What is First Western Financial, Inc.'s earnings per share (EPS)?

First Western Financial, Inc. (MYFW) reported diluted earnings per share of $1.34 for fiscal year 2025. This represents a 54.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

First Western Financial, Inc. (MYFW) Financials

MYFW

Trailing 12 months to June 30, 2026

Revenue $109.8M +15.7% YoY

Net Income $18.4M +59.4% YoY

EPS (Diluted) $1.86 +56.3% YoY

Free Cash Flow $22.8M +105.8% YoY

Market Cap $293.8M as of Oct 3, 2026

Price / Sales 2.7x on $109.8M revenue, trailing 12 months to June 30, 2026

Price / Earnings 15.9x on $18.4M net income, trailing 12 months to June 30, 2026

Price / Book 1.0x on $280.6M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 3, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Jul 31, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Jul 31, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the MYFW SEC filings page.

First Western Financial, Inc. (MYFW) reported $109.8M in revenue over the twelve months to Jun 30, 2026, up 15.7% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 9 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI MYFW FY2025 2026-10-04

FY2025 restored earnings while cash flow turned negative and liabilities continued to finance most of the balance sheet.

FY2025 net income reached $13.2M while operating cash flow was -$1.8M, so reported profitability did not translate into cash generation. That divergence widened versus FY2024, when operating cash flow remained positive despite lower earnings, pointing to uneven earnings quality rather than a simple profit recovery.

Net profit margin improved from 5.6% in FY2023 to 12.9% in FY2025, while return on assets rose only from 0.2% to 0.4%. Earnings recovered faster than asset productivity, consistent with a balance sheet whose scale still limits returns.

The 2025 balance sheet carried 10.9x debt to equity, alongside negative free cash flow for the second consecutive year. That combination indicates the business is expanding or funding assets with substantial balance-sheet financing rather than relying solely on internally generated cash.

Financial Health Signals

Financial Health Score 29/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of First Western Financial, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

First Western Financial, Inc. earned a return on assets of 0.4% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.3% the prior year. Earnings ranks banks on that return over three years, and First Western Financial, Inc. scores 23/100 among other banks.

Growth

First Western Financial, Inc. reported revenue of $101.9M in fiscal year 2025, against $92.0M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and First Western Financial, Inc. scores 36/100 among other banks.

Capital

First Western Financial, Inc. funded 8.4% of its assets with shareholders' equity at the end of fiscal year 2025, holding $265.6M of equity against $3.2B of assets. Capital ranks banks on that cushion, and First Western Financial, Inc. scores 12/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. First Western Financial, Inc. scores 15/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. First Western Financial, Inc. scores 52/100 on it among other banks.

Stability

First Western Financial, Inc. reported net income of $13.2M in fiscal year 2025, against $8.5M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and First Western Financial, Inc. scores 33/100 among other banks.

Piotroski F-Score Partial

3/6

First Western Financial, Inc. passes 3 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality No Cash Backing

$0.14used

For every $1 of reported earnings, First Western Financial, Inc. used $0.14 of operating cash (-$1.8M OCF vs $13.2M net income). Earnings that no cash stands behind rest on accounting accruals, which cannot be repeated indefinitely.

Key Financial Metrics

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Earnings & Revenue

Revenue

$28.6M

YoY+18.3%

QoQ+1.2%

5Y CAGR+3.8%

First Western Financial, Inc. generated $28.6M in revenue in Q2 2026. This represents an increase of 18.3% from the same quarter a year earlier. Against the prior quarter it is up 1.2%.

Net Income

$5.7M

YoY+128.9%

QoQ-7.7%

5Y CAGR-1.8%

First Western Financial, Inc. reported $5.7M in net income in Q2 2026. This represents an increase of 128.9% from the same quarter a year earlier. Against the prior quarter it is down 7.7%.

