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FIRST WESTERN FINANCIAL INC (MYFW) Stock Fundamental Analysis

NASDAQ:MYFW - Nasdaq - US33751L1052 - Common Stock - Currency: USD

21.24  +0.12 (+0.57%)

After market: 21.24 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to MYFW. MYFW was compared to 392 industry peers in the Banks industry. Both the profitability and financial health of MYFW have multiple concerns. MYFW has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

MYFW had positive earnings in the past year.
In the past year MYFW had a positive cash flow from operations.
In the past 5 years MYFW has always 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M 150M

1.2 Ratios

With a Return On Assets value of 0.35%, MYFW is not doing good in the industry: 83.16% of the companies in the same industry are doing better.
MYFW has a Return On Equity of 3.95%. This is amonst the worse of the industry: MYFW underperforms 81.12% of its industry peers.
Industry RankSector Rank
ROA 0.35%
ROE 3.95%
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
MYFW Yearly ROA, ROE, ROICMYFW Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

1.3 Margins

MYFW has a Profit Margin of 10.85%. This is amonst the worse of the industry: MYFW underperforms 82.40% of its industry peers.
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) 10.85%
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
MYFW Yearly Profit, Operating, Gross MarginsMYFW Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15 20 25

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1

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
MYFW has more shares outstanding than it did 5 years ago.
MYFW has a worse debt/assets ratio than last year.
MYFW Yearly Shares OutstandingMYFW Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 500M 1B 1.5B 2B 2.5B

2.2 Solvency

MYFW has a debt to FCF ratio of 5.98. This is a neutral value as MYFW would need 5.98 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 5.98, MYFW is doing worse than 71.43% of the companies in the same industry.
MYFW has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
MYFW has a Debt to Equity ratio (0.18) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 5.98
Altman-Z N/A
ROIC/WACCN/A
WACC24.16%
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 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 5M 10M 15M 20M

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 65.28% over the past year.
The Earnings Per Share has been decreasing by -6.38% on average over the past years.
Looking at the last year, MYFW shows a small growth in Revenue. The Revenue has grown by 3.85% in the last year.
Measured over the past years, MYFW shows a small growth in Revenue. The Revenue has been growing by 7.30% on average per year.
EPS 1Y (TTM)65.28%
EPS 3Y-32.9%
EPS 5Y-6.38%
EPS Q2Q%136.36%
Revenue 1Y (TTM)3.85%
Revenue growth 3Y-1.61%
Revenue growth 5Y7.3%
Sales Q2Q%6.31%

3.2 Future

The Earnings Per Share is expected to grow by 55.63% on average over the next years. This is a very strong growth
MYFW is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.29% yearly.
EPS Next Y93.6%
EPS Next 2Y55.63%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.71%
Revenue Next 2Y10.29%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
MYFW Yearly Revenue VS EstimatesMYFW Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 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 1 2 3

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4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 17.85, MYFW is valued on the expensive side.
MYFW's Price/Earnings ratio is a bit more expensive when compared to the industry. MYFW is more expensive than 77.81% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.03, MYFW is valued a bit cheaper.
The Price/Forward Earnings ratio is 10.08, which indicates a very decent valuation of MYFW.
MYFW's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of MYFW to the average of the S&P500 Index (36.28), we can say MYFW is valued rather cheaply.
Industry RankSector Rank
PE 17.85
Fwd PE 10.08
MYFW Price Earnings VS Forward Price EarningsMYFW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

77.55% of the companies in the same industry are cheaper than MYFW, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 26.69
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 55.63% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.19
PEG (5Y)N/A
EPS Next 2Y55.63%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for MYFW!.
Industry RankSector Rank
Dividend Yield N/A

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FIRST WESTERN FINANCIAL INC

NASDAQ:MYFW (8/5/2025, 8:00:01 PM)

After market: 21.24 0 (0%)

21.24

+0.12 (+0.57%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24 2025-07-24/amc
Earnings (Next)10-22 2025-10-22/amc
Inst Owners60.83%
Inst Owner Change-2.25%
Ins Owners15.55%
Ins Owner Change0.95%
Market Cap206.45M
Analysts80
Price Target25.16 (18.46%)
Short Float %0.88%
Short Ratio1.2
Dividend
Industry RankSector 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)2
Avg EPS beat(2)42.85%
Min EPS beat(2)4.25%
Max EPS beat(2)81.45%
EPS beat(4)2
Avg EPS beat(4)-0.47%
Min EPS beat(4)-64.41%
Max EPS beat(4)81.45%
EPS beat(8)3
Avg EPS beat(8)-21.4%
EPS beat(12)4
Avg EPS beat(12)-17.98%
EPS beat(16)6
Avg EPS beat(16)-13.44%
Revenue beat(2)1
Avg Revenue beat(2)-2.65%
Min Revenue beat(2)-6.16%
Max Revenue beat(2)0.87%
Revenue beat(4)1
Avg Revenue beat(4)-5.38%
Min Revenue beat(4)-8.39%
Max Revenue beat(4)0.87%
Revenue beat(8)1
Avg Revenue beat(8)-6.6%
Revenue beat(12)1
Avg Revenue beat(12)-6.37%
Revenue beat(16)2
Avg Revenue beat(16)-5.61%
PT rev (1m)1.37%
PT rev (3m)8.03%
EPS NQ rev (1m)0%
EPS NQ rev (3m)12.08%
EPS NY rev (1m)-0.6%
EPS NY rev (3m)17.37%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.68%
Revenue NY rev (1m)-1.51%
Revenue NY rev (3m)-1.92%
Valuation
Industry RankSector Rank
PE 17.85
Fwd PE 10.08
P/S 2.21
P/FCF 26.69
P/OCF 21.05
P/B 0.8
P/tB 0.92
EV/EBITDA N/A
EPS(TTM)1.19
EY5.6%
EPS(NY)2.11
Fwd EY9.92%
FCF(TTM)0.8
FCFY3.75%
OCF(TTM)1.01
OCFY4.75%
SpS9.61
BVpS26.39
TBVpS23.15
PEG (NY)0.19
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.35%
ROE 3.95%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 10.85%
GM N/A
FCFM 8.28%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 5.98
Debt/EBITDA N/A
Cap/Depr 79.36%
Cap/Sales 2.22%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 76.25%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC24.16%
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)65.28%
EPS 3Y-32.9%
EPS 5Y-6.38%
EPS Q2Q%136.36%
EPS Next Y93.6%
EPS Next 2Y55.63%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.85%
Revenue growth 3Y-1.61%
Revenue growth 5Y7.3%
Sales Q2Q%6.31%
Revenue Next Year8.71%
Revenue Next 2Y10.29%
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-83.54%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-80.69%
OCF growth 3YN/A
OCF growth 5YN/A