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. 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%
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

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%) (below 0%: weak)
This Y EPS Growth 79.26% (at or above 15%: strong)
Next Y EPS Growth 8.82%
Next Y revenue growth (38.45%) (below 0%: weak)
Next 5Y EPS Growth 29.03% (at or above 15%: strong)

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.

Target Price Range

Analyst price targets

Recommendation Rating

2.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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
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.

First Western Financial, Inc. (MYFW) Latest News

24 Jul

23 Oct

stockrow.com/MYFW · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com