EPS (Diluted)

$0.57

YoY+119.2%

QoQ-9.5%

5Y CAGR-5.6%

First Western Financial, Inc. earned $0.57 per diluted share (EPS) in Q2 2026. This represents an increase of 119.2% from the same quarter a year earlier. Against the prior quarter it is down 9.5%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$11.2M

YoY+216.5%

QoQ-23.2%

5Y CAGR-39.7%

First Western Financial, Inc. generated $11.2M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 216.5% from the same quarter a year earlier. Against the prior quarter it is down 23.2%.

Cash & Debt

$174.9M

YoY-24.7%

QoQ-33.8%

5Y CAGR-9.6%

First Western Financial, Inc. held $174.9M in cash as of Q2 2026; long-term debt is not reported for that period.

Shares Outstanding

10M

YoY+0.5%

QoQ+0.4%

5Y CAGR+4.1%

First Western Financial, Inc. had 10M shares outstanding in Q2 2026. This represents an increase of 0.5% from the same quarter a year earlier. Against the prior quarter it is up 0.4%.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Net Margin

20.0%

YoY+9.7pp

QoQ-1.9pp

5Y change-6.4pp

First Western Financial, Inc.'s net profit margin was 20.0% in Q2 2026, showing the share of revenue converted to profit. This is up 9.7 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.9 percentage points.

Return on Equity

2.0%

YoY+1.1pp

QoQ-0.2pp

5Y change-1.7pp

First Western Financial, Inc.'s ROE was 2.0% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 1.1 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.2 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

YoY-100.0%

QoQ-100.0%

First Western Financial, Inc. repurchased no shares in Q2 2026. This represents a decrease of 100.0% from the same quarter a year earlier. Against the prior quarter it is down 100.0%.

Capital Expenditures

$931K

YoY+61.9%

QoQ+50.4%

5Y CAGR+19.7%

First Western Financial, Inc. invested $931K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 61.9% from the same quarter a year earlier. Against the prior quarter it is up 50.4%.

R&D Spending

Not reported for Q2 2026.

MYFW Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

MYFW quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K
Revenue	$109.8M	$101.9M+10.8%	$92.0M-1.1%	$93.1M-16.6%	$111.6M+15.5%	$96.6M-0.7%	$97.3M+50.5%	$64.6M+11.8%	$57.8M+4.5%	$55.3M
SG&A Expenses	$49.6M	$46.1M+2.4%	$45.0M-0.4%	$45.2M-6.3%	$48.2M+18.4%	$40.7M+17.1%	$34.8M+9.4%	$31.8M+6.8%	$29.8M+3.9%	$28.7M
Interest Expense	-$16.6M	$2.4M-97.3%	$88.3M+18.6%	$74.5M+331.1%	$17.3M+218.9%	$5.4M-25.1%	$7.2M-44.3%	$13.0M+59.0%	$8.2M+41.9%	$5.8M
Income Tax	$5.5M	$3.9M+25.1%	$3.1M+69.2%	$1.8M-74.2%	$7.1M+6.9%	$6.7M-21.8%	$8.5M+290.7%	$2.2M+23.0%	$1.8M-40.5%	$3.0M
Net Income	$18.4M	$13.2M+55.6%	$8.5M+62.2%	$5.2M-75.9%	$21.7M+5.3%	$20.6M-16.0%	$24.5M+206.3%	$8.0M+41.8%	$5.6M+179.1%	$2.0M
EPS (Basic)	N/A	$1.36+54.5%	$0.88+60.0%	$0.55-76.0%	$2.29-11.2%	$2.58-17.0%	$3.11+204.9%	$1.02+59.4%	$0.64+1380.0%	-$0.05
EPS (Diluted)	$1.86	$1.34+54.0%	$0.87+61.1%	$0.54-75.8%	$2.23-10.8%	$2.50-18.8%	$3.08+205.0%	$1.01+60.3%	$0.63+1360.0%	-$0.05
Diluted Shares (Avg)	N/A	10M+0.8%	10M+0.3%	10M+0.1%	10M+18.0%	8M+3.4%	8M+0.6%	8M+17.2%	7M+20.9%	6M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$28.6M+18.3%	$28.3M+14.0%	$26.7M+14.1%	$26.3M+16.7%	$24.2M+6.3%	$24.8M+6.2%	$23.4M+5.7%	$22.5M-1.4%
SG&A Expenses	$13.0M+18.3%	$12.9M+12.7%	$11.7M+4.4%	$11.9M+3.9%	$11.0M-0.7%	$11.5M+1.9%	$11.2M+12.5%	$11.4M+4.3%
Interest Expense	$700K+16.7%	$700K-96.5%	-$18.6M-187.5%	$600K-97.3%	$600K-97.3%	$19.8M-11.5%	$21.2M-2.1%	$22.5M+14.2%
Income Tax	$1.7M+105.4%	$1.9M+61.7%	$1.1M-3.9%	$779K+45.1%	$814K+140.1%	$1.2M+10.2%	$1.2M+202.5%	$537K-51.4%
Net Income	$5.7M+128.9%	$6.2M+48.3%	$3.3M+20.6%	$3.2M+49.3%	$2.5M+132.6%	$4.2M+66.4%	$2.7M+185.4%	$2.1M-31.6%
EPS (Basic)	$0.59+126.9%	$0.64+48.8%	$0.34+17.2%	$0.33+50.0%	$0.26+136.4%	$0.43+65.4%	$0.29+185.3%	$0.22-33.3%
EPS (Diluted)	$0.57+119.2%	$0.63+46.5%	$0.34+21.4%	$0.32+45.5%	$0.26+136.4%	$0.43+65.4%	$0.28+184.8%	$0.22-31.3%
Diluted Shares (Avg)	10M+1.4%	10M+1.0%	N/A	10M+1.0%	10M+0.6%	10M+0.9%	N/A	10M+0.2%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

