First Western Financial, Inc.
MYFW · Price history
Price at last available close
$31.46
+$1.30 (+4.31%) 1M
2026-10-29
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Company & revenue
About First Western Financial, Inc.
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
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.
How they make money
First Western Financial, Inc. operates as a bank holding company that generates revenue primarily through net interest income earned on loans and investment securities, as well as non-interest income derived from trust and investment advisory services, mortgage banking, and other financial services provided to high-net-worth individuals and families.
Products & services
The company provides an integrated suite of financial services including commercial and consumer banking, private trust services, wealth planning, investment management, and mortgage banking.
Brands & revenue mix
The primary brand under which the company provides its banking and trust services.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
The company does not disclose any single customer that accounts for more than 10% of its total revenue for the fiscal year ended December 31, 2025.
Suppliers, materials & equipment
- Technology and core banking software providers — The company relies on third-party vendors for core banking systems, digital banking platforms, and information technology infrastructure. Specific supplier names are unnamed.Source
Competitors
- Wealth management firms — The company competes with independent wealth management firms and trust companies for investment advisory and trust service clients.Source
Strengths
Sources
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
49
Weak
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
41
Weak
Financial Strength
23
Business Quality / Moat
58
Management
42
Growth Quality
40
Risk / Durability
52
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
67
Fully Valued
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
62/100
Building Historical Record
Model Score 62/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is low across its combined quality, valuation and risk inputs. This can reflect an expensive share price, business weaknesses, or both; check Company Quality and the category breakdown before drawing a conclusion.
At today’s price, the WSS valuation framework currently reads as moderate rather than unusually attractive.
The model outlook is currently moderate.
- •Valuation scores attractively
- •Recent buyback activity is present
- •Elevated debt risk
- •M&A headline · Sep 4, 2026
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for MYFW
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can MYFW maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •How long can MYFW fund negative free cash flow using its current cash position before it may need more debt or new shares?
- •Is MYFW's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is MYFW's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
49
Opportunity Score
67
Market Cap
$307.2M
P/E Ratio
15.7
EPS
$1.90
52-Week High
$34.36
52-Week Low
$22.00
Beta
0.77
Intrinsic Value
$67.38
Analyst Target
$31.00
Shares Outstanding
10.0M
Total Revenue
$194.2M
Total Debt
$81.3M
Dividend
No current dividend
Liquidation Value / Share
$28.18
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Neutral / mixed momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for MYFW
Detected from reported data — verify before acting.Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Elevated debt risk
Interest coverage is below 2x • Free cash flow is negative • Cash covers less than 20% of total debt
M&A headline · Sep 4, 2026
542,706 Shares in First Western Financial, Inc. $MYFW Acquired by BlackRock Inc. — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
Defense WorldCommunity Sentiment
0 active · 0 total callsNo personal call yet on MYFW.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Integrated private trust bank platform.
- +Strong presence in high-growth Western U.S. markets.
Potential downside factors
- −Debt risk (elevated): Interest coverage is below 2x.
- −Free cash flow is negative.
- −Cash covers less than 20% of total debt.
- −Interest rate fluctuations affecting net interest margin.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
3 historical score records availablePrevious Score
49
Oct 1, 2026
Change
Unchanged
Current Score
49
Oct 8, 2026
Category Changes
MYFW score was unchanged.
Projected Score
Projected Score
53
Projected Change
+4.2 points
Preliminary comparable-period financial changes suggest improvement of approximately 4.2 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$31.46
Model Intrinsic Value
$67.38
Difference
−$35.92
-53.3% vs IV
Margin of Safety
53.3%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $194.2M | $186.3M | $177.8M | $165.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $86.4M | $88.5M | $90.3M | $84.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $107.8M | $97.8M | $87.5M | $80.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $59.1M | $53.6M | $49.2M | $49.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $82.9M | $79.8M | $75.9M | $73.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $27.4M | $20.6M | $14.1M | $9.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $24.8M | $18.0M | $11.6M | $7.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $85.4M | $84.4M | $88.3M | $74.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $23.9M | $17.1M | $11.6M | $7.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $5.5M | $3.9M | $3.1M | $1.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $18.4M | $13.2M | $8.5M | $5.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $1.90 | $1.36 | $0.88 | $0.55 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 9.65M | 9.65M | 9.65M | 9.54M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 9.96M | 9.96M | 9.77M | 9.73M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$48.2M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.58
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-60.9%
Cash Change
-93.8%
Margin Change
+6.2 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
- Debt reduced
What Weakened
- Cash position declined
Potential Score Impact
Positive indicators included revenue growth, EPS growth, debt levels, net income margin. Pressure indicators included cash levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 10.1%. EPS increased 123.1%. Cash declined 93.8%. Total debt declined 60.9%. Net income margin improved by 6.2 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Dividend data is not available yet. Missing data does not mean this company pays no dividend.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
3 historical recordsHistorical Score Chart
3 of 3 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Banks - RegionalNews
First Western Financial, Inc. (MYFW) Q3 2026 Earnings Call Transcript
First Western Trust Continues to Attract Top Banking Talent with Appointment of Bill Sullivan
542,706 Shares in First Western Financial, Inc. $MYFW Acquired by BlackRock Inc.
First Western Trust Announces Leadership Promotions Across Denver Metro Markets
Rumor Mill · MYFW
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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