑
5.37
↓-35% vs avg
5yr avg: 8.23
30Y Low1.4·High18.9
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
MYFW Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
First Western Financial, Inc. trades at 22.8x earnings, 10% above its 5-year average of 20.8x, sitting at the 88th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.9x, the stock trades at a premium of 64%.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $297M | $267M | $191M | $193M | $273M | $250M | $156M | $130M | $79M | — | — |
| Enterprise Value | $395M | $365M | $65M | $116M | $276M | $-57811996 | $174M | $68M | $27M | — | — |
| P/E Ratio → | 22.78 | 20.01 | 22.47 | 36.72 | 12.62 | 12.14 | 6.35 | 16.31 | 18.59 | — | — |
| P/S Ratio | 1.59 | 1.43 | 1.07 | 1.17 | 2.14 | 2.47 | 1.51 | 1.70 | 1.21 | — | — |
| P/B Ratio | 1.14 | 1.01 | 0.76 | 0.79 | 1.14 | 1.14 | 1.01 | 1.02 | 0.68 | — | — |
| P/FCF | — | — | — | 9.87 | 6.03 | 1.56 | — | — | 4.63 | — | — |
| P/OCF | — | — | — | 8.81 | 5.66 | 1.54 | — | — | 4.44 | — | — |
P/E links to full P/E history page with 30-year chart
MYFW EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
First Western Financial, Inc.'s enterprise value stands at 19.7x EBITDA, 79% above its 5-year average of 11.0x. The Financial Services sector median is 11.5x, placing the stock at a 71% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.96 | 0.36 | 0.70 | 2.16 | -0.57 | 1.69 | 0.89 | 0.42 | — | — |
| EV / EBITDA | 19.70 | 18.19 | 4.57 | 12.34 | 8.95 | -2.03 | 5.08 | 5.75 | 2.83 | — | — |
| EV / EBIT | 21.96 | 20.28 | 5.58 | 16.50 | 9.57 | -2.12 | 5.25 | 6.70 | 3.68 | — | — |
| EV / FCF | — | — | — | 5.96 | 6.09 | -0.36 | — | — | 1.60 | — | — |
MYFW Profitability
Margins and return-on-capital ratios measuring operating efficiency
First Western Financial, Inc. earns an operating margin of 9.7%, below the Financial Services sector average of 20.2%. Operating margins have expanded from 4.3% to 9.7% over the past 3 years, signaling improving operational efficiency. ROE of 5.1% is modest, trailing the sector median of 9.0%. ROIC of 3.7% represents below-average returns on invested capital versus a sector median of 5.4%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 52.5% | 52.5% | 49.2% | 48.7% | 83.6% | 93.4% | 88.4% | 82.2% | 87.2% | 89.2% | 89.8% |
| Operating Margin | 9.7% | 9.7% | 6.5% | 4.3% | 22.6% | 27.0% | 32.1% | 13.3% | 11.4% | 8.3% | 6.0% |
| Net Profit Margin | 7.1% | 7.1% | 4.8% | 3.2% | 17.0% | 20.4% | 23.8% | 10.4% | 8.7% | 3.3% | 3.9% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 5.1% | 5.1% | 3.4% | 2.2% | 9.4% | 11.0% | 17.4% | 6.5% | 5.2% | 2.0% | 2.4% |
| ROA | 0.4% | 0.4% | 0.3% | 0.2% | 0.8% | 0.9% | 1.5% | 0.7% | 0.5% | 0.2% | 0.3% |
| ROIC | 3.7% | 3.7% | 2.2% | 1.2% | 5.9% | 6.5% | 10.5% | 5.4% | 3.9% | 2.5% | 1.7% |
| ROCE | 3.1% | 3.1% | 2.7% | 1.6% | 7.4% | 8.1% | 12.8% | 6.6% | 5.0% | 3.2% | 2.2% |
MYFW Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
First Western Financial, Inc. carries a Debt/EBITDA ratio of 5.4x, which is highly leveraged (26% above the sector average of 4.3x). Net debt stands at $98M ($108M total debt minus $10M cash). Interest coverage of just 0.2x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.41 | 0.41 | 0.43 | 0.73 | 0.83 | 0.35 | 1.12 | 0.13 | 0.18 | 0.41 | 0.60 |
| Debt / EBITDA | 5.37 | 5.37 | 7.75 | 18.87 | 6.45 | 2.72 | 5.09 | 1.40 | 2.24 | 5.63 | 9.58 |
| Net Debt / Equity | — | 0.37 | -0.50 | -0.31 | 0.01 | -1.41 | 0.12 | -0.49 | -0.44 | 0.32 | -0.05 |
| Net Debt / EBITDA | 4.88 | 4.88 | -8.94 | -8.09 | 0.08 | -10.79 | 0.52 | -5.23 | -5.37 | 4.36 | -0.84 |
| Debt / FCF | — | — | — | -3.91 | 0.06 | -1.92 | — | — | -3.03 | — | -0.29 |
| Interest Coverage | 0.21 | 0.21 | 0.13 | 0.09 | 1.67 | 5.04 | 4.57 | 0.78 | 0.91 | 0.87 | 0.71 |
MYFW Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.03x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.11x to 0.03x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.03 | 0.03 | 0.10 | 0.11 | 0.09 | 0.21 | 0.13 | 0.14 | 0.13 | 0.10 | 0.24 |