MYFW Balance Sheet

MYFW quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K
Total Assets	$3.2B+8.1%	$2.9B-1.9%	$3.0B+3.8%	$2.9B+13.4%	$2.5B+28.1%	$2.0B+57.7%	$1.3B+15.4%	$1.1B+11.8%	$969.7M
Cash & Equivalents	$200.3M-15.1%	$236.0M-7.5%	$255.2M+29.9%	$196.5M-49.2%	$387.0M+148.1%	$156.0M+98.4%	$78.6M+7.2%	$73.4M+672.0%	$9.5M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	$4.6M-3.9%	$4.8M-6.5%	$5.1M+4.6%	$4.9M-7.5%	$5.3M+8.3%	$4.9M-7.1%	$5.2M+16.6%	$4.5M-19.7%	$5.6M
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$30.4M0.0%	$30.4M0.0%	$30.4M0.0%	$30.4M-0.6%	$30.6M+26.4%	$24.2M+22.9%	$19.7M-20.7%	$24.8M0.0%	$24.8M
Total Liabilities	$2.9B+8.4%	$2.7B-2.4%	$2.7B+4.1%	$2.6B+13.8%	$2.3B+26.9%	$1.8B+61.8%	$1.1B+16.2%	$967.4M+11.5%	$867.8M
Long-Term Debt	N/A	$0	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$265.6M+5.2%	$252.3M+3.9%	$242.7M+0.8%	$240.9M+10.0%	$219.0M+41.4%	$155.0M+21.4%	$127.7M+9.2%	$116.9M+14.8%	$101.8M
Retained Earnings	$72.7M+22.2%	$59.5M+16.6%	$51.0M-1.6%	$51.9M+71.9%	$30.2M+215.2%	$9.6M+164.1%	-$15.0M+35.5%	-$23.2M+15.0%	-$27.3M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$3.2B+7.0%	$3.2B+11.5%	$3.2B+8.1%	$3.2B+11.3%	$3.0B+3.0%	$2.9B-0.9%	$2.9B-1.9%	$2.9B-3.0%
Cash & Equivalents	$174.9M-24.7%	$264.1M-2.8%	$200.3M-15.1%	$355.6M+27.9%	$232.3M-5.5%	$271.6M+5.3%	$236.0M-7.5%	$278.1M+2.4%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	$4.8M+7.8%	$5.5M+21.2%	$4.6M-3.9%	$4.7M-3.6%	$4.4M-13.3%	$4.5M-9.5%	$4.8M-6.5%	$4.9M-8.1%
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$30.4M0.0%	$30.4M0.0%	$30.4M0.0%	$30.4M0.0%	$30.4M0.0%	$30.4M0.0%	$30.4M0.0%	$30.4M0.0%
Total Liabilities	$3.0B+6.8%	$3.0B+12.0%	$2.9B+8.4%	$3.0B+11.9%	$2.8B+2.9%	$2.6B-1.4%	$2.7B-2.4%	$2.7B-3.4%
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	$0	N/A
Total Equity	$280.6M+8.4%	$273.4M+6.6%	$265.6M+5.2%	$261.5M+5.1%	$258.8M+4.8%	$256.6M+4.5%	$252.3M+3.9%	$248.8M+1.0%
Retained Earnings	$84.6M+27.8%	$78.9M+23.9%	$72.7M+22.2%	$69.4M+22.2%	$66.2M+21.2%	$63.7M+18.9%	$59.5M+16.6%	$56.8M+4.6%

