Saturday 17 October 2026 Export MYFW’s income statement to Excel — free account

First Western Financial, Inc.

First Western Financial, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $186.4 million, up 3.34% from fiscal 2024. In the quarter to June 2026, revenue grew 10.1%, EPS grew 126.9%, free cash flow grew 216.5% and total debt fell 60.9%, each against the same quarter a year earlier. Revenue growth for three consecutive years.

29.44 0.02 −0.07%

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Market cap: $287.7M
P/E: 15.5×
Fwd P/E: 12.3×
Dividend yield: —
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 1.95

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	1	4	3	1	—	—	3	—	—	1	—	—

Insider Ownership 17.02%

Capital & Financial Ratios $m

Market Cap 287.68

Revenue 194.00

Net Income 18.44

Free Cash Flow 25.84

Net Debt (93.61)

Current Ratio 1.02

Debt/Equity 0.29

P/E ratio 15.49

Fwd P/E 12.30

P/S ratio 1.48

P/B ratio 1.02

Past 5Y EPS Growth (15.21%)

This Y EPS Growth 79.26%

Next Y EPS Growth 8.82%

Next Y revenue growth (38.45%)

Next 5Y EPS Growth 29.03%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 46.12%

10-year low 10-year high

P/S against its own 10 years 54.75%

10-year low 10-year high

P/B against its own 10 years 66.23%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2023	Powerpack
2022	Powerpack
2021	Powerpack
2020	Powerpack
2019	Powerpack
2018	Powerpack

special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	254	238	200	175
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	2,790	2,692	2,888	2,907

	2023	2024	2025	Q'26
Payables	2,529	2,514	2,747	2,846
ST’ Debt	—	—	—	—
Other	—	—	—	—
	2,533	2,516	2,748	2,847

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%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	48	48	—	—	—
’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	—	—	—
’25	8	(9)	10	(11)	(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	—	—	—
’25	39	(10)	9	(12)	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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.63	0.57	—	—	—
’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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	—	—	10.91	11.62	10.75	17.30	24.07	12.85	12.84	17.10	Analyst estimates 2026–2028 Powerpack
	High	—	—	20.95	17.61	20.00	32.00	34.20	28.31	22.32	28.00
People
People	Employees	—	16	—	—	305	313	365	310	321	320
	Revenue/emp, $m	0.00	3.82	0.00	0.00	0.34	0.33	0.35	0.54	0.56	0.58
Income, $m
Income, $m	Revenue	59	61	66	78	105	102	129	168	180	186
	Gross margin, %	91.48	90.56	87.61	83.27	93.08	94.69	86.60	55.55	51.02	54.70
	EBT	4	5	7	10	33	27	29	7	12	17
	EBT margin, %	6.01	8.20	11.25	13.13	31.63	26.73	22.37	4.22	6.42	9.16
	Net income	2	2	6	8	25	21	22	5	8	13
	Depreciation	3	3	2	3	2	2	2	3	3	3
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
	Earnings	0.45	0.36	0.72	1.02	3.08	2.59	2.30	0.55	0.87	1.35
	Cash flow	3.73	(0.97)	2.65	(2.73)	(11.81)	20.36	5.10	2.29	0.06	(0.19)
	Capex	(0.36)	0.24	(0.11)	(0.05)	(0.11)	(0.24)	(0.26)	(0.25)	(0.13)	2.89
	Free cash flow	3.37	(0.73)	2.55	(2.78)	(11.93)	20.12	4.85	2.05	(0.06)	2.70
	Book value	18.73	18.23	17.41	16.18	19.62	27.45	25.46	25.44	26.15	27.34
	Shares, m	5	6	7	8	8	8	9	10	10	10
Valuation, ×
Valuation, ×	P/E	41.36	41.36	16.92	16.15	6.31	11.72	11.83	35.59	22.47	19.71
	P/S	1.78	1.78	1.19	1.67	1.48	2.37	2.00	1.12	1.05	1.40
	P/B	1.11	1.11	0.67	1.02	1.00	1.11	1.07	0.77	0.75	0.98
	EV/Sales	2.24	2.24	0.41	0.87	1.65	(0.66)	2.02	0.66	0.33	0.90
	EV/FCF	(11.05)	(11.05)	1.57	(3.10)	(1.83)	(0.42)	5.67	5.67	(99.34)	6.39
Cash, $m
Cash, $m	Operating cash flow	19	(5)	18	(22)	(93)	163	48	22	1	(2)
	Capex	(2)	1	(1)	0	(1)	(2)	(2)	(2)	(1)	28
	Free cash flow	17	(4)	17	(22)	(94)	161	46	20	(1)	26
Balance, $m
Balance, $m	Working capital	(2)	43	45	39	231	161	270	257	176	140
	Total debt	55	42	22	17	174	78	199	178	110	108
	Net debt	(8)	32	(52)	(62)	18	(309)	3	(76)	(128)	(93)
	Shareholders’ equity	96	102	117	128	155	219	241	243	252	266
Returns, %
Returns, %	ROA	(0.06)	(0.03)	0.42	0.69	1.52	0.92	0.80	0.18	0.29	0.43
	ROIC	2.53	2.33	7.13	11.21	11.96	0.00	7.40	2.65	5.84	6.17
	ROE	(0.54)	(0.27)	3.90	6.55	17.36	11.02	9.44	2.16	3.42	5.09

