FIRST WESTERN FINANCIAL INC (MYFW) Stock Fundamental Analysis

NASDAQ:MYFW • US33751L1052

25.5 USD
0 (0%)
At close: Feb 20, 2026
25.5 USD
0 (0%)
After Hours: 2/20/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, MYFW scores 3 out of 10 in our fundamental rating. MYFW was compared to 381 industry peers in the Banks industry. MYFW may be in some trouble as it scores bad on both profitability and health. MYFW has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

2

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.
  • 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.
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

  • MYFW's Return On Assets of 0.39% is on the low side compared to the rest of the industry. MYFW is outperformed by 82.68% of its industry peers.
  • Looking at the Return On Equity, with a value of 4.83%, MYFW is doing worse than 77.95% of the companies in the same industry.
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

  • MYFW has a Profit Margin of 12.79%. This is amonst the worse of the industry: MYFW underperforms 80.84% of its industry peers.
  • 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 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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ROAROEROICOperating and Profit MarginShow most profitable peers

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
  • 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.
  • Looking at the Debt to FCF ratio, with a value of 30.85, MYFW is doing worse than 84.25% of the companies in the same industry.
  • 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
WACC22.44%
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. Growth

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.
  • The earnings per share for MYFW have been decreasing by -15.64% on average. This is quite bad
  • MYFW shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.80%.
  • MYFW shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.94% yearly.
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.
  • Based on estimates for the next years, MYFW will show a quite strong growth in Revenue. The Revenue will grow by 11.21% on average per year.
EPS Next Y54.13%
EPS Next 2Y37.05%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.23%
Revenue Next 2Y11.21%
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.
  • 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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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • MYFW is valuated rather expensively with a Price/Earnings ratio of 18.89.
  • Compared to the rest of the industry, the Price/Earnings ratio of MYFW indicates a rather expensive valuation: MYFW more expensive than 80.84% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of MYFW to the average of the S&P500 Index (26.99), we can say MYFW is valued slightly cheaper.
  • With a Price/Forward Earnings ratio of 12.25, MYFW is valued correctly.
  • Based on the Price/Forward Earnings ratio, MYFW is valued a bit more expensive than the industry average as 60.10% of the companies are valued more cheaply.
  • MYFW's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.06.
Industry RankSector Rank
PE 18.89
Fwd PE 12.25
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of MYFW indicates a rather expensive valuation: MYFW more expensive than 84.25% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 167.87
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

  • 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 37.05% in the coming years.
PEG (NY)0.35
PEG (5Y)N/A
EPS Next 2Y37.05%
EPS Next 3YN/A

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

0

5. Dividend

5.1 Amount

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

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Find the best dividend stocksShow peers with best dividend

FIRST WESTERN FINANCIAL INC

NASDAQ:MYFW (2/20/2026, 8:00:01 PM)

After market: 25.5 0 (0%)

25.5

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-22
Inst Owners66.65%
Inst Owner Change0.73%
Ins Owners15.4%
Ins Owner Change0.18%
Market Cap248.12M
Revenue(TTM)101.94M
Net Income(TTM)12.62M
Analysts80
Price Target28.56 (12%)
Short Float %1.24%
Short Ratio3.54
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)7.69%
PT rev (3m)11.26%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.39%
EPS NY rev (1m)-0.83%
EPS NY rev (3m)2.55%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.47%
Revenue NY rev (3m)-0.47%
Valuation
Industry RankSector Rank
PE 18.89
Fwd PE 12.25
P/S 2.52
P/FCF 167.87
P/OCF 54.64
P/B 0.95
P/tB 1.08
EV/EBITDA N/A
EPS(TTM)1.35
EY5.29%
EPS(NY)2.08
Fwd EY8.16%
FCF(TTM)0.15
FCFY0.6%
OCF(TTM)0.47
OCFY1.83%
SpS10.14
BVpS26.88
TBVpS23.64
PEG (NY)0.35
PEG (5Y)N/A
Graham Number28.57
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
WACC22.44%
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 Year13.23%
Revenue Next 2Y11.21%
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 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 18.89 and the Price/Book (PB) ratio is 0.95.


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%.