Not reported in any period shown, so not listed: Current Assets, Inventory, Current Liabilities, Non-Current Liabilities.

MYFW Cash Flow Statement

MYFW quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K
Operating Cash Flow	$26.7M	-$1.8M-396.9%	$606K-97.2%	$21.9M-54.7%	$48.3M-70.3%	$162.5M+274.1%	-$93.3M-333.8%	-$21.5M-220.9%	$17.8M+427.8%	-$5.4M
Depreciation & Amortization	N/A	$2.6M+2.8%	$2.6M+7.9%	$2.4M+18.1%	$2.0M+60.2%	$1.3M+12.4%	$1.1M-33.2%	$1.7M-24.8%	$2.2M-9.2%	$2.4M
Stock-Based Compensation	N/A	$2.2M+46.2%	$1.5M-19.4%	$1.8M-28.1%	$2.6M-11.7%	$2.9M+14.1%	$2.5M+11.0%	$2.3M+23.4%	$1.9M+43.1%	$1.3M
Capital Expenditures	$3.9M	$4.0M+227.3%	$1.2M-48.3%	$2.3M-20.9%	$3.0M+40.7%	$2.1M+74.9%	$1.2M+190.4%	$415K-41.9%	$714K+43.1%	$499K
Free Cash Flow	$22.8M	-$5.8M-850.4%	-$607K-103.1%	$19.5M-56.9%	$45.3M-71.8%	$160.4M+269.7%	-$94.5M-331.1%	-$21.9M-228.3%	$17.1M+388.2%	-$5.9M
Investing Cash Flow	-$274.8M	-$264.4M-498.0%	$66.4M+200.1%	-$66.4M+88.1%	-$558.8M-1198.8%	-$43.0M+90.6%	-$456.0M-291.8%	-$116.4M-84.5%	-$63.1M+38.2%	-$102.1M
Financing Cash Flow	$188.7M	$228.6M+371.2%	-$84.3M-182.3%	$102.4M-68.0%	$320.0M+187.0%	$111.5M-82.2%	$626.7M+337.7%	$143.2M+31.2%	$109.1M+101.0%	$54.3M
Dividends Paid	N/A	$0	$0	$0	$0	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$447K	$784K+780.9%	$89K	$0	N/A	N/A	$377K-49.3%	$743K+310.5%	$181K	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$12.2M+234.1%	$15.3M+90.4%	-$10.8M-143.7%	$10.0M-46.8%	-$9.1M+20.9%	$8.0M+442.5%	-$4.4M-137.3%	$18.8M+28.3%
Depreciation & Amortization	$653K-5.8%	$640K-4.8%	$626K-4.6%	$645K-0.8%	$693K+9.7%	$672K+7.5%	$656K+4.3%	$650K+10.4%
Stock-Based Compensation	$400K+33.3%	$798K+89.1%	N/A	$100K+117.4%	$300K0.0%	$422K+101.9%	N/A	$46K-54.0%
Capital Expenditures	$931K+61.9%	$619K-40.5%	$1.3M+239.9%	$1.1M+269.9%	$575K+57.5%	$1.0M+475.1%	$378K-17.3%	$289K-37.8%
Free Cash Flow	$11.2M+216.5%	$14.6M+110.0%	-$12.0M-151.3%	$9.0M-51.7%	-$9.7M+18.5%	$7.0M+376.6%	-$4.8M-142.2%	$18.6M+30.4%
Investing Cash Flow	-$91.7M+37.8%	-$33.4M-202.5%	-$54.1M-30.3%	-$95.5M-291.6%	-$147.4M-11347.5%	$32.6M-45.2%	-$41.6M-1053.9%	$49.8M+252.1%
Financing Cash Flow	-$9.6M-108.2%	$81.9M+1713.2%	-$90.5M-1661.3%	$206.9M+657.5%	$117.3M+16943.6%	-$5.1M+90.5%	$5.8M+122.9%	-$37.1M-362.9%
Share Buybacks	$0-100.0%	$146K+7200.0%	$0	$301K+238.2%	$481K	$2K	$0	$89K

