FIRST WESTERN FINANCIAL INC (MYFW) Fundamental Analysis & Valuation

NASDAQ:MYFW • US33751L1052

Current stock price

24.41 USD
+0.16 (+0.66%)
At close:
24.41 USD
0 (0%)
After Hours:

This MYFW fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. MYFW Profitability Analysis

1.1 Basic Checks

  • In the past year MYFW was profitable.
  • MYFW had a positive operating cash flow in the past year.
  • Each year in the past 5 years MYFW has been profitable.
  • In multiple years MYFW reported negative operating cash flow during the last 5 years.
MYFW Yearly Net Income VS EBIT VS OCF VS FCFMYFW Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M 150M

1.2 Ratios

  • The Return On Assets of MYFW (0.39%) is worse than 84.51% of its industry peers.
  • MYFW has a Return On Equity of 4.83%. This is amonst the worse of the industry: MYFW underperforms 80.58% of its industry peers.
Industry RankSector Rank
ROA 0.39%
ROE 4.83%
ROIC N/A
ROA(3y)0.29%
ROA(5y)0.49%
ROE(3y)3.49%
ROE(5y)5.78%
ROIC(3y)N/A
ROIC(5y)N/A
MYFW Yearly ROA, ROE, ROICMYFW Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10 15

1.3 Margins

  • Looking at the Profit Margin, with a value of 12.79%, MYFW is doing worse than 81.89% of the companies in the same industry.
  • In the last couple of years the Profit Margin of MYFW has declined.
  • The Operating Margin and Gross Margin are not available for MYFW so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 12.79%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-12.7%
PM growth 5Y-12.47%
GM growth 3YN/A
GM growth 5YN/A
MYFW Yearly Profit, Operating, Gross MarginsMYFW Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10 15 20 25

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1

2. MYFW Health Analysis

2.1 Basic Checks

  • MYFW does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • MYFW has more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for MYFW has been increased compared to 5 years ago.
  • MYFW has a better debt/assets ratio than last year.
MYFW Yearly Shares OutstandingMYFW Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M
MYFW Yearly Total Debt VS Total AssetsMYFW Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

2.2 Solvency

  • MYFW has a debt to FCF ratio of 30.85. This is a negative value and a sign of low solvency as MYFW would need 30.85 years to pay back of all of its debts.
  • MYFW has a worse Debt to FCF ratio (30.85) than 83.46% of its industry peers.
  • MYFW has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of MYFW (0.17) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 30.85
Altman-Z N/A
ROIC/WACCN/A
WACC23.01%
MYFW Yearly LT Debt VS Equity VS FCFMYFW Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MYFW Yearly Current Assets VS Current LiabilitesMYFW Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. MYFW Growth Analysis

3.1 Past

  • MYFW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 55.17%, which is quite impressive.
  • MYFW shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -15.64% yearly.
  • The Revenue has grown by 10.80% in the past year. This is quite good.
  • The Revenue has been growing slightly by 0.94% on average over the past years.
EPS 1Y (TTM)55.17%
EPS 3Y-16.75%
EPS 5Y-15.64%
EPS Q2Q%21.43%
Revenue 1Y (TTM)10.8%
Revenue growth 3Y-2.97%
Revenue growth 5Y0.94%
Sales Q2Q%14.08%

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 37.05% on average per year.
  • MYFW is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.74% yearly.
EPS Next Y54.13%
EPS Next 2Y37.05%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.79%
Revenue Next 2Y10.74%
Revenue Next 3YN/A
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.
MYFW Yearly Revenue VS EstimatesMYFW Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M 100M
MYFW Yearly EPS VS EstimatesMYFW Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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4

