First Western Financial, Inc.

MYFW

Financial ServicesSmall CapUS Equities · NYSE / NASDAQ

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Company Profile

First Western Financial, Inc., a financial holding company, provides wealth advisory, private banking, personal trust, investment management, mortgage lending, and institutional asset management services to individual and corporate clients. The company operates in two segments, Wealth Management and Mortgage. The Wealth Management segment provides deposit products, including money market, demand deposit, time-deposit, interest checking, and saving accounts; loans comprising consumer and commercial purpose, unsecured consumer, construction and development, 1-4 residential, commercial real estate, and commercial and industrial loans; trust and investment management advisory products and services; and insurance. The Mortgage segment engages in soliciting, originating, and selling residential mortgage loans into the secondary market. It serves entrepreneurs, professionals, high net worth individuals or families, and business and philanthropic organizations. The company was incorporated in 2002 and is headquartered in Denver, Colorado.

Valuation

Market Cap$270M

Current Price$27.74

P/E Ratio18.01

P/B Ratio0.99

EV / EBITDA-

EV / Sales1.29

Profitability

Operating Margin-

Net Profit Margin13.3%

EBITDA Margin-

Returns

ROE5.0%

ROCE-

ROIC %-

ROA0.4%

Solvency

Current Ratio-

Debt / Equity0.41

Debt / Assets0.03

CFO / Net Profit-0.14

Price History▲ 35.78% over 1Y

Technical Chart

Historical Performance Charts

5-year financial trends. Figures in USD millions.

Revenue vs Net Profit (5Y)

Free Cash Flow vs Operating Cash Flow (5Y)

Operating Margin % (5Y)

No margin data.

Growth Summary

Latest fiscal year: 2025

Revenue$99M▲ 11.2%

EBITDA-

Net Profit$13M▲ 55.6%

Cash from Ops (CFO)$-2M

Free Cash Flow (FCF)$-6M

Revenue CAGR 3Y-

Revenue CAGR 5Y-

Net Profit CAGR 3Y-

Net Profit CAGR 5Y-

Historical Growth

Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)

Year	Revenue	EBITDA	Net Profit	FCF	ROE	Rev Growth 1Y	NP Growth 1Y
2025	$99M	-	$13M	$-6M	5.0%	11.2%	55.6%
2024	$89M	-	$8M	$-1M	3.4%	-1.6%	62.2%
2023	$91M	-	$5M	$20M	2.2%	-17.5%	-75.9%
2022	$110M	-	$22M	$45M	9.0%	-	-

Financial Statements

Income statement, balance sheet, and cash flow as reported

Consolidated Figures in USD Millions.

Metric	2022	2023	2024	2025
Total Revenue	110.24	90.93	89.44	99.44
Pretax Income	28.83	7.06	11.58	17.07
Tax Provision	7.13	1.84	3.11	3.89
Net Income	21.70	5.22	8.47	13.19
Net Income Common Stockholders	21.70	5.22	8.47	13.19
Interest Expense	17.27	74.45	88.33	84.42
Interest Income	100.81	144.94	152.19	159.21
Selling General And Administration	52.58	49.43	49.15	50.23
Normalized Income	21.66	5.22	8.47	12.83
Basic EPS	2.29	0.91	0.88	0
Diluted EPS	2.23	0.90	0.87	0
Tax Effect Of Unusual Items	0.01	0	0	0.10
Tax Rate For Calcs	0.25	0.26	0.27	0.23
Total Unusual Items	0.05	0	0	0.46
Total Unusual Items Excluding Goodwill	0.05	0	0	0.46
Net Income From Continuing Operation Net Minority Interest	21.70	5.22	8.47	13.19
Reconciled Depreciation	2.01	2.38	2.56	2.64
Net Interest Income	83.55	70.48	63.86	74.79
Net Income From Continuing And Discontinued Operation	21.70	5.22	8.47	13.19
Diluted Average Shares	9.71	9.73	9.77	0
Basic Average Shares	9.46	9.54	9.65	0
Diluted NI Availto Com Stockholders	21.70	5.22	8.47	13.19
Net Income Including Noncontrolling Interests	21.70	5.22	8.47	13.19
Net Income Continuous Operations	21.70	5.22	8.47	13.19
Special Income Charges	0	0	0	0
Gain On Sale Of Security	0.35	-0.02	-0.03	0.01
Depreciation Amortization Depletion Income Statement	0.31	0.25	0.23	0.21
Depreciation And Amortization In Income Statement	0.31	0.25	0.23	0.21
Amortization	0.31	0.25	0.23	0.21
Amortization Of Intangibles Income Statement	0.31	0.25	0.23	0.21
Selling And Marketing Expense	1.89	1.54	1.21	1.22
General And Administrative Expense	50.69	47.89	47.94	49.01
Other Gand A	2.44	2.69	2.90	2.89
Salaries And Wages	48.25	45.20	45.04	46.12
Operating Revenue	110.24	90.93	89.44	99.44
Occupancy And Equipment	7.52	7.60	8.28	8.23
Professional Expense And Contract Services Expense	7.90	7.64	7.95	7.68
Other Non Interest Expense	9.43	8.60	10.32	10.99