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
BPRN Princeton Bancorp, Inc.	$295.6M	11.5×	9.7×	−2.61% (below 0%: shrinking)	+940.00% (above 0%: growing)	−38.15% (below 0%: shrinking)	65.93%	0.00%	Compare
MYFW First Western Financial, Inc.	$287.7M	15.5×	12.3×	+10.12% (above 0%: growing)	+126.92% (above 0%: growing)	+216.45% (above 0%: growing)	58.35%	0.00%
ATLO Ames National Corporation	$284.8M	12.5×	11.0×	+7.68% (above 0%: growing)	+31.37% (above 0%: growing)	−13.26% (below 0%: shrinking)	73.46%	0.00%	Compare
FUNC First United Corporation	$283.5M	11.4×	9.1×	+5.24% (above 0%: growing)	−4.35% (below 0%: shrinking)	+705.52% (above 0%: growing)	75.95%	0.00%	Compare
FRAF Franklin Financial Services Corp.	$282.6M	11.4×	10.0×	+1.12% (above 0%: growing)	+11.36% (above 0%: growing)	+20.95% (above 0%: growing)	71.88%	0.00%	Compare
OVLY Oak Valley Bancorp (CA)	$282.3M	12.0×	—	+4.45% (above 0%: growing)	−8.82% (below 0%: shrinking)	−20.28% (below 0%: shrinking)	85.32%	0.00%	Compare
ISBA Isabella Bank Corporation	$280.1M	13.5×	11.9×	+13.60% (above 0%: growing)	+1.47% (above 0%: growing)	+1.06% (above 0%: growing)	73.42%	0.00%	Compare
VABK Virginia National Bankshares Corporation	$279.1M	11.1×	17.8×	+24.86% (above 0%: growing)	+110.13% (above 0%: growing)	−47.94% (below 0%: shrinking)	77.48%	0.00%	Compare
NKSH National Bankshares, Inc.	$276.0M	13.6×	10.7×	+6.17% (above 0%: growing)	+119.44% (above 0%: growing)	+118.57% (above 0%: growing)	71.02%	0.00%	Compare
Median of peers	$282.4M	11.7×	10.7×	+5.71%	+21.37%	−6.10%	73.44%	0.00%

All 323 Banks Regional stocks →

First Western Financial, Inc. (MYFW) key facts

Strength: First Western Financial, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $186.4 million, up 3.34% from fiscal 2024.
First Western Financial, Inc. (MYFW) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, MYFW traded at $29.44, a market capitalization of $287.7 million.
Return on equity was 5.09% and debt-to-equity 0.29.
Its Piotroski F-score is 5 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.