Not reported in any period shown, so not listed: Dividends Paid.

MYFW Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

MYFW quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K
Net Margin	12.9%+3.7pp	9.2%+3.6pp	5.6%-13.8pp	19.4%-1.9pp	21.3%-3.9pp	25.2%+12.8pp	12.4%+2.6pp	9.8%+6.1pp	3.7%
Return on Equity	5.0%+1.6pp	3.4%+1.2pp	2.1%-6.9pp	9.0%-0.4pp	9.4%-6.4pp	15.8%+9.6pp	6.3%+1.4pp	4.8%+2.8pp	2.0%
Return on Assets	0.4%+0.1pp	0.3%+0.1pp	0.2%-0.6pp	0.8%-0.1pp	0.8%-0.4pp	1.2%+0.6pp	0.6%+0.1pp	0.5%+0.3pp	0.2%
Debt-to-Equity	10.88+10.9x	0.00-11.3x	11.26+0.4x	10.90+0.4x	10.54-1.2x	11.74+2.9x	8.80+0.5x	8.28-0.2x	8.52
Asset Turnover	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.050.0x	0.050.0x	0.050.0x	0.06
FCF Margin	-5.7%-5.0pp	-0.7%-21.6pp	21.0%-19.6pp	40.6%	166.0%	-97.2%-63.2pp	-33.9%-63.5pp	29.6%+40.3pp	-10.7%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	20.0%+9.7pp	22.0%+5.1pp	12.4%+0.7pp	12.1%+2.6pp	10.3%+5.6pp	16.9%+6.1pp	11.8%+26.3pp	9.5%-4.2pp
Return on Equity	2.0%+1.1pp	2.3%+0.6pp	1.3%+0.2pp	1.2%+0.4pp	1.0%+0.5pp	1.6%+0.6pp	1.1%+2.4pp	0.9%-0.4pp
Return on Assets	0.2%+0.1pp	0.2%+0.1pp	0.1%0.0pp	0.1%0.0pp	0.1%0.0pp	0.1%+0.1pp	0.1%+0.2pp	0.1%0.0pp
Debt-to-Equity	10.54-0.2x	10.85+0.5x	10.88+10.9x	11.39+0.7x	10.69-0.2x	10.33-0.6x	0.00-11.3x	10.70-0.5x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	39.3%+79.2pp	51.8%+23.7pp	-45.2%-24.7pp	34.1%-48.3pp	-39.9%+12.2pp	28.1%+38.9pp	-20.5%-71.9pp	82.3%+20.1pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
First Western Financial, Inc. MYFW	FY2025	$101.9M	$13.2M	12.9%	$293.8M	29/100
First United Corp FUNC	FY2025	$88.7M	$24.5M	27.6%	$281.5M	55/100
Isabella Bank Corporation ISBA	FY2025	$78.5M	$18.9M	24.1%	$290.8M	51/100
Chain Bridge Bancorp, Inc. CBNA	FY2025	$55.0M	$20.2M	36.8%	$310.2M	60/100
C&F Financial Corp CFFI	FY2025	$140.8M	$26.8M	19.1%	$319.6M	37/100

