First Western Financial, Inc. (MYFW) Key Metrics
MYFW valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $287.6M
- Enterprise value
- $211.0M
- P/E (TTM)
- 15.8 10-yr median 15.1
- Forward P/E
- —
- PEG ratio
- —
- Price / sales
- 2.7 10-yr median 1.5
- Price / book
- 1.1 10-yr median 1.0
- EV / EBITDA
- — 10-yr median 5.4
- Dividend yield
- —
- Beta
- 0.77
MYFW key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsMYFW valuation Price multiples at each fiscal year-end price.
MYFW returns How much profit the business earns on the capital it uses.
MYFW per-share figures Results divided by the shares outstanding at year-end.
MYFW financial health Debt, liquidity and how easily interest is covered.
MYFW efficiency & capital use Working capital cycle and where the cash goes.
MYFW valuation history
MYFW returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
MYFW debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
MYFW cash returned to shareholders
MYFW price vs earnings per share
MYFW key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $266.9M | $191.0M | $192.9M | $273.4M | $250.0M | $155.8M | $130.4M | $79.1M | — | — |
| Enterprise value | $128.6M | $64.6M | $116.5M | $276.0M | −$114.0M | $137.0M | $12.8M | −$16.4M | — | — |
| P/E ratio | 20.2 | 22.5 | 36.9 | 12.6 | 12.1 | 6.4 | 16.3 | 14.0 | — | — |
| Price / sales | 1.4 | 1.1 | 1.2 | 2.1 | 2.5 | 1.5 | 1.7 | 1.2 | — | — |
| Price / book | 1.0 | 0.8 | 0.8 | 1.1 | 1.1 | 1.0 | 1.0 | 0.7 | — | — |
| Price / free cash flow | — | — | 9.9 | 6.0 | 1.5 | — | — | 4.6 | — | — |
| Price / operating cash flow | — | — | 8.8 | 5.7 | 1.5 | — | — | 4.4 | — | — |
| EV / sales | 0.7 | 0.4 | 0.7 | 2.2 | -1.1 | 1.3 | 0.2 | -0.3 | — | — |
| EV / EBITDA | 6.2 | 4.6 | 12.3 | 8.9 | — | 4.0 | 1.1 | — | — | — |
| EV / free cash flow | — | — | 6.0 | 6.1 | — | — | — | — | — | — |
| Earnings yield | 4.9% | 4.4% | 2.7% | 7.9% | 8.2% | 15.7% | 6.1% | 7.1% | — | — |
| Free cash flow yield | −2.2% | −0.9% | 10.1% | 16.6% | 65.5% | −60.7% | −16.8% | 21.6% | — | — |
| Dividend yield | 0.2% | 0.2% | 0.3% | 0.1% | 0.0% | 0.0% | 0.0% | 1.7% | — | — |
| Shareholder yield (dividends + buybacks) | 0.5% | 0.3% | 0.5% | 0.4% | 15.9% | 0.3% | 0.6% | 2.0% | — | — |
| Share price at fiscal year-end | $26.81 | $19.55 | $19.83 | $28.15 | $30.36 | $19.57 | $16.47 | $11.71 | — | — |
| Per share | ||||||||||
| Revenue per share | $18.72 | $18.19 | $17.00 | $13.13 | $12.27 | $12.94 | $9.72 | $9.66 | $8.01 | $7.88 |
| Earnings per share | $1.32 | $0.87 | $0.54 | $2.23 | $2.50 | $3.08 | $1.01 | $0.84 | $0.27 | $0.31 |
| Operating cash flow per share | −$0.18 | −$0.06 | $2.25 | $4.97 | $20.14 | −$11.72 | −$2.72 | $2.64 | −$0.72 | $2.53 |
| Free cash flow per share | −$0.58 | −$0.18 | $2.01 | $4.66 | $19.88 | −$11.87 | −$2.77 | $2.53 | −$0.79 | $2.29 |
| Cash per share | $24.70 | $24.16 | $26.16 | $20.23 | $53.64 | $24.20 | $17.38 | $17.33 | $8.37 | $21.26 |
| Book value per share | $26.67 | $25.83 | $24.96 | $24.80 | $26.60 | $19.46 | $16.13 | $17.30 | $13.50 | $12.72 |
| Tangible book value per share | $23.52 | $22.59 | $21.68 | $21.49 | $22.72 | $16.42 | $13.64 | $13.57 | $10.05 | $9.24 |
| Dividends per share | $0.06 | $0.05 | $0.06 | $0.04 | $0.01 | $0.00 | $0.00 | $0.20 | $0.30 | $0.38 |
| Capex per share | $0.40 | $0.12 | $0.24 | $0.31 | $0.26 | $0.15 | $0.05 | $0.11 | $0.07 | $0.24 |
| Debt per share | $10.81 | $11.22 | $18.31 | $20.49 | $9.43 | $21.84 | $2.53 | $3.19 | $5.57 | $7.64 |
| Shares outstanding | 10.0M | 9.8M | 9.7M | 9.7M | 8.2M | 8.0M | 7.9M | 6.8M | 7.5M | 7.5M |
