24.66 USD
+0.6 (+2.49%)
24.66 USD
0 (0%)
MYFW gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. MYFW has a bad profitability rating. Also its financial health evaluation is rather negative. MYFW is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year MYFW was profitable.
MYFW had a positive operating cash flow in the past year.
MYFW had positive earnings in each of the past 5 years.
In multiple years MYFW reported negative operating cash flow during the last 5 years.
1.2 Ratios
MYFW has a worse Return On Assets (0.39%) than 82.95% of its industry peers.
MYFW has a Return On Equity of 4.83%. This is in the lower half of the industry: MYFW underperforms 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
Looking at the Profit Margin, with a value of 12.79%, MYFW is doing worse than 81.40% of the companies in the same industry.
MYFW's Profit Margin has declined in the last couple of years.
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) | 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
MYFW has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, MYFW has a worse debt to assets ratio.
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.
The Debt to FCF ratio of MYFW (30.85) is worse than 84.24% of its industry peers.
A Debt/Equity ratio of 0.17 indicates that MYFW is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.17, MYFW is in line with its industry, 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
WACC22.96%
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.
MYFW shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -6.38% yearly.
Looking at the last year, MYFW shows a quite strong growth in Revenue. The Revenue has grown by 8.35% in the last year.
The Revenue has been growing slightly by 7.30% on average over the past years.
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
The Earnings Per Share is expected to grow by 41.61% on average over the next years. This is a very strong growth
Based on estimates for the next years, MYFW will show a quite strong growth in Revenue. The Revenue will grow by 10.66% on average per year.
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
MYFW is valuated rather expensively with a Price/Earnings ratio of 19.12.
MYFW's Price/Earnings ratio is rather expensive when compared to the industry. MYFW is more expensive than 80.10% of the companies in the same industry.
MYFW is valuated rather cheaply when we compare the Price/Earnings ratio to 26.49, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 12.15, the valuation of MYFW can be described as correct.
Based on the Price/Forward Earnings ratio, MYFW is valued a bit more expensive than the industry average as 65.12% of the companies are valued more cheaply.
When comparing the Price/Forward Earnings ratio of MYFW to the average of the S&P500 Index (23.69), we can say MYFW is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.12 | ||
| Fwd PE | 12.15 |
4.2 Price Multiples
MYFW's Price/Free Cash Flow ratio is rather expensive when compared to the industry. MYFW is more expensive than 84.24% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 162.01 | ||
| 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.
A more expensive valuation may be justified as MYFW's earnings are expected to grow with 41.61% in the coming years.
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 |
24.66
+0.6 (+2.49%)
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 Cap239.45M
Revenue(TTM)98.65M
Net Income(TTM)12.62M
Analysts80
Price Target25.67 (4.1%)
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 | 19.12 | ||
| Fwd PE | 12.15 | ||
| P/S | 2.43 | ||
| P/FCF | 162.01 | ||
| P/OCF | 52.73 | ||
| P/B | 0.92 | ||
| P/tB | 1.04 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.29
EY5.23%
EPS(NY)2.03
Fwd EY8.23%
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
WACC22.96%
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 19.12 and the Price/Book (PB) ratio is 0.92.
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%.