First Western Financial (MYFW) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

First Western Financial

NasdaqGS•Financial Services•Banks - Regional

$30.62+0.02(<0.01%)After hours

Market Cap

$298.67M

P/E

16.2x

P/S

2.8x

P/B

1.1x

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.

How this company scores

WeakMetricSide Score: 70/100

Grade capped at D — Interest coverage below 1× (0.4x) — earnings cannot cover interest. Strongest: Growth (22/25); weakest: Balance Sheet & Red Flags (8/25).

Profitability18/25

Growth22/25

Balance Sheet & Red Flags8/25

Cash & Earnings Quality22/25

Strengths

Rising free cash flowStrong marginsRising earningsCash-backed earnings

Grade capped at D

Interest coverage below 1× (0.4x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 16.2x5y range 9.3x – 77.1x

Currently near its 20-quarter median.

P/S · 2.8x5y range 1.7x – 3.0x

Currently near its 20-quarter median.

P/B · 1.1x5y range 0.6x – 1.3x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Cash Burn

Watch

FCF turned negative in 3 of the last 8 quarters — occasional cash consumption.

Price & Volume

Market Cap $298.67M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $106.67M
Q. Revenue: $28.62M
TTM EBITDA: $26.50M
TTM Op. Income: $23.94M
Q. Op. Income: $7.44M
TTM Net Income: $18.44M
Q. Net Income: $5.73M
EPS: $0.59
Shares Out.: $9.76M

$106.67M in TTM revenue grew 14.1% YoY, reaching $28.62M last quarter. TTM EBITDA of $26.50M and TTM operating income of $23.94M show growth is flowing through to the bottom line. TTM net income of $18.44M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 29.8%
EBITDA Margin: 28.3%
Op. Margin: 26.0%
Net Margin: 20.0%

Op. margin of 26.0% is up 10.9% YoY — cost efficiency is improving. Net margin at 20.0% and gross margin of 29.8% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 72% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 16.2x
P/S Ratio: 2.8x
P/B Ratio: 1.1x

At 16.2x P/E, the stock trades within typical market levels. P/S of 2.8x and P/B of 1.1x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is down 14% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $3.24B
Cash: $174.89M
Long-Term Debt: N/A
Book Value: $280.59M
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $12.18M
TTM Free Cash Flow: $22.81M
FCF Margin: 21.4%
FCF / Net Income: 1.2

TTM FCF of $22.81M on $12.18M in operating cash flow. The FCF / Net Income ratio of 1.2x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.