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First Western Financial, Inc. logo

First Western Financial, Inc.

MYFW

NASDAQFinancial ServicesBanks - Regional

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Previous close

$31.00

+$0.01 · +0.03%

Aug 21, 4:00 PM ET

MYFW company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

68

Undervalued

Momentum

64

Gaining

Sentiment

61

Bullish

Risk resilience

77

Moderate Risk

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Company profile

Company website

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. The Mortgage segment engages in soliciting, originating, and selling residential mortgage loans into the secondary market. It serves entrepreneurs, professionals, high net worth individuals or families, and business and philanthropic organizations. The company was incorporated in 2002 and is headquartered in Denver, Colorado.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Scott C. Wylie
Listed since
Jul 19, 2018
Employees
320

Market position

Day range

Current $31.00

52-week range

Current $31.00

Open
$31.025
Previous close
$30.99
Volume
41.15K
0.74× average
Average volume
55.29K
Average daily volume
Market cap
301.6M USD
Beta
0.72
Market reference 1
50-day average
$31.8134
-2.56% below average
200-day average
$27.4101
+13.10% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
166.18M USD
P/E (TTM)
16.32×
P/B (TTM)
1.07×
P/S (TTM)
1.55×
EV / EBITDA
8.29×
Earnings yield
5.09%
Free cash flow yield
-2.23%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
55.49%
Operating margin
12.78%
Net margin
9.50%
Return on equity
4.97%
Return on assets
0.42%
Return on invested capital
3.41%

Financial health

Debt / equity
0.29×
Current ratio
0.1×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends102%66%30%-6%Gross margin, FY2021: 93.42%Gross margin, FY2022: 83.57%Gross margin, FY2023: 48.72%Gross margin, FY2024: 49.23%Gross margin, FY2025: 52.50%Operating margin, FY2021: 27.00%Operating margin, FY2022: 22.61%Operating margin, FY2023: 4.27%Operating margin, FY2024: 6.51%Operating margin, FY2025: 9.65%Net margin, FY2021: 20.40%Net margin, FY2022: 17.02%Net margin, FY2023: 3.16%Net margin, FY2024: 4.77%Net margin, FY2025: 7.08%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 93.42%. Gross margin FY2022 83.57%. Gross margin FY2023 48.72%. Gross margin FY2024 49.23%. Gross margin FY2025 52.50%. Operating margin FY2021 27.00%. Operating margin FY2022 22.61%. Operating margin FY2023 4.27%. Operating margin FY2024 6.51%. Operating margin FY2025 9.65%. Net margin FY2021 20.40%. Net margin FY2022 17.02%. Net margin FY2023 3.16%. Net margin FY2024 4.77%. Net margin FY2025 7.08%.

Income trends

Revenue

186.35M USD+4.83%

Operating income

17.99M USD+55.38%

Net income

13.19M USD+55.65%
Income trends across reported periods204.46M USD132.01M USD59.56M USD−12.89M USDRevenue, FY2021: 101.04M USDRevenue, FY2022: 127.51M USDRevenue, FY2023: 165.38M USDRevenue, FY2024: 177.77M USDRevenue, FY2025: 186.35M USDOperating income, FY2021: 27.28M USDOperating income, FY2022: 28.83M USDOperating income, FY2023: 7.06M USDOperating income, FY2024: 11.58M USDOperating income, FY2025: 17.99M USDNet income, FY2021: 20.61M USDNet income, FY2022: 21.7M USDNet income, FY2023: 5.23M USDNet income, FY2024: 8.47M USDNet income, FY2025: 13.19M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 101.04M USD. Revenue FY2022 127.51M USD. Revenue FY2023 165.38M USD. Revenue FY2024 177.77M USD. Revenue FY2025 186.35M USD. Operating income FY2021 27.28M USD. Operating income FY2022 28.83M USD. Operating income FY2023 7.06M USD. Operating income FY2024 11.58M USD. Operating income FY2025 17.99M USD. Net income FY2021 20.61M USD. Net income FY2022 21.7M USD. Net income FY2023 5.23M USD. Net income FY2024 8.47M USD. Net income FY2025 13.19M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue186.35M USD177.77M USD165.38M USD127.51M USD101.04M USD
Cost of goods sold88.53M USD90.26M USD84.81M USD20.95M USD6.65M USD
Gross profit97.83M USD87.51M USD80.57M USD106.56M USD94.39M USD
Selling, general, and administrative53.63M USD49.15M USD49.43M USD52.58M USD44.13M USD
Operating expenses79.79M USD75.93M USD73.51M USD77.73M USD67.11M USD
Interest income159.35M USD152.19M USD144.94M USD100.82M USD61.93M USD
Interest expense84.42M USD88.33M USD74.45M USD17.27M USD5.42M USD
Depreciation and amortization2.06M USD2.57M USD2.38M USD2.01M USD1.26M USD
Operating income17.99M USD11.58M USD7.06M USD28.83M USD27.28M USD
Net income13.19M USD8.47M USD5.23M USD21.7M USD20.61M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
45%
5 beats, 6 misses, 0 met estimates
Average EPS surprise
-7.82%
11 comparable reports
Latest EPS result
0.57
Estimate 0.56 · Beat by 2.70%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.670.510.360.2Q1 '25BeatQ2 '25BeatQ3 '25MissQ4 '25MissQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 24, 2025: actual 0.28, estimate 0.263, surprise +6.34%, Beat. Q2 2025, reported Apr 24, 2025: actual 0.43, estimate 0.233, surprise +84.31%, Beat. Q3 2025, reported Jul 24, 2025: actual 0.26, estimate 0.357, surprise -27.11%, Miss. Q4 2025, reported Oct 23, 2025: actual 0.32, estimate 0.357, surprise -10.29%, Miss. Q1 2026, reported Jan 22, 2026: actual 0.34, estimate 0.47, surprise -27.66%, Miss. Q2 2026, reported Apr 23, 2026: actual 0.63, estimate 0.44, surprise +43.18%, Beat. Q3 2026, reported Jul 23, 2026: actual 0.57, estimate 0.555, surprise +2.70%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 0.58, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates30.51M27.99M25.46M22.93MQ1 '25MissQ2 '25BeatQ3 '25MissQ4 '25MissQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 24, 2025: actual 24.34M USD, estimate 24.41M USD, surprise -0.29%, Miss. Q2 2025, reported Apr 24, 2025: actual 24.79M USD, estimate 24.1M USD, surprise +2.84%, Beat. Q3 2025, reported Jul 24, 2025: actual 24.19M USD, estimate 26.57M USD, surprise -8.97%, Miss. Q4 2025, reported Oct 23, 2025: actual 26.3M USD, estimate 26.85M USD, surprise -2.06%, Miss. Q1 2026, reported Jan 22, 2026: actual 25.74M USD, estimate 27.5M USD, surprise -6.40%, Miss. Q2 2026, reported Apr 23, 2026: actual 28.27M USD, estimate 27.1M USD, surprise +4.30%, Beat. Q3 2026, reported Jul 23, 2026: actual 28.62M USD, estimate 28.57M USD, surprise +0.15%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 29.34M USD, surprise —, Comparison unavailable.

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