First Western Financial, Inc. MYFW R2K

Financial Services · Banks - Regional · United States

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.

Market & Price

Market Cap

$283.79M

Current Price

$29.17

High / Low (52W)

$29.40 / $20.33

Beta

0.73

Valuation

Stock P/E

18.94

Industry PE

12.01

Forward P/E

10.74

PEG Ratio

Book Value

$28.10

Price to Book

1.04

P/S

2.82

EV/EBITDA

Dividend Yield

Profitability & Returns

ROCE

ROE

5.74%

ROA

0.50%

Profit Margin

15.14%

Op Margin

28.84%

EPS (Latest Qtr)

$0.63

EPS (TTM)

$1.54

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$118.48M

Total Assets

$3.15B

Current Assets

Working Capital

Ownership

Promoter Holding

12.95%

Chg in Prom Hold

FII / Inst Holding

69.82%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$136.59M

Total Revenue (TTM)

$100.46M

EBITDA

Free Cash Flow

Operating Cash Flow

$5.45M

Shares Outstanding

9.73M

Gross Margin

0.00%

Payout Ratio

0.00%

Growth (CAGR)

Revenue 5Y

-3.38%

Profit 5Y

-15.29%

Revenue (YoY)

14.40%

Earnings (YoY)

46.50%

PROS

In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Revenue declined at -3.4% CAGR over 5 years.
Earnings shrank at -15.3% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	MYFW First Western Financial, Inc. R2K	29.17	18.94	$283.79M	-	-	5.74%	-3.38%	-15.29%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2017	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	12.89M	13.81M	14.84M	14.47M	14.41M	14.75M	16.62M	16.63M	16.33M	24.10M	29.45M	23.67M	23.71M	24.93M	26.67M	26.56M	27.50M	25.69M	20.55M	22.54M	23.27M	20.42M	22.04M	24.80M	24.19M	26.30M	24.16M	27.54M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	19.76M	19.62M	23.32M	21.73M	20.22M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5.36M	3.32M	3.96M	4.43M	8.10M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.17M	814.00K	779.00K	1.12M	1.90M
Net Income	404.00K	1.05M	1.19M	1.05M	1.69M	1.63M	1.40M	2.41M	1.33M	8.70M	9.63M	6.00M	6.28M	6.42M	5.52M	4.48M	6.22M	3.82M	1.51M	3.12M	2.52M	1.08M	2.13M	4.18M	2.50M	3.19M	3.31M	6.21M
Diluted EPS	-0.03	0.08	0.11	0.08	0.19	0.21	0.18	0.30	0.17	1.10	1.20	0.74	0.76	0.78	0.57	0.46	0.64	0.39	0.16	0.32	0.26	0.11	0.22	0.43	0.26	0.32	0.34	0.63

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	54.50M	57.62M	63.98M	92.60M	-	110.24M	90.93M	89.44M	99.44M
Cost of Revenue	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	17.27M	74.45M	88.33M	84.42M
Pretax Income	-	-	-	-	-	28.83M	7.06M	11.58M	17.07M
Tax Provision	-	-	-	-	-	7.13M	1.84M	3.11M	3.89M
Net Income	2.02M	5.65M	8.01M	24.53M	-	21.70M	5.22M	8.47M	13.19M
Diluted EPS	-0.05	0.63	1.01	3.08	-	2.23	0.90	0.87	1.34

Compounded Sales Growth

5 Years:	-3.38%
1 Year:	14.40%

Compounded Profit Growth

5 Years:	-15.29%
1 Year:	46.50%

Stock Price Performance

1 Year:	+39.97%
6 Months:	+23.13%
3 Months:	+15.34%
1 Month:	+5.16%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	969.66M	1.08B	1.25B	1.97B	-	2.87B	2.98B	2.92B	3.15B
Current Assets	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	62.69M	9.50M	73.36M	78.64M	155.99M	-	196.51M	254.44M	237.94M	200.28M
Inventory	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	15.32M	16.52M	15.13M	15.79M
Total Liabilities	-	867.81M	967.45M	1.12B	1.82B	-	2.63B	2.73B	2.67B	2.89B
Current Liabilities	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	199.02M	178.05M	109.60M	107.61M
Total Debt	-	-	-	-	-	-	199.02M	178.05M	109.60M	107.61M
Total Equity	95.93M	101.85M	116.88M	127.68M	154.96M	-	240.86M	242.74M	252.32M	265.56M
Shares Outstanding	-	-	-	-	-	-	9.50M	9.58M	9.67M	9.73M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	-5.43M	17.80M	-21.51M	-93.32M	-	48.28M	21.88M	606.00K	-1.80M
Investing Cash Flow	-102.05M	-63.07M	-116.38M	-456.02M	-	-558.80M	-66.39M	66.44M	-264.44M
Financing Cash Flow	54.30M	109.13M	143.17M	626.69M	-	320.05M	102.44M	-84.30M	228.58M
Capital Expenditure	-499.00K	-714.00K	-415.00K	-1.21M	-	-2.97M	-2.35M	-1.21M	-3.97M
Free Cash Flow	-5.93M	17.09M	-21.93M	-94.52M	-	45.31M	19.53M	-607.00K	-5.77M
Net Change in Cash	-	-	-	-	-	-190.47M	57.93M	-17.25M	-37.66M
Share Buybacks	-	181.00K	743.00K	377.00K	-	-	0	89.00K	784.00K

Ratios (Annual)

Figures in %.

Metric	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-
Net Margin %	3.7%	9.8%	12.5%	26.5%	-	19.7%	5.7%	9.5%	13.3%
ROE %	2.0%	4.8%	6.3%	15.8%	-	9.0%	2.2%	3.4%	5.0%
ROCE %	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

12.95%

Institutions

69.82%

Public Float

80.20%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	North Reef Capital Management LP	7.37%	716.61K	$20.90M
2	Wellington Management Group, LLP	5.35%	520.33K	$15.18M
3	Blackrock Inc.	5.10%	496.36K	$14.48M
4	Vanguard Capital Management LLC	3.64%	353.83K	$10.32M
5	BANC FUNDS CO LLC	3.58%	348.40K	$10.16M
6	Algebris (UK) LTD	3.54%	344.05K	$10.04M
7	Dimensional Fund Advisors LP	2.69%	261.73K	$7.63M
8	Jacobs Asset Management, L.L.C.	2.65%	257.82K	$7.52M
9	Mendon Capital Advisors Corp	2.60%	253.34K	$7.39M
10	Punch & Associates Investment Management, Inc.	2.55%	248.19K	$7.24M

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MYFW · Financial Services