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First Western Financial, Inc.

MYFW Financial Banks Regional

First Western Financial, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $186.4 million, up 3.34% from fiscal 2024.

Revenue
+0.29%
EPS
+84.9%
Free cash flow
−26.1%
Total debt
+94.4%

Quarter to September 2026, against a year earlier

30.69 0.05 −0.16%
Market cap
$300.4M
P/E
14.1×
Fwd P/E
12.9×
Dividend yield
—
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 1.83
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell 4 3 1 — — 3 — — 1 — — —
Insider Ownership 17.09%

Capital & Financial Ratios $m

Size
Market Cap 300.39
Revenue ttm 194.14
Net income ttm 21.23
Free cash flow ttm 23.05
Net debt Q 19.56
Valuation
P/E 14.11
Forward P/E 12.90
Price / sales 1.55
Forward P/S Powerpack
Price / FCF 13.03
Price / book 1.04
Financial health
Current ratio Q 1.02
Debt / equity Q 0.64
Interest coverage Q —
Growth
Revenue growth Q +0.29% (above 0%: growing)
Operating income growth Q +83.58% (above 0%: growing)
EPS, this year +80.25% (at or above 15%: strong)
EPS, next year A +10.96%
Revenue, next year A −38.67% (below 0%: weak)
EPS, past 5 yrs −15.21% (below 0%: weak)
EPS, next 5 yrs A +32.17% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 44.03%
10-year low 10-year high
P/S against its own 10 years 60.37%
10-year low 10-year high
P/B against its own 10 years 69.57%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 254 238 200 166
Receivables — — — —
Inventory — — — —
Other — — — —
2,790 2,692 2,888 2,989
2023 2024 2025 Q'26
Payables 2,529 2,514 2,747 2,916
ST’ Debt — — — —
Other — — — —
2,533 2,516 2,748 2,918

Compound Annual Growth %

10y 5y 3y
Sales — 12.26% 13.08%
Cash Flow — 0.00% 0.00%
Earnings — (11.68%) (15.29%)
Book Value — 11.37% 3.31%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.58 Actual 0.60

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.47 0.34 Miss by 0.13
Q1 FY26 0.44 0.63 Beat by 0.19
Q2 FY26 0.56 0.57 Beat by 0.01
Q3 FY26 0.58 0.60 Beat by 0.02
Q4 FY26 0.61 — Reports 28 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.63 0.57 0.60 — —
’25 0.43 0.26 0.32 0.34 1.35
’24 0.26 0.11 0.22 0.28 0.87
’23 0.39 0.16 0.32 (0.33) 0.54
’22 0.57 0.46 0.64 0.56 2.23
’21 0.74 0.76 0.78 0.23 2.51
’20 0.17 1.10 1.20 0.61 3.08
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 48 48 50 — —
’25 45 44 50 48 186
’24 46 45 45 45 180
’23 41 40 43 44 168
’22 28 29 33 39 129
’21 25 25 27 25 102
’20 19 28 32 25 105
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 15 12 8 — —
’25 8 (9) 12 (12) (2)
’24 (2) (11) 19 (4) 1
’23 1 (6) 15 12 22
’22 (2) 13 25 12 48
’21 (11) 141 4 29 163
’20 (19) 9 (20) (64) (93)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 18 11 8 — —
’25 39 (10) 11 (14) 26
’24 (3) (12) 19 (5) (1)
’23 0 (6) 14 11 20
’22 (2) 12 24 11 46
’21 (12) 141 3 29 161
’20 (19) 9 (20) (64) (94)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 59 61 66 78 105 102 129 168 180 186 194 +13.5% 114 125 135 (10.1%)
Gross margin, % 91.48 90.56 87.61 83.27 93.08 94.69 86.60 55.55 51.02 54.70 57.23 (36.8) pt
EBT 4 5 7 10 33 27 29 7 12 17 27 +19.0%
EBT margin, % 6.01 8.20 11.25 13.13 31.63 26.73 22.37 4.22 6.42 9.16 14.02 +3.2 pt
Net income 2 2 6 8 25 21 22 5 8 13 21 +21.4%
Per share, $
Per share, $ Revenue 11.61 10.93 9.83 9.84 13.23 12.79 13.62 17.56 18.69 19.19 19.87 +5.7%
Earnings (0.11) 0.36 0.64 1.02 3.08 2.59 2.30 0.55 0.87 1.35 2.18 n/m
Cash flow 3.73 (0.97) 2.65 (2.73) (11.81) 20.36 5.10 2.29 0.06 (0.19) 2.39 n/m
Capex (0.36) 0.24 (0.11) (0.05) (0.11) (0.24) (0.26) (0.25) (0.13) 2.89 (0.03) n/m
Free cash flow 3.37 (0.73) 2.55 (2.78) (11.93) 20.12 4.85 2.05 (0.06) 2.70 2.36 (2.4%)
Book value 18.73 18.23 17.41 16.18 19.62 27.45 25.46 25.44 26.15 27.34 29.49 +4.3%
Shares, m 5 6 7 8 8 8 9 10 10 10 10 +7.4%
Valuation, ×
Valuation, × P/E 41.36 41.36 16.92 16.15 6.31 11.72 11.83 35.59 22.47 19.71 14.11 22.3
P/S 1.78 1.78 1.19 1.67 1.48 2.37 2.00 1.12 1.05 1.40 1.55 1.6
P/B 1.11 1.11 0.67 1.02 1.00 1.11 1.07 0.77 0.75 0.98 1.04 1.0
EV/Sales 2.24 2.24 0.41 0.87 1.65 (0.66) 2.02 0.66 0.33 0.90 — 1.1
EV/FCF (11.05) (11.05) 1.57 (3.10) (1.83) (0.42) 5.67 5.67 (99.34) 6.39 — (10.7)
Cash, $m
Cash, $m Operating cash flow 19 (5) 18 (22) (93) 163 48 22 1 (2) 23 n/m
Capex (2) 1 (1) 0 (1) (2) (2) (2) (1) 28 0 n/m
Free cash flow 17 (4) 17 (22) (94) 161 46 20 (1) 26 23 +4.7%
Balance, $m
Balance, $m Working capital (2) 43 45 39 231 161 270 257 176 140 71 n/m
Net debt (8) 32 (52) (62) 18 (309) 3 (76) (128) (93) 20 +31.7%
Shareholders’ equity 96 102 117 128 155 219 241 243 252 266 288 +12.0%
Returns, %
Returns, % ROA (0.06) (0.03) 0.42 0.69 1.52 0.92 0.80 0.18 0.29 0.43 0.64 +0.5 pt
ROIC 2.53 2.33 7.13 11.21 11.96 0.00 7.40 2.65 5.84 6.17 5.53 +3.6 pt
ROE (0.54) (0.27) 3.90 6.55 17.36 11.02 9.44 2.16 3.42 5.09 7.73 +5.6 pt
People
People Employees — 16 — — 305 313 365 310 321 320 — +45.4%
Revenue/emp, $m 0.00 3.82 0.00 0.00 0.34 0.33 0.35 0.54 0.56 0.58 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

