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First Western Financial, Inc.(MYFW)Earnings, Financials & Key Ratios
MYFW•NASDAQ•Banking & Credit
$33.01
24.6× P/E·Price updated Jul 6, 2026
AboutFirst Western Financial, Inc., a financial holding company, provides wealth management, private banking, personal trust, investment management, mortgage lending, and institutional asset management services. The company operates through two segments: Wealth Management and Mortgage. The Wealth Management segment provides deposit, loan, insurance, and trust and investment management advisory products and services. The Mortgage segment engages in soliciting, originating, and selling mortgage loans into the secondary market. It serves entrepreneurs, professionals, high-net worth individuals or families, and philanthropic and business organizations. The company operates 18 profit centers, including 14 boutique private trust bank offices with 2 locations in Arizona, 9 locations in Colorado, and 3 location in Wyoming; 2 loan production offices with 1 location in Ft. Collins, Colorado, and 1 location in Greenwood Village, Colorado; and 2 trust offices with 1 location in Laramie, Wyoming, and 1 location in Century City, California. First Western Financial, Inc. was incorporated in 2002 and is headquartered in Denver, Colorado.Show more
- Net Interest Income$75M+17.3%
- Total Revenue$186M+4.8%
- Net Income$13M+55.6%
- Return on Equity5.09%+48.8%
- Net Interest Margin2.38%+8.6%
- Efficiency Ratio42.82%+0.2%
- ROA0.43%+51.0%
- Equity / Assets8.42%-2.6%
- Book Value per Share26.67+3.3%
MYFW Price & Volume
First Western Financial, Inc. (MYFW) stock price & volume — 10-year historical chart
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Boutique Banking Model Faces Persistent Margin Compression
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Strained
Financial:Adequate
Cash Flow:Mixed
Primary Risk:Mortgage segment volatility
Key Thesis Takeaways
- First Western Financial operates a specialized, high-touch banking model that remains heavily tethered to volatile mortgage volumes and a securities-dominated asset base.
- While the firm achieved a 20.5% year-over-year increase in net interest income as of 2026Q1, the persistent stagnation of the net interest margin at 0.6% suggests significant difficulty in scaling core profitability.
- Investors should monitor the firm's reliance on a $2.8 billion investment portfolio, which creates disproportionate sensitivity to market valuation fluctuations relative to its $273.4 million equity base.
Verdict Logic
while the forward P/E of 13.46 suggests a more reasonable valuation than the TTM P/E of 23.81, the lack of consistent capital returns and the persistent 0.6% net interest margin indicate limited near-term upside.
MYFW Growth Metrics
First Western Financial, Inc. (MYFW) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years12.58%
3 Years13.48%
TTM-
Profit CAGR
10 Years-
5 Years-11.68%
3 Years-15.29%
TTM49.97%
EPS CAGR
10 Years-
5 Years-15.33%
3 Years-15.61%
TTM47.12%
Return on Capital
10 Years5.39%
5 Years4.84%
3 Years2.92%
Last Year4.44%
MYFW Recent Earnings
First Western Financial, Inc. (MYFW) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 4/12 qtrs (44%)●Beat Revenue 2/12 qtrs (22%)
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$0.63+43.2%
$0.44
Rev
$28M+4.3%
$27M
Q1 2026
Feb 27, 2026Metric
Actual
Est
EPS
$0.33
—
Rev
$48M
—
Q1 2026
Jan 22, 2026Metric
Actual
Est
EPS
$0.34-27.7%
$0.47
Rev
$26M-6.4%
$28M
Q4 2025
Oct 23, 2025Metric
Actual
Est
EPS
$0.32-10.3%
$0.36
Rev
$26M-2.1%
$27M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.63vs $0.44+43.2% | $28Mvs $27M+4.3% |
| Q1 2026 | Feb 27, 2026 | $0.33 | $48M |
| Q1 2026 | Jan 22, 2026 | $0.34vs $0.47-27.7% | $26Mvs $28M-6.4% |
| Q4 2025 | Oct 23, 2025 | $0.32vs $0.36-10.3% | $26Mvs $27M-2.1% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for First Western Financial, Inc. (MYFW)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $33.01 | $321.15M | 24.63 | 4.83% | 7.08% | 5.09% | — | |
| $50.16 | $2.61B | 15.06 | 10.36% | 19.66% | 9.83% | — | |
| $22.76 | $3.09B | 14.97 | -2.33% | 32.4% | 9.16% | — | |
| $140.12 | $8.51B | 15.26 | -1.07% | 18.3% | 10.31% | — | |
| $22.77 | $3.3B | -7.72 | -56.66% | -63.53% | -10.51% | — | |
| $52.54 | $6.84B | 26.40 | 14.48% | 17.67% | 6.83% | — |
Compare MYFW vs Peers
First Western Financial, Inc. (MYFW) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
MYFW SEC Filings & Documents
First Western Financial, Inc. (MYFW) SEC filings — annual & quarterly reports (10-K, 10-Q)
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MYFW Frequently Asked Questions
First Western Financial, Inc. (MYFW) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is First Western Financial, Inc. growing?
First Western Financial, Inc. (MYFW) grew revenue by 4.8% over the past year. Growth has been modest.
Is MYFW profitable?
Yes, First Western Financial, Inc. (MYFW) is profitable, generating $15.2M in net income for fiscal year 2025 (7.1% net margin).
Dividend & Returns
What is MYFW's return on equity?
First Western Financial, Inc. (MYFW) has a return on equity (ROE) of 5.1%. This is below average, suggesting room for improvement.
Industry Metrics
What is First Western Financial, Inc.'s net interest margin?
First Western Financial, Inc. (MYFW) has a net interest margin (NIM) of 2.4%. NIM has been under pressure due to interest rate environment.
What is First Western Financial, Inc.'s efficiency ratio?
First Western Financial, Inc. (MYFW) has an efficiency ratio of 42.8%. This is excellent, indicating strong cost control.