First Western Financial, Inc. (MYFW) AI Stock Analysis

First Western Financial, Inc. is a financial holding company operating primarily through Wealth Management and Mortgage segments. The Wealth Management segment provides deposit accounts, loans, insurance, trust services, and investment advisory to entrepreneurs, professionals, high-net-worth individuals, families, and organizations. The Mortgage segment originates, solicits, and sells mortgage loans, primarily into the secondary market. The company operates across 18 profit centers, including boutique private trust bank offices in Arizona, Colorado, and Wyoming, alongside loan production and trust offices.

Annual revenue grew from $101.0M in FY2021 to $186.3M in FY2025, representing a 5-year revenue CAGR of 12.6%. However, net income fell from $20.6M in FY2021 to $13.2M in FY2025, with net margins decreasing from 20.4% to 7.1% over that span. Diluted EPS was $1.35 in FY2025, down from $2.88 in FY2021. For the trailing twelve months ended June 30, 2026, revenue stood at $106.7M with EPS of $1.86 and a profit margin of 17.3%. In the quarter ended June 30, 2026, quarterly revenue increased 27.7% year-over-year while quarterly earnings grew 119.2%.

As of June 30, 2026, First Western Financial held $103.9M in cash and short-term investments against $81.3M in total debt, yielding net cash of $22.6M. Total assets stood at $3.24B and shareholders' equity reached $280.6M, with a debt-to-equity ratio of 0.29 and a current ratio of 0.04. In FY2025, operating cash flow was -$1.8M and capital expenditures were $4.0M, resulting in free cash flow of -$5.8M. Cash usage in FY2025 included $784,000 for share buybacks and $576,000 for dividends paid, while the 5-year share count increased 18.9%.

Trading at a trailing P/E of 15.8x, First Western Financial trades at a premium to the median of its US-listed Financial Services peers of 12.1x. Its price-to-sales multiple of 2.7x is lower than the peer group median of 3.2x, while its price-to-book ratio is 1.1x. Enterprise value stands at $211.0M compared to a market capitalization of $287.6M. Over the past year, the stock returned 33.0%, outperforming the S&P 500 return of 16.8%. Over a 5-year span, MYFW gained 4.7%, trailing the S&P 500 return of 83.0%.

Wall Street coverage consists of 1 Buy and 2 Hold ratings, with zero Sell ratings. The mean price target is $32.67, representing a 10.9% upside from the last close of $29.45. For the fiscal year ending December 31, 2026, analysts estimate EPS of $2.43 on revenue of $114.7M. For FY2027, 3 analysts project EPS of $2.63 and revenue of $123.8M. MYFW has beaten EPS estimates in 2 of the last 4 quarters, with its next earnings announcement scheduled for October 22, 2026.

This page is an AI-written research summary of First Western Financial, Inc. (MYFW). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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