| Change in shares outstanding | +1.9% | +0.5% | +0.1% | +18.0% | +3.4% | +0.6% | +17.2% | −10.5% | 0.0% | — |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 5.1% | 3.4% | 2.2% | 9.4% | 11.0% | 17.4% | 6.5% | 5.2% | 2.0% | 2.4% |
| Return on invested capital (ROIC) | 11.0% | 5.8% | 2.6% | 44.1% | — | 33.5% | 50.8% | 11.1% | 6.8% | — |
| Return on assets (ROA) | 0.4% | 0.3% | 0.2% | 0.8% | 0.9% | 1.5% | 0.7% | 0.5% | 0.2% | 0.3% |
| Return on tangible assets | 0.4% | 0.3% | 0.2% | 0.8% | 0.8% | 1.3% | 0.7% | 0.5% | 0.2% | 0.3% |
| Free cash flow margin | −3.1% | −1.0% | 11.8% | 35.5% | 162.1% | −91.7% | −28.5% | 26.2% | −9.8% | 29.1% |
| Income quality (OCF / net income) | −0.14 | −0.06 | 4.19 | 2.22 | 8.05 | −3.80 | −2.69 | 3.15 | −2.68 | 8.30 |
| Financial health | ||||||||||
| Total debt | $107.6M | $109.6M | $178.1M | $199.0M | $77.7M | $173.9M | $20.0M | $21.6M | $42.0M | $57.6M |
| Cash & short-term investments | $245.9M | $236.0M | $254.4M | $196.5M | $441.7M | $192.7M | $137.5M | $117.1M | $63.2M | $160.3M |
| Net debt | −$138.3M | −$126.4M | −$76.4M | $2.5M | −$364.0M | −$18.8M | −$117.5M | −$95.5M | −$21.2M | −$102.7M |
| Debt / equity | 0.41 | 0.43 | 0.73 | 0.83 | 0.35 | 1.12 | 0.16 | 0.18 | 0.41 | 0.60 |
| Debt / assets | 0.03 | 0.04 | 0.06 | 0.07 | 0.03 | 0.09 | 0.02 | 0.02 | 0.04 | 0.06 |
| Net debt / EBITDA | −6.70 | −8.94 | −8.09 | 0.08 | −12.76 | −0.55 | −9.91 | −9.90 | −2.84 | −17.13 |
| Current ratio | 0.10 | 0.10 | 0.11 | 0.09 | 0.21 | 0.13 | 491.08 | 0.13 | 0.10 | 0.24 |
| Quick ratio | 0.10 | 0.10 | 0.22 | 0.18 | 0.39 | 0.23 | 799.24 | 0.13 | 0.10 | 0.23 |
| Interest coverage | 0.2 | 0.1 | 0.1 | 1.7 | 5.0 | 4.6 | 0.8 | 0.9 | 0.9 | 0.7 |
| Working capital | −$2.49B | −$2.26B | −$2.26B | −$2.19B | −$1.75B | −$1.41B | $146.5M | −$812.2M | −$733.0M | −$575.7M |
| Invested capital | $127.3M | $125.9M | $166.3M | $243.4M | −$145.0M | $136.2M | $10.1M | $21.4M | $80.7M | −$6.8M |
| Tangible asset value | $234.1M | $220.7M | $210.9M | $208.8M | $187.1M | $130.7M | $108.0M | $91.7M | $75.8M | $69.7M |
| Net current asset value | −$2.63B | −$2.41B | −$2.46B | −$2.41B | −$1.85B | −$1.61B | −$977.2M | −$841.7M | −$784.5M | −$641.7M |
| Graham number | $28.20 | $22.45 | $17.37 | $35.30 | $38.70 | $36.73 | $19.16 | $18.04 | $9.03 | $9.34 |
| Graham net-net per share | −$264.33 | −$247.18 | −$267.35 | −$259.76 | −$249.75 | −$213.63 | −$129.57 | −$124.89 | −$104.63 | −$85.48 |
| Capital allocation | ||||||||||
| Dividends paid | $576,000 | $463,000 | $620,000 | $381,000 | $76,000 | $17,000 | $29,000 | $1.4M | $2.3M | $2.8M |
| Share buybacks (net) | $784,000 | $89,000 | $439,000 | $697,000 | $39.7M | $377,000 | $743,000 | $181,000 | $0 | $0 |
| Dividend payout ratio | 4.4% | 5.5% | 11.9% | 1.8% | 0.4% | 0.1% | 0.4% | 24.4% | 113.2% | 123.4% |
| Dividends + buybacks / free cash flow | — | — | 5.4% | 2.4% | 24.3% | — | — | 9.1% | — | 16.4% |
| Capex / revenue | 2.1% | 0.7% | 1.4% | 2.3% | 2.1% | 1.2% | 0.5% | 1.1% | 0.8% | 3.1% |
| Capex / operating cash flow | — | — | 10.7% | 6.1% | 1.3% | — | — | 4.0% | — | 9.5% |
| Capex / depreciation | 1.51 | 0.47 | 0.99 | 1.47 | 1.66 | 1.09 | 0.25 | 0.32 | 0.20 | 0.75 |
| Stock-based compensation / revenue | 1.2% | 0.8% | 1.1% | 2.0% | 2.9% | 2.5% | 3.0% | 2.8% | 2.1% | 1.7% |
| SG&A / revenue | 28.8% | 27.6% | 29.9% | 41.2% | 43.7% | 36.7% | 49.2% | 53.9% | 56.7% | 56.3% |
| Efficiency | ||||||||||
| Days sales outstanding | 35.9 | 42.9 | 42.2 | 45.3 | 49.3 | 39.3 | 42.8 | 80.7 | 115.2 | 110.5 |
| Days of inventory on hand | — | — | -1,052.8 | -5,359.2 | -15,667.5 | -4,001.5 | -1,222.9 | 28.8 | 97.4 | 171.2 |
| Days payables outstanding | 6.8 | 11.7 | 10.6 | 12.9 | 22.2 | 11.5 | 7.1 | 9.4 | 9.9 | 9.7 |
