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First Western Financial Inc

MYFW

$31.29 ▼ -0.45 (-1.42%) at close

10 Visible periods

34 Metrics

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Fair

Neutral

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Analytical Summary

First Western Financial Inc shows mixed fundamentals. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap $303.9M

Dividend Yield —

Revenue Growth 10.8% ↗

Op. Margin 16.7% ↗

ROIC None

FCF / Share None

Trailing P/E 23.0x

Price / Book 1.2x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

10-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$101.94M

↑ +10.8% —

Net Income Profit after all expenses

$13.19M

↑ +55.6% —

Operating Margin Operating profit as % of sales

16.7%

↑ +33.1% 70th

Health Breakdown

Profitability ↓

Returns ↓

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Revenue Growth YoY (%)	10.8% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+80%)	-1.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-119%)	-16.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-377%)	15.5% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+158%)	-0.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-111%)	50.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+742%)	11.8% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+97%)	4.5% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-24%)	—	—
EPS Growth YoY (%)	54.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	60.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-76.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-11.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-17.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	204.9% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	59.4% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	—	—
Net Income Growth YoY (%)	55.6% Excellent ↑ Excellent Improving Year-over-year change in net income	62.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-75.9% Weak ↓ Weak Declining Year-over-year change in net income	5.3% Fair ↓ Fair Declining Year-over-year change in net income	-16.0% Weak ↓ Weak Declining Year-over-year change in net income	206.3% Excellent ↑ Excellent Improving Year-over-year change in net income	41.8% Excellent Excellent Year-over-year change in net income	179.1% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-3.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-1.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-1.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	20.0% Excellent → Excellent Stable Compound annual revenue growth over 3 years	18.7% Excellent Excellent Compound annual revenue growth over 3 years	20.7% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	0.9% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	7.3% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	10.0% Good Good Compound annual revenue growth over 5 years	15.1% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-15.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-30.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-43.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	30.9% Excellent Excellent Compound annual EPS growth over 3 years	59.2% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Operating Margin (%) (%)	16.7% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-33%)	12.6% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-50%)	7.6% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-70%)	25.8% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—	—	—	—	—	—
Effective Tax Rate (%) (%)	22.8% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.8% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.0% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.7% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—
Profit Margin (%) (%)	12.9% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-41%)	9.2% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-58%)	5.6% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-74%)	19.4% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	21.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	25.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	12.4% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-44%)	9.8% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-56%)	3.7% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-83%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.4% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	5.0% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-59%)	3.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-72%)	2.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	9.0% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-25%)	9.4% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	15.8% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+32%)	6.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-48%)	4.8% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-60%)	2.0% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Debt to Equity (x)	—	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	—	—	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Revenue per Share (USD)	$10.50	$9.53	$9.75	$11.80	$12.11	$12.32	$8.19	$8.61	$9.90	—
Basic EPS, GAAP (USD)	$1.36	$0.88	$0.55	$2.29	$2.58	$3.11	$1.02	$0.64	$-0.05	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$27.30	$26.10	$25.33	$25.37	$23.25	$19.49	$16.08	$14.67	$17.46	—
Tangible Book Value per Share (USD)	$24.18	$22.96	$22.16	$22.16	$20.01	$18.92	$13.60	$11.55	$13.21	—
Basic Weighted Avg Shares (shares)	9.71M	9.65M	9.54M	9.46M	7.98M	7.90M	7.89M	6.71M	5.59M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	$0.00	—	—	—	—	—	—	—	—
Total Equity (USD)	$265.56M	$252.32M	$242.74M	$240.86M	$219.04M	$154.96M	$127.68M	$116.88M	$101.85M	$95.93M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Sales/Revenue/Turnover (USD)	$101.94M	$92.00M	$93.05M	$111.62M	$96.64M	$97.28M	$64.64M	$57.80M	$55.29M	—
Depreciation Expense (USD)	$2.64M	$2.56M	$2.38M	$2.01M	$1.26M	$1.10M	$1.67M	$2.22M	$2.45M	—
Net Income, GAAP (USD)	$13.19M	$8.47M	$5.22M	$21.70M	$20.61M	$24.53M	$8.01M	$5.65M	$2.02M	—
Operating Cash Flow (USD)	$-1.80M	$-544.00K	$21.88M	$48.28M	$162.51M	$-93.33M	$-21.51M	$17.80M	$-5.43M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Net Interest Margin (approx.) (%)	2.4%	2.2%	2.4%	2.9%	2.2%	2.3%	2.6%	2.8%	2.8%	—
Efficiency Ratio (%) (%)	78.3%	85.3%	81.3%	70.9%	70.5%	61.2%	83.2%	86.8%	89.5%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 10 years · 34 quarters

First Western Financial Inc

Analytical Summary

10-Year Financial Trajectory

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