Where First Western Financial, Inc. Ranks

Frequently Asked Questions

What is First Western Financial, Inc.'s annual revenue?

First Western Financial, Inc. (MYFW) reported $101.9M in total revenue for fiscal year 2025. This represents a 10.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is First Western Financial, Inc.'s revenue growing?

First Western Financial, Inc. (MYFW) revenue grew by 10.8% year-over-year, from $92.0M to $101.9M in fiscal year 2025.

Is First Western Financial, Inc. profitable?

Yes, First Western Financial, Inc. (MYFW) reported a net income of $13.2M in fiscal year 2025, with a net profit margin of 12.9%.

What is First Western Financial, Inc.'s net profit margin?

First Western Financial, Inc. (MYFW) had a net profit margin of 12.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is First Western Financial, Inc.'s return on equity (ROE)?

First Western Financial, Inc. (MYFW) has a return on equity of 5.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is First Western Financial, Inc.'s free cash flow?

First Western Financial, Inc. (MYFW) recorded an outflow of $5.8M in free cash flow during fiscal year 2025. This represents a -850.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is First Western Financial, Inc.'s operating cash flow?

First Western Financial, Inc. (MYFW) recorded an outflow of $1.8M in operating cash flow during fiscal year 2025, representing cash used by core business activities.

What are First Western Financial, Inc.'s total assets?

First Western Financial, Inc. (MYFW) had $3.2B in total assets as of fiscal year 2025, including both current and long-term assets.

What are First Western Financial, Inc.'s capital expenditures?

First Western Financial, Inc. (MYFW) invested $4.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does First Western Financial, Inc. buy back shares?

Yes, First Western Financial, Inc. (MYFW) spent $784K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does First Western Financial, Inc. have outstanding?

First Western Financial, Inc. (MYFW) had 10M shares outstanding as of fiscal year 2025.

What is First Western Financial, Inc.'s debt-to-equity ratio?

First Western Financial, Inc. (MYFW) had a debt-to-equity ratio of 10.88 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is First Western Financial, Inc.'s return on assets (ROA)?

First Western Financial, Inc. (MYFW) had a return on assets of 0.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is First Western Financial, Inc.'s P/E ratio?

First Western Financial, Inc. (MYFW) trades at 15.9x earnings, its market capitalization divided by net income of $18.4M net income, trailing 12 months to June 30, 2026. The market capitalization is $293.8M as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is First Western Financial, Inc.'s price-to-sales ratio?

First Western Financial, Inc. (MYFW) trades at 2.7x sales, its market capitalization divided by revenue of $109.8M revenue, trailing 12 months to June 30, 2026. The market capitalization is $293.8M as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is First Western Financial, Inc.'s Piotroski F-Score?

First Western Financial, Inc. (MYFW) has a Piotroski F-Score of 3 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are First Western Financial, Inc.'s earnings high quality?

For every $1 of reported earnings, First Western Financial, Inc. (MYFW) used $0.14 of operating cash (-$1.8M OCF vs $13.2M net income). Earnings that no cash stands behind rest on accounting accruals, which cannot be repeated indefinitely. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is First Western Financial, Inc.?

First Western Financial, Inc. (MYFW) scores 29 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.