First Western Financial, Inc. (MYFW) vs Virginia National Bankshares Corporation (VABK)

First Western Financial, Inc. and Virginia National Bankshares Corporation are both Banks Regional companies. First Western Financial, Inc. and Virginia National Bankshares Corporation are of similar size ($287.7M and $279.1M). Virginia National Bankshares Corporation trades at the lower P/E: 11.1× against 15.5×. First Western Financial, Inc. grew revenue faster over the last twelve months: 8.99% against 5.24%. Virginia National Bankshares Corporation has the higher net margin (28.2% vs 9.50%) and the higher return on invested capital (14.1% vs 7.99%). Across the 18 metrics below, Virginia National Bankshares Corporation leads on 11 and First Western Financial, Inc. on 7.

Valuation

Metric MYFW VABK Banks Regional median
P/E 15.49 11.10 11.98
P/S 1.48 3.13 2.34
P/B 1.02 1.42 1.19
Price to free cash flow 11.12 11.98 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.45% 9.01% 8.23%
Free cash flow yield 8.99% 8.35% 9.08%

Profitability

Metric MYFW VABK Banks Regional median
Gross margin 56.00% 72.27% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.50% 28.18% 18.66%
Free cash flow margin 13.32% 26.16% 21.11%
Return on equity 6.84% 13.57% 10.65%
Return on assets 0.59% 1.52% 1.13%
Return on invested capital 7.99% 14.14% 8.35%

Growth

Metric MYFW VABK Banks Regional median
Revenue growth (TTM) 8.99% 5.24% 6.98%
EPS growth (last fiscal year) 55.17% 12.70% 18.88%
Revenue growth, 5-year CAGR 12.26% 19.78% 12.38%
Net income growth, 5-year CAGR (11.68%) 19.28% 9.71%

Health

Metric MYFW VABK Banks Regional median
Debt to equity 0.29 0.10 0.22
Current ratio 1.02 0.93 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric MYFW VABK Banks Regional median
Dividend yield — 2.83% 2.57%
Payout ratio — 0.32 0.30

Size

Metric MYFW VABK Banks Regional median
Market cap 287.68m 279.11m 913.33m

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