| Cash conversion cycle (days) | 29.1 | 31.2 | -1,021.1 | -5,326.8 | -15,640.4 | -3,973.7 | -1,187.3 | 100.1 | 202.6 | 272.0 |
| Receivables turnover | 10.18 | 8.50 | 8.64 | 8.06 | 7.41 | 9.29 | 8.54 | 4.52 | 3.17 | 3.30 |
| Payables turnover | 53.82 | 31.19 | 34.49 | 28.31 | 16.45 | 31.69 | 51.52 | 39.03 | 36.69 | 37.80 |
| Inventory turnover | — | — | — | — | — | — | — | 12.69 | 3.75 | 2.13 |
| Asset turnover | 0.06 | 0.06 | 0.06 | 0.05 | 0.04 | 0.06 | 0.07 | 0.06 | 0.06 | 0.06 |
| Average receivables | $18.3M | $20.9M | $19.1M | $15.8M | $13.6M | $11.1M | $9.0M | $14.4M | $19.1M | $18.0M |
| Average payables | $1.6M | $2.9M | $2.5M | $740,000 | $404,000 | $376,000 | $265,000 | $214,000 | $178,500 | $160,000 |
| Average inventory | — | — | −$244.6M | −$307.6M | −$285.3M | −$130.6M | −$45.7M | $658,000 | $1.7M | $2.8M |
| Intangibles / total assets | 1.0% | 1.1% | 1.1% | 1.1% | 1.3% | 1.2% | 1.6% | 2.3% | 2.7% | 2.9% |
Computed from MYFW's annual financial statements (latest annual report filed February 27, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
MYFW valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), First Western Financial traded at 20.2 times earnings, against a 10-year median of 15.1. Based on the latest twelve months, the trailing P/E is 15.8. First Western Financial earned a return on equity of 5.1% and a return on invested capital of 11.0% in fiscal 2025. It ended the year with $107.6 million of debt and $245.9 million in cash and short-term investments, a net cash position of $138.3 million. It returned $1.4 million to shareholders: $0.6 million in dividends and $0.8 million in share buybacks. The share count rose 32.0% from 7.5M to 10.0M over 9 years.
See the MYFW income statement, the MYFW chart for price history, or the MYFW stock overview for the latest quote and news.
MYFW key metrics FAQ
What is First Western Financial's P/E ratio?
First Western Financial's trailing P/E ratio is 15.8 based on the last twelve months of earnings (as of October 18, 2026). At the end of fiscal 2025 it was 20.2, compared with a 10-year median of 15.1.
What is First Western Financial's EV/EBITDA?
First Western Financial's enterprise value was 6.2 times EBITDA at the end of fiscal 2025 (enterprise value $128.6 million, EBITDA $20.6 million).
What is First Western Financial's return on equity?
First Western Financial's return on equity (ROE) was 5.1% in fiscal 2025: net income of $13.2 million on average shareholders' equity of $258.9 million.
What is First Western Financial's ROIC?
First Western Financial's return on invested capital was 11.0% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does First Western Financial have?
First Western Financial had total debt of $107.6 million at the end of fiscal 2025, a debt-to-equity ratio of 0.41 and more cash than debt.
What is First Western Financial's dividend yield?
First Western Financial paid $0.6 million in dividends in fiscal 2025 ($0.06 per share), a payout ratio of 4.4%.
Does First Western Financial buy back its shares?
Yes. First Western Financial spent $0.8 million on net share repurchases in fiscal 2025 Shares outstanding changed +1.9% over the year, to 10.0M..
What is First Western Financial's free cash flow yield?
First Western Financial generated -$5.8 million of free cash flow in fiscal 2025, a free cash flow yield of −2.2% on its market value at year-end ($266.9 million).
What is First Western Financial's current ratio?
First Western Financial's current ratio was 0.10 at the end of fiscal 2025: current assets were 0.10 times current liabilities.