| Quick Ratio | 0.03 | 0.03 | 0.10 | 0.11 | 0.09 | 0.21 | 0.13 | 0.14 | 0.13 | 0.10 | 0.24 |
| Cash Ratio | 0.00 | 0.00 | 0.09 | 0.10 | 0.08 | 0.17 | 0.10 | 0.07 | 0.08 | 0.01 | 0.08 |
| Asset Turnover | — | 0.06 | 0.06 | 0.06 | 0.04 | 0.04 | 0.05 | 0.06 | 0.06 | 0.06 | 0.06 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
MYFW Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
First Western Financial, Inc. returns 0.5% to shareholders annually — split between a 0.2% dividend yield and 0.3% buyback yield. The earnings yield of 4.4% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.2% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | 5.5% | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 4.4% | 5.0% | 4.5% | 2.7% | 7.9% | 8.2% | 15.7% | 6.1% | 5.4% | — | — |
| FCF Yield | — | — | — | 10.1% | 16.6% | 64.2% | — | — | 21.6% | — | — |
| Buyback Yield | 0.3% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 0.5% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $10M | $10M | $10M | $10M | $8M | $8M | $8M | $7M | $8M | $8M |
Peer Comparison
Compare MYFW with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 MYFWYou | $297M | 22.8 | 19.7 | — | 52.5% | 9.7% | 5.1% | 3.7% | 5.4 |
 NBTB | $3B | 14.5 | 11.0 | 11.5 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 CVBF | $3B | 14.0 | 13.4 | 13.3 | 79.9% | 43.8% | 9.3% | 6.8% | 3.5 |
 BOKF | $8B | 14.7 | 14.1 | 14.2 | 63.7% | 21.4% | 10.1% | 5.2% | 5.8 |
 SFNC | $3B | -7.6 | — | 7.7 | 5.8% | -84.2% | -11.4% | -9.1% | — |
 GBCI | $6B | 25.1 | 24.9 | 18.7 | 69.0% | 22.9% | 6.4% | 3.5% | 7.9 |
 INDB | $4B | 18.7 | 15.6 | 17.2 | 67.9% | 22.9% | 6.3% | 4.9% | 2.9 |
 WSFS | $4B | 14.8 | 7.2 | 18.6 | 74.7% | 28.0% | 10.8% | 9.5% | 0.7 |
 FIBK | $4B | 12.6 | 10.3 | 13.0 | 97.5% | 37.0% | 8.9% | 5.9% | 2.0 |
 BANR | $2B | 11.9 | 9.8 | 9.2 | 79.0% | 29.5% | 10.5% | 7.7% | 1.5 |
 COLB | $7B | 13.6 | 12.2 | 10.6 | 67.7% | 23.4% | 8.5% | 5.4% | 4.5 |
| Financial Services Median | — | 13.9 | 11.5 | 11.2 | 64.1% | 20.2% | 9.0% | 5.4% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 10 years · Updated daily
What if you invested $1,000 in MYFW 10 years ago?
Total return calculator · dividends reinvested
Calculate ReturnsHow much would $100/month in MYFW be worth today?
Dollar cost averaging vs lump sum · see how regular investing compounds over time
Run the NumbersIs MYFW Undervalued Right Now?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationMYFW vs NBTB — which is the better buy?
Side-by-side revenue, margins, P/E and 10-year returns vs NBT Bancorp Inc..
Compare NowMYFW — Frequently Asked Questions
Quick answers to the most common questions about buying MYFW stock.
What is First Western Financial, Inc.'s P/E ratio?
First Western Financial, Inc.'s current P/E ratio is 22.8x. The historical average is 18.2x. This places it at the 88th percentile of its historical range.
What is First Western Financial, Inc.'s EV/EBITDA?
First Western Financial, Inc.'s current EV/EBITDA is 19.7x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 8.2x.
What is First Western Financial, Inc.'s ROE?
First Western Financial, Inc.'s return on equity (ROE) is 5.1%. The historical average is 6.5%.
Is MYFW stock overvalued?
Based on historical data, First Western Financial, Inc. is trading at a P/E of 22.8x. This is at the 88th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is First Western Financial, Inc.'s dividend yield?
First Western Financial, Inc.'s current dividend yield is 0.19%.
What are First Western Financial, Inc.'s profit margins?
First Western Financial, Inc. has 52.5% gross margin and 9.7% operating margin.
How much debt does First Western Financial, Inc. have?
First Western Financial, Inc.'s Debt/EBITDA ratio is 5.4x, indicating high leverage. A ratio above 4x may signal elevated financial risk.