4. MYFW Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 18.08, 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 81.36% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.11. MYFW is valued slightly cheaper when compared to this.
  • A Price/Forward Earnings ratio of 11.73 indicates a reasonable valuation of MYFW.
  • Based on the Price/Forward Earnings ratio, MYFW is valued a bit more expensive than 64.57% of the companies in the same industry.
  • MYFW's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.12.
Industry RankSector Rank
PE 18.08
Fwd PE 11.73
MYFW Price Earnings VS Forward Price EarningsMYFW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 83.73% of the companies in the same industry are cheaper than MYFW, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 160.86
EV/EBITDA N/A
MYFW Per share dataMYFW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • The 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 37.05% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.33
PEG (5Y)N/A
EPS Next 2Y37.05%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. MYFW Dividend Analysis

5.1 Amount

  • No dividends for MYFW!.
Industry RankSector Rank
Dividend Yield 0%

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MYFW Fundamentals: All Metrics, Ratios and Statistics

FIRST WESTERN FINANCIAL INC

NASDAQ:MYFW (3/17/2026, 8:00:01 PM)

After market: 24.41 0 (0%)

24.41

+0.16 (+0.66%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-22
Inst Owners68.26%
Inst Owner Change4.1%
Ins Owners15.41%
Ins Owner Change0.51%
Market Cap237.75M
Revenue(TTM)101.94M
Net Income(TTM)12.62M
Analysts80
Price Target28.56 (17%)
Short Float %1.46%
Short Ratio4.34
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)11.26%
EPS NQ rev (1m)12.52%
EPS NQ rev (3m)0.39%
EPS NY rev (1m)0%
EPS NY rev (3m)2.55%
Revenue NQ rev (1m)0.37%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-1.28%
Revenue NY rev (3m)-1.74%
Valuation
Industry RankSector Rank
PE 18.08
Fwd PE 11.73
P/S 2.41
P/FCF 160.86
P/OCF 52.36
P/B 0.91
P/tB 1.03
EV/EBITDA N/A
EPS(TTM)1.35
EY5.53%
EPS(NY)2.08
Fwd EY8.52%
FCF(TTM)0.15
FCFY0.62%
OCF(TTM)0.47
OCFY1.91%
SpS10.13
BVpS26.85
TBVpS23.62
PEG (NY)0.33
PEG (5Y)N/A
Graham Number28.56
Profitability
Industry RankSector 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)0.29%
ROA(5y)0.49%
ROE(3y)3.49%
ROE(5y)5.78%
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-12.7%
PM growth 5Y-12.47%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector 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
WACC23.01%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)55.17%
EPS 3Y-16.75%
EPS 5Y-15.64%
EPS Q2Q%21.43%
EPS Next Y54.13%
EPS Next 2Y37.05%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.8%
Revenue growth 3Y-2.97%
Revenue growth 5Y0.94%
Sales Q2Q%14.08%
Revenue Next Year11.79%
Revenue Next 2Y10.74%
Revenue Next 3YN/A
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-89.71%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-70.98%
OCF growth 3YN/A
OCF growth 5YN/A

FIRST WESTERN FINANCIAL INC / MYFW Fundamental Analysis FAQ

What is the ChartMill fundamental rating of FIRST WESTERN FINANCIAL INC (MYFW) stock?

ChartMill assigns a fundamental rating of 3 / 10 to MYFW.


Can you provide the valuation status for FIRST WESTERN FINANCIAL INC?

ChartMill assigns a valuation rating of 4 / 10 to FIRST WESTERN FINANCIAL INC (MYFW). This can be considered as Fairly Valued.


What is the profitability of MYFW stock?

FIRST WESTERN FINANCIAL INC (MYFW) has a profitability rating of 2 / 10.


Can you provide the PE and PB ratios for MYFW stock?

The Price/Earnings (PE) ratio for FIRST WESTERN FINANCIAL INC (MYFW) is 18.08 and the Price/Book (PB) ratio is 0.91.


Can you provide the dividend sustainability for MYFW stock?

The dividend rating of FIRST WESTERN FINANCIAL INC (MYFW) is 0 / 10 and the dividend payout ratio is 0%.