24.56 USD
-0.1 (-0.41%)
Taking everything into account, MYFW scores 3 out of 10 in our fundamental rating. MYFW was compared to 387 industry peers in the Banks industry. MYFW has a bad profitability rating. Also its financial health evaluation is rather negative. MYFW is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
MYFW had positive earnings in the past year.
MYFW had a positive operating cash flow in the past year.
In the past 5 years MYFW has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: MYFW reported negative operating cash flow in multiple years.
1.2 Ratios
With a Return On Assets value of 0.39%, MYFW is not doing good in the industry: 82.95% of the companies in the same industry are doing better.
The Return On Equity of MYFW (4.83%) is worse than 78.55% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.39% | ||
| ROE | 4.83% | ||
| ROIC | N/A |
ROA(3y)0.41%
ROA(5y)0.66%
ROE(3y)4.84%
ROE(5y)7.95%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
MYFW has a Profit Margin of 12.79%. This is amonst the worse of the industry: MYFW underperforms 81.40% of its industry peers.
In the last couple of years the Profit Margin of MYFW has declined.
MYFW does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 12.79% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-24.41%
PM growth 5Y-5.72%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
MYFW does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, MYFW has more shares outstanding
The number of shares outstanding for MYFW has been increased compared to 5 years ago.
The debt/assets ratio for MYFW is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of MYFW is 30.85, which is on the high side as it means it would take MYFW, 30.85 years of fcf income to pay off all of its debts.
MYFW's Debt to FCF ratio of 30.85 is on the low side compared to the rest of the industry. MYFW is outperformed by 84.24% of its industry peers.
A Debt/Equity ratio of 0.17 indicates that MYFW is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.17, MYFW perfoms like the industry average, outperforming 47.80% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 30.85 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC23%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
MYFW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 108.06%, which is quite impressive.
The Earnings Per Share has been decreasing by -6.38% on average over the past years.
The Revenue has grown by 8.35% in the past year. This is quite good.
MYFW shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.30% yearly.
EPS 1Y (TTM)108.06%
EPS 3Y-32.9%
EPS 5Y-6.38%
EPS Q2Q%45.45%
Revenue 1Y (TTM)8.35%
Revenue growth 3Y-1.61%
Revenue growth 5Y7.3%
Sales Q2Q%16.66%
3.2 Future
Based on estimates for the next years, MYFW will show a very strong growth in Earnings Per Share. The EPS will grow by 41.61% on average per year.
MYFW is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.66% yearly.
EPS Next Y68.09%
EPS Next 2Y52.72%
EPS Next 3Y41.61%
EPS Next 5YN/A
Revenue Next Year9.17%
Revenue Next 2Y11.45%
Revenue Next 3Y10.66%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 19.04, MYFW is valued on the expensive side.
Compared to the rest of the industry, the Price/Earnings ratio of MYFW indicates a rather expensive valuation: MYFW more expensive than 80.10% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.34. MYFW is valued slightly cheaper when compared to this.
MYFW is valuated correctly with a Price/Forward Earnings ratio of 12.10.
