FIRST WESTERN FINANCIAL INC (MYFW)
US33751L1052 - Common Stock
MYFW gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 412 industry peers in the Banks industry. MYFW has a bad profitability rating. Also its financial health evaluation is rather negative. MYFW is not valued too expensively and it also shows 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.
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.
1.2 Ratios
MYFW has a worse Return On Assets (0.18%) than 90.29% of its industry peers.
MYFW has a Return On Equity of 2.15%. This is amonst the worse of the industry: MYFW underperforms 89.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.18% | ||
| ROE | 2.15% | ||
| ROIC | N/A |
ROA(3y)0.58%
ROA(5y)0.73%
ROE(3y)6.86%
ROE(5y)8.53%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
MYFW has a Profit Margin of 5.62%. This is amonst the worse of the industry: MYFW underperforms 92.48% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 5.62% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-39.36%
PM growth 5Y-5.47%
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.
The number of shares outstanding for MYFW has been increased compared to 1 year ago.
The number of shares outstanding for MYFW has been increased compared to 5 years ago.
The debt/assets ratio for MYFW has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of MYFW is 2.68, which is a good value as it means it would take MYFW, 2.68 years of fcf income to pay off all of its debts.
MYFW has a Debt to FCF ratio of 2.68. This is comparable to the rest of the industry: MYFW outperforms 47.82% of its industry peers.
MYFW has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.22, MYFW perfoms like the industry average, outperforming 53.40% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 2.68 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.92%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for MYFW have decreased strongly by -61.54% in the last year.
The Earnings Per Share has been decreasing by -3.14% on average over the past years.
The Revenue for MYFW has decreased by -16.63% in the past year. This is quite bad
Measured over the past years, MYFW shows a quite strong growth in Revenue. The Revenue has been growing by 9.99% on average per year.
EPS 1Y (TTM)-61.54%
EPS 3Y-34.21%
EPS 5Y-3.14%
EPS growth Q2Q-94.83%
Revenue 1Y (TTM)-16.63%
Revenue growth 3Y-1.48%
Revenue growth 5Y9.99%
Revenue growth Q2Q-21.11%
3.2 Future
MYFW is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 42.95% yearly.
Based on estimates for the next years, MYFW will show a small growth in Revenue. The Revenue will grow by 6.44% on average per year.
EPS Next Y40.12%
EPS Next 2Y42.95%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.07%
Revenue Next 2Y6.44%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 19.39 indicates a rather expensive valuation of MYFW.
Based on the Price/Earnings ratio, MYFW is valued expensively inside the industry as 85.92% of the companies are valued cheaper.
MYFW's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.73.
The Price/Forward Earnings ratio is 13.84, which indicates a correct valuation of MYFW.
69.42% of the companies in the same industry are cheaper than MYFW, based on the Price/Forward Earnings ratio.
MYFW's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 20.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.39 | ||
| Fwd PE | 13.84 |
4.2 Price Multiples
MYFW's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.5 | ||
| EV/EBITDA | N/A |
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 42.95% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.48
PEG (5Y)N/A
EPS Next 2Y42.95%
EPS Next 3YN/A
5. Dividend
5.1 Amount
MYFW does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
FIRST WESTERN FINANCIAL INC
NASDAQ:MYFW (5/3/2024, 7:08:01 PM)
After market: 17.45 0 (0%)17.45
+0.06 (+0.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap165.95M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.39 | ||
| Fwd PE | 13.84 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.48
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.18% | ||
| ROE | 2.15% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 5.62% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-61.54%
EPS 3Y-34.21%
EPS 5Y
EPS growth Q2Q
EPS Next Y40.12%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-16.63%
Revenue growth 3Y-1.48%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y