Peer Comparison

Financial Services sector peers, ranked by market cap

Company	Ticker	Market Cap	P/E	P/B	ROE	EV/EBITDA
First Western Financial, Inc.this co.	MYFW	$270M	18.01↑ premium	0.99	5.0%	-
Western New England Bancorp, Inc.	WNEB	$283M	15.90	1.14	6.2%	-
FVCBankcorp, Inc.	FVCB	$280M	12.16	1.10	8.7%	-
Oak Valley Bancorp	OVLY	$279M	11.51	1.32	11.5%	-
First Community Corporation	FCCO

Learn while you research

Hand-picked academy chapters to deepen your understanding of First Western Financial, Inc. and the metrics that matter.

01 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read 02 Stock Market Risks

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Year

Revenue

EBITDA

Net Profit

FCF

ROE

Rev Growth 1Y

NP Growth 1Y

2025

$99M

$13M

$-6M

5.0%

11.2%

55.6%

2024

$89M

$8M

$-1M

3.4%

-1.6%

62.2%

2023

$91M

$5M

$20M

2.2%

-17.5%

-75.9%

2022

$110M

$22M

$45M

9.0%

Metric

2022

2023

2024

2025

Total Revenue

110.24

90.93

89.44

99.44

Pretax Income

28.83

7.06

11.58

17.07

Tax Provision

7.13

1.84

3.11

3.89

Net Income

21.70

5.22

8.47

13.19

Net Income Common Stockholders

21.70

5.22

8.47

13.19

Interest Expense

17.27

74.45

88.33

84.42

Interest Income

100.81

144.94

152.19

159.21

Selling General And Administration

52.58

49.43

49.15

50.23

Normalized Income

21.66

5.22

8.47

12.83

Basic EPS

2.29

0.91

0.88

Diluted EPS

2.23

0.90

0.87

Tax Effect Of Unusual Items

0.01

0.10

Tax Rate For Calcs

0.25

0.26

0.27

0.23

Total Unusual Items

0.05

0.46

Total Unusual Items Excluding Goodwill

0.05

0.46

Net Income From Continuing Operation Net Minority Interest

21.70

5.22

8.47

13.19

Reconciled Depreciation

2.01

2.38

2.56

2.64

Net Interest Income

83.55

70.48

63.86

74.79

Net Income From Continuing And Discontinued Operation

21.70

5.22

8.47

13.19

Diluted Average Shares

9.71

9.73

9.77

Basic Average Shares

9.46

9.54

9.65

Diluted NI Availto Com Stockholders

21.70

5.22

8.47

13.19

Net Income Including Noncontrolling Interests

21.70

5.22

8.47

13.19

Net Income Continuous Operations

21.70

5.22

8.47

13.19

Special Income Charges

Gain On Sale Of Security

0.35

-0.02

-0.03

0.01

Depreciation Amortization Depletion Income Statement

0.31

0.25

0.23

0.21

Depreciation And Amortization In Income Statement

0.31

0.25

0.23

0.21

Amortization

0.31

0.25

0.23

0.21

Amortization Of Intangibles Income Statement

0.31

0.25

0.23

0.21

Selling And Marketing Expense

1.89

1.54

1.21

1.22

General And Administrative Expense

50.69

47.89

47.94

49.01

Other Gand A

2.44

2.69

2.90

2.89

Salaries And Wages

48.25

45.20

45.04

46.12

Operating Revenue

110.24

90.93

89.44

99.44

Occupancy And Equipment

7.52

7.60

8.28

8.23

Professional Expense And Contract Services Expense

7.90

7.64

7.95

7.68

Other Non Interest Expense

9.43

8.60

10.32

10.99

Company

Ticker

Market Cap

P/E

P/B

ROE

EV/EBITDA

First Western Financial, Inc.this co.

MYFW

$270M

18.01↑ premium

0.99

5.0%

Western New England Bancorp, Inc.

WNEB

$283M

15.90

1.14

6.2%

FVCBankcorp, Inc.

FVCB

$280M

12.16

1.10

8.7%

Oak Valley Bancorp

OVLY

$279M

11.51

1.32

11.5%

First Community Corporation

FCCO

First Western Financial, Inc.

Valuation

Profitability

Returns

Solvency

Historical Performance Charts

Revenue vs Net Profit (5Y)

Free Cash Flow vs Operating Cash Flow (5Y)

Operating Margin % (5Y)

Growth Summary

Historical Growth

Financial Statements

Peer Comparison

First Western Financial, Inc.

Valuation

Profitability

Returns

Solvency

Historical Performance Charts

Revenue vs Net Profit (5Y)

Free Cash Flow vs Operating Cash Flow (5Y)

Operating Margin % (5Y)

Growth Summary

Historical Growth

Financial Statements

Peer Comparison

Key concepts to brush up on