MYFW's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. MYFW is more expensive than 65.12% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.56. MYFW is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.04 | ||
| Fwd PE | 12.1 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, MYFW is valued more expensive than 84.24% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 161.35 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
MYFW's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
MYFW's earnings are expected to grow with 41.61% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.28
PEG (5Y)N/A
EPS Next 2Y52.72%
EPS Next 3Y41.61%
5. Dividend
5.1 Amount
MYFW does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:MYFW (12/8/2025, 8:28:38 PM)
24.56
-0.1 (-0.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners66.56%
Inst Owner Change4.71%
Ins Owners15.45%
Ins Owner Change-0.52%
Market Cap238.48M
Revenue(TTM)98.65M
Net Income(TTM)12.62M
Analysts80
Price Target25.67 (4.52%)
Short Float %1.36%
Short Ratio4.85
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-20.06%
Min EPS beat(2)-28.33%
Max EPS beat(2)-11.79%
EPS beat(4)2
Avg EPS beat(4)11.39%
Min EPS beat(4)-28.33%
Max EPS beat(4)81.45%
EPS beat(8)3
Avg EPS beat(8)-14.78%
EPS beat(12)3
Avg EPS beat(12)-19.34%
EPS beat(16)5
Avg EPS beat(16)-16.86%
Revenue beat(2)1
Avg Revenue beat(2)-2.76%
Min Revenue beat(2)-6.2%
Max Revenue beat(2)0.68%
Revenue beat(4)2
Avg Revenue beat(4)-2.7%
Min Revenue beat(4)-6.2%
Max Revenue beat(4)0.87%
Revenue beat(8)2
Avg Revenue beat(8)-4.4%
Revenue beat(12)2
Avg Revenue beat(12)-6.08%
Revenue beat(16)2
Avg Revenue beat(16)-5.67%
PT rev (1m)0%
PT rev (3m)-1.95%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.42%
EPS NY rev (1m)0.94%
EPS NY rev (3m)-2.27%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.76%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.04 | ||
| Fwd PE | 12.1 | ||
| P/S | 2.42 | ||
| P/FCF | 161.35 | ||
| P/OCF | 52.52 | ||
| P/B | 0.91 | ||
| P/tB | 1.04 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.29
EY5.25%
EPS(NY)2.03
Fwd EY8.26%
FCF(TTM)0.15
FCFY0.62%
OCF(TTM)0.47
OCFY1.9%
SpS10.16
BVpS26.93
TBVpS23.69
PEG (NY)0.28
PEG (5Y)N/A
Graham Number27.96
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.39% | ||
| ROE | 4.83% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 12.79% | ||
| GM | N/A | ||
| FCFM | 1.5% |
ROA(3y)0.41%
ROA(5y)0.66%
ROE(3y)4.84%
ROE(5y)7.95%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-24.41%
PM growth 5Y-5.72%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 30.85 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 114.89% | ||
| Cap/Sales | 3.1% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 11.71% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC23%
ROIC/WACCN/A
Cap/Depr(3y)98.68%
Cap/Depr(5y)113.33%
Cap/Sales(3y)2.18%
Cap/Sales(5y)1.99%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)108.06%
EPS 3Y-32.9%
EPS 5Y-6.38%
EPS Q2Q%45.45%
EPS Next Y68.09%
EPS Next 2Y52.72%
EPS Next 3Y41.61%
EPS Next 5YN/A
Revenue 1Y (TTM)8.35%
Revenue growth 3Y-1.61%
Revenue growth 5Y7.3%
Sales Q2Q%16.66%
Revenue Next Year9.17%
Revenue Next 2Y11.45%
Revenue Next 3Y10.66%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-92.34%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-79.54%
OCF growth 3YN/A
OCF growth 5YN/A
FIRST WESTERN FINANCIAL INC / MYFW FAQ
What is the ChartMill fundamental rating of FIRST WESTERN FINANCIAL INC (MYFW) stock?
ChartMill assigns a fundamental rating of 3 / 10 to MYFW.
What is the valuation status of FIRST WESTERN FINANCIAL INC (MYFW) stock?
ChartMill assigns a valuation rating of 3 / 10 to FIRST WESTERN FINANCIAL INC (MYFW). This can be considered as Overvalued.
How profitable is FIRST WESTERN FINANCIAL INC (MYFW) stock?
FIRST WESTERN FINANCIAL INC (MYFW) has a profitability rating of 2 / 10.
What are the PE and PB ratios of FIRST WESTERN FINANCIAL INC (MYFW) stock?
The Price/Earnings (PE) ratio for FIRST WESTERN FINANCIAL INC (MYFW) is 19.04 and the Price/Book (PB) ratio is 0.91.
How sustainable is the dividend of FIRST WESTERN FINANCIAL INC (MYFW) stock?
The dividend rating of FIRST WESTERN FINANCIAL INC (MYFW) is 0 / 10 and the dividend payout ratio is 0%.