Last 33 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
First Western Financial, Inc.'s quarterly P/E stands at 20.3x, up 16.4% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has expanded 374.2% YoY to 16.9x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 22.78 | 20.31 | 17.99 | 21.69 | 11.42 | 17.46 | 22.73 | 38.64 | 14.02 | — | 14.18 | 29.06 | 12.69 |
| — | +16.4% | -20.8% | -43.9% | -18.5% | — | +60.3% | +32.9% | +10.5% | — | +47.3% | +96.7% | -7.4% | |
| P/S Ratio | 1.59 | 1.38 | 1.16 | 1.26 | 1.08 | 1.14 | 1.09 | 0.92 | 0.77 | 1.15 | 1.04 | 1.12 | 1.19 |
| — | +21.0% | +6.0% | +37.2% | +39.5% | -1.0% | +5.0% | -17.6% | -34.8% | -36.5% | -42.5% | -51.7% | -55.9% | |
| P/B Ratio | 1.14 | 1.01 | 0.88 | 0.85 | 0.75 | 0.76 | 0.79 | 0.67 | 0.58 | 0.80 | 0.72 | 0.74 | 0.80 |
| — | +32.4% | +11.0% | +27.3% | +30.1% | -4.6% | +10.0% | -9.7% | -28.2% | -29.8% | -29.3% | -35.8% | -41.2% | |
| P/FCF | — | — | 6.40 | — | 6.91 | — | 2.82 | — | — | 4.25 | 3.11 | — | 267.65 |
| — | — | +126.8% | — | — | — | -9.2% | — | — | -23.5% | +24.4% | — | — | |
| EV / EBITDA | 19.70 | 16.88 | -1.67 | 12.29 | 0.71 | 3.56 | 2.65 | 20.03 | 0.33 | — | 11.32 | 23.64 | 9.19 |
| — | +374.2% | -163.1% | -38.7% | +115.0% | — | -76.6% | -15.3% | -96.4% | — | +4.7% | +194.1% | +430.4% | |
| EV / EBIT | 21.96 | 17.04 | -1.94 | 14.85 | 0.80 | 4.15 | 3.29 | 28.96 | 0.39 | — | 12.88 | 30.40 | 10.23 |
| — | +310.1% | -158.9% | -48.7% | +106.0% | — | -74.4% | -4.7% | -96.2% | — | +12.0% | +241.5% | +442.0% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
First Western Financial, Inc.'s operating margin was 11.1% in Q4 2025, up 3.1 pp QoQ and up 1.7 pp YoY. This marks the 3rd consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 9.7% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 6.3% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 52.5% | 55.1% | 48.5% | 51.2% | 55.5% | 51.8% | 48.9% | 45.3% | 51.0% | 28.1% | 52.9% | 51.0% | 63.4% |
| — | +6.3% | -0.9% | +12.9% | +8.9% | +84.4% | -7.6% | -11.0% | -19.6% | -59.0% | -36.5% | -45.2% | -32.8% | |
| Operating Margin | 9.7% | 11.1% | 8.0% | 7.6% | 12.0% | 9.3% | 5.9% | 3.1% | 7.8% | -10.4% | 9.9% | 5.0% | 12.7% |
| — | +18.7% | +34.8% | +141.0% | +53.5% | +189.7% | -40.2% | -37.7% | -38.5% | -153.6% | -60.2% | -75.9% | -50.8% | |
| Net Margin | 7.1% | 6.8% | 6.4% | 5.7% | 9.4% | 6.5% | 4.7% | 2.4% | 5.5% | -7.7% | 7.3% | 3.7% | 9.4% |
| — | +4.7% | +35.6% | +139.1% | +70.7% | +185.3% | -35.3% | -36.0% | -41.6% | -152.8% | -61.1% | -76.2% | -51.8% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 5.1% | 1.3% | 1.2% | 1.0% | 1.6% | 1.1% | 0.9% | 0.4% | 1.0% | -1.3% | 1.3% | 0.6% | 1.6% |
| — | +14.7% | +42.2% | +122.3% | +59.7% | +183.3% | -32.6% | -30.1% | -35.2% | -157.2% | -52.5% | -68.5% | -36.4% | |
| ROA | 0.4% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.0% | 0.1% | -0.1% | 0.1% | 0.1% | 0.1% |
| — | +9.9% | +39.3% | +130.0% | +68.9% | +187.6% | -29.7% | -27.2% | -35.0% | -155.1% | -56.0% | -71.2% | -39.5% | |
| ROIC | 3.7% | 1.1% | 0.7% | 0.6% | 1.1% | 0.8% | 0.5% | 0.2% | 0.7% | -0.7% | 0.5% | 0.3% | 0.8% |
| — | +35.9% | +54.0% | +145.5% | +65.1% | +221.2% | -13.7% | -6.0% | -12.6% | -159.8% | -60.9% | -81.5% | -58.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
First Western Financial, Inc.'s Debt/EBITDA ratio is 19.9x, down from 20.7x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 69.7% YoY to 0.03x, tightening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.41 | 0.41 | 0.37 | 0.80 | 0.38 | 0.43 | 0.46 | 0.99 | 0.50 | 0.73 | 1.27 | 1.51 | 1.31 |
| — | -6.7% | -20.8% | -18.6% | -24.4% | -40.8% | -63.6% | -34.4% | -62.0% | -11.2% | -2.6% | +186.7% | +385.7% | |
| Debt / EBITDA | 5.37 | 19.91 | 20.74 | 51.89 | 15.96 | 23.98 | 34.56 | 119.24 | 28.99 | — | 64.96 | 139.41 | 54.60 |
| — | -17.0% | -40.0% | -56.5% | -44.9% | — | -46.8% | -14.5% | -46.9% | — | +86.3% | +670.3% | +614.5% | |
| Current Ratio | 0.03 | 0.03 | 0.13 | 0.10 | 0.12 | 0.10 | 0.12 | 0.11 | 0.11 | 0.11 | 0.12 | 0.13 | 0.13 |
| — | -69.7% | +9.5% | -9.9% | +4.7% | -6.1% | +0.2% | -17.0% | -15.5% | +22.4% | +42.9% | +53.3% | -43.7% | |
| Quick Ratio | 0.03 | 0.03 | 0.13 | 0.10 | 0.12 | 0.10 | 0.12 | 0.11 | 0.11 | 0.11 | 0.12 | 0.13 | 0.13 |
| — | -69.7% | +9.5% | -9.9% | +4.7% | -6.1% | +0.2% | -17.0% | -15.5% | +22.4% | +42.9% | +53.3% | -43.7% | |
| Interest Coverage | 0.21 | 0.25 | 0.17 | 0.17 | 0.27 | 0.18 | 0.12 | 0.06 | 0.16 | -0.20 | 0.21 | 0.11 | 0.34 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 33 years · Updated daily
Total return calculator · dividends reinvested
Calculate ReturnsDollar cost averaging vs lump sum · see how regular investing compounds over time
Run the NumbersDCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare business quality, growth, and profitability against top sector peers.
Compare NowQuick answers to the most common questions about buying MYFW stock.
First Western Financial, Inc.'s current P/E is 22.8x. The average P/E over the last 4 quarters is 17.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
First Western Financial, Inc.'s current operating margin is 9.7%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking First Western Financial, Inc.'s business trajectory between earnings reports.