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$281M

Current Price$30.72as of Jun 23, 2026

P/E Ratio21.28

P/B Ratio1.06

EV / EBITDA-

EV / Sales1.89

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▲ 39.32% 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▼ 396.9%

Free Cash Flow (FCF)$-6M▲ 850.4%

Revenue CAGR 3Y-3.4%

Revenue CAGR 5Y-

Net Profit CAGR 3Y-15.3%

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%	-	-
2021	-

Financial Statements

Income statement, balance sheet, and cash flow as reported

Consolidated Figures in USD Millions.

Metric	2021	2022	2023	2024	2025
Total Revenue	-	110.24	90.93	89.44	99.44
Operating Revenue	-	110.24	90.93	89.44	99.44
Selling General And Administration	-	52.58	49.43	49.15	50.23
Interest Income	-	100.82	144.94	152.19	159.21
Interest Expense	-	17.27	74.45	88.33	84.42
Net Interest Income	-	83.54	70.48	63.86	74.79
Pretax Income	-	28.83	7.06	11.58	17.07
Tax Provision	-	7.13	1.84	3.11	3.89
Tax Rate For Calcs	-	0	0	0	0
Tax Effect Of Unusual Items	-	0.01	0	0	0.10
Net Income Continuous Operations	-	21.70	5.22	8.47	13.19
Net Income From Continuing And Discontinued Operation	-	21.70	5.22	8.47	13.19
Net Income From Continuing Operation Net Minority Interest	-	21.70	5.22	8.47	13.19
Net Income	-	21.70	5.22	8.47	13.19
Net Income Common Stockholders	-	21.70	5.22	8.47	13.19
Net Income Including Noncontrolling Interests	-	21.70	5.22	8.47	13.19
Normalized Income	-	21.66	5.22	8.47	12.83
Diluted NI Availto Com Stockholders	-	21.70	5.22	8.47	13.19
Basic Average Shares	-	9.46	9.54	9.65	9.71
Diluted Average Shares	-	9.71	9.73	9.77	9.83
Reconciled Depreciation	-	2.01	2.38	2.56	2.64
Total Unusual Items	-	0.05	0	0	0.46
Total Unusual Items Excluding Goodwill	-	0.05	0	0	0.46
Special Income Charges	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
General And Administrative Expense	-	50.69	47.89	47.94	49.01
Other Gand A	-	2.44	2.68	2.90	2.89
Salaries And Wages	-	48.25	45.20	45.04	46.12
Selling And Marketing Expense	-	1.89	1.54	1.21	1.22
Amortization	-	0.31	0.25	0.23	0.21
Amortization Of Intangibles Income Statement	-	0.31	0.25	0.23	0.21
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	$281M	21.28↑ premium	1.06	5.0%	-
Blue Ridge Bankshares, Inc.	BRBS	$295M	27.54	0.91	3.3%	-
MBIA Inc.	MBI	$291M	-1.65	-0.13	7.9%	-
First Community Corporation	FCCO	$289M	15.07	1.73	11.5%	-
FVCBankcorp, Inc.	FVCB	$288M

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%

2021

Metric

2021

2022

2023

2024

2025

Total Revenue

110.24

90.93

89.44

99.44

Operating Revenue

110.24

90.93

89.44

99.44

Selling General And Administration

52.58

49.43

49.15

50.23

Interest Income

100.82

144.94

152.19

159.21

Interest Expense

17.27

74.45

88.33

84.42

Net Interest Income

83.54

70.48

63.86

74.79

Pretax Income

28.83

7.06

11.58

17.07

Tax Provision

7.13

1.84

3.11

3.89

Tax Rate For Calcs

Tax Effect Of Unusual Items

0.01

0.10

Net Income Continuous Operations

21.70

5.22

8.47

13.19

Net Income From Continuing And Discontinued Operation

21.70

5.22

8.47

13.19

Net Income From Continuing Operation Net Minority Interest

21.70

5.22

8.47

13.19

Net Income

21.70

5.22

8.47

13.19

Net Income Common Stockholders

21.70

5.22

8.47

13.19

Net Income Including Noncontrolling Interests

21.70

5.22

8.47

13.19

Normalized Income

21.66

5.22

8.47

12.83

Diluted NI Availto Com Stockholders

21.70

5.22

8.47

13.19

Basic Average Shares

9.46

9.54

9.65

9.71

Diluted Average Shares

9.71

9.73

9.77

9.83

Reconciled Depreciation

2.01

2.38

2.56

2.64

Total Unusual Items

0.05

0.46

Total Unusual Items Excluding Goodwill

0.05

0.46

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

General And Administrative Expense

50.69

47.89

47.94

49.01

Other Gand A

2.44

2.68

2.90

2.89

Salaries And Wages

48.25

45.20

45.04

46.12

Selling And Marketing Expense

1.89

1.54

1.21

1.22

Amortization

0.31

0.25

0.23

0.21

Amortization Of Intangibles Income Statement

0.31

0.25

0.23

0.21

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

$281M

21.28↑ premium

1.06

5.0%

Blue Ridge Bankshares, Inc.

BRBS

$295M

27.54

0.91

3.3%

MBIA Inc.

MBI

$291M

-1.65

-0.13

7.9%

First Community Corporation

FCCO

$289M

15.07

1.73

11.5%

FVCBankcorp, Inc.

FVCB

$288M

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