First Western Financial, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
NEWT NewtekOne, Inc. $308.3M 4.8× 6.2× +14.68% (above 0%: growing) −9.43% (below 0%: shrinking) +18.31% (above 0%: growing) 100.00% 70.56% Compare
FCCO First Community Corporation $306.5M 12.0× 10.8× +22.67% (above 0%: growing) +19.12% (above 0%: growing) −1,807.94% (below 0%: shrinking) 72.21% 0.00% Compare
ATLO Ames National Corporation $301.5M 13.1× 11.8× +7.68% (above 0%: growing) +31.37% (above 0%: growing) −13.26% (below 0%: shrinking) 73.46% 0.00% Compare
MYFW First Western Financial, Inc. $300.4M 14.1× 12.9× +0.29% (above 0%: growing) +84.85% (above 0%: growing) −26.07% (below 0%: shrinking) 57.81% 0.00%
BPRN Princeton Bancorp, Inc. $299.7M 11.6× 11.2× −2.61% (below 0%: shrinking) +940.00% (above 0%: growing) −38.15% (below 0%: shrinking) 65.93% 0.00% Compare
FUNC First United Corporation $295.0M 11.7× 10.8× +4.79% (above 0%: growing) +3.97% (above 0%: growing) +1,978.11% (above 0%: growing) 77.40% 0.00% Compare
FVCB Fvcbankcorp, Inc. $293.8M 10.9× 10.5× +9.18% (above 0%: growing) +19.35% (above 0%: growing) −23.59% (below 0%: shrinking) 64.10% 0.00% Compare
FNRN First Northern Community Bancorp $291.4M 13.1× — +2.07% (above 0%: growing) −12.99% (below 0%: shrinking) +31.66% (above 0%: growing) 83.16% 0.00% Compare
OVLY Oak Valley Bancorp (CA) $288.3M 12.1× — +4.45% (above 0%: growing) −8.82% (below 0%: shrinking) −20.28% (below 0%: shrinking) 85.32% 0.00% Compare
Median of peers $297.4M 11.8× 10.8× +6.23% +11.55% −16.77% 75.43% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 24 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 2.65m 3.32m 95.24
2024 1.26m 945.93k 69.45
2023 1.31m (696.25k) 70.44

Ownership

Directors and executive officers, together 13.10%
Scott C. Wylie 7.60%
North Reef Capital Management LP1833 South Coast Highway, Suite 7.10%
BlackRock, Inc.50 Hudson YardsNew York, NY 5.50%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

First Western Financial, Inc. (MYFW) Latest News

26 Oct

Impact 4 · · The Motley Fool

24 Oct

Impact 3 · · Simply Wall St.

23 Oct

Impact 4 · · The Motley Fool transcript
Impact 4 · · Moby
Impact 3 · · MarketBeat

22 Oct

Impact 4 · · GlobeNewswire
Impact 3 · · Zacks
Impact 3 · · Associated Press

24 Jul

Impact 4 · · Moby transcript
Impact 3 ·
Impact 3 · · MarketBeat

23 Jul

Impact 3 ·
Impact 3 ·

29 Apr

Impact 3 · · Zacks

27 Apr

Impact 4 · · MarketBeat

25 Apr

Impact 4 · · GuruFocus.com

24 Apr

Impact 4 · · The Motley Fool transcript
Impact 3 · · Moby

23 Apr

Impact 4 · · GlobeNewswire

16 Apr

Impact 3 · · Zacks

23 Jan

Impact 4 · · GuruFocus.com transcript
Impact 4 · · MarketBeat transcript

22 Jan

Impact 4 · · Associated Press Finance
Impact 4 · · GlobeNewswire
Impact 3 · · Zacks

16 Jan

Impact 3 · · GlobeNewswire
Impact 3 · · Simply Wall St.

8 Jan

Impact 4 · · Zacks
Impact 4 · · Zacks
Impact 3 ·
stockrow.com/MYFW · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com