FIRST WESTERN FINANCIAL INC (MYFW) Stock Fundamental Analysis
USA - NASDAQ:MYFW - US33751L1052 - Common Stock
23.84 USD
+0.46 (+1.97%)
23.84 USD
0 (0%)
MYFW gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 388 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.
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.
The reported operating cash flow has been mixed in the past 5 years: MYFW reported negative operating cash flow in multiple years.
1.2 Ratios
The Return On Assets of MYFW (0.38%) is worse than 81.96% of its industry peers.
MYFW has a Return On Equity of 4.47%. This is in the lower half of the industry: MYFW underperforms 78.35% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.38% | ||
| ROE | 4.47% | ||
| 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
MYFW's Profit Margin of 12.19% is on the low side compared to the rest of the industry. MYFW is outperformed by 80.15% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 12.19% | ||
| 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.
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 worse debt/assets ratio than last year.
2.2 Solvency
MYFW has a debt to FCF ratio of 4.63. This is a neutral value as MYFW would need 4.63 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.63, MYFW is doing worse than 65.98% 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.
Looking at the Debt to Equity ratio, with a value of 0.18, MYFW is in line with its industry, outperforming 50.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 4.63 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC23.23%
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.
The Earnings Per Share has been decreasing by -6.38% on average over the past years.
Looking at the last year, MYFW shows a quite strong growth in Revenue. The Revenue has grown by 8.35% in the last year.
MYFW shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.30% yearly.
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
Based on estimates for the next years, MYFW will show a very strong growth in Earnings Per Share. The EPS will grow by 41.61% on average per year.
The Revenue is expected to grow by 10.66% on average over the next years. This is quite good.
EPS Next Y66.52%
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
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.
4. Valuation
4.1 Price/Earnings Ratio
MYFW is valuated rather expensively with a Price/Earnings ratio of 18.48.
79.12% of the companies in the same industry are cheaper than MYFW, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 25.89. MYFW is valued slightly cheaper when compared to this.
With a Price/Forward Earnings ratio of 11.75, the valuation of MYFW can be described as very reasonable.
Based on the Price/Forward Earnings ratio, MYFW is valued a bit more expensive than 63.14% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.59. MYFW is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.48 | ||
| Fwd PE | 11.75 |
4.2 Price Multiples
MYFW's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. MYFW is more expensive than 71.65% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 23.34 | ||
| 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.
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 |
23.84
+0.46 (+1.97%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners65.6%
Inst Owner Change4.56%
Ins Owners15.43%
Ins Owner Change-0.04%
Market Cap231.72M
Revenue(TTM)98.65M
Net Income(TTM)11.57M
Analysts80
Price Target25.67 (7.68%)
Short Float %1.29%
Short Ratio4.06
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)1
Avg EPS beat(2)26.56%
Min EPS beat(2)-28.33%
Max EPS beat(2)81.45%
EPS beat(4)2
Avg EPS beat(4)8.55%
Min EPS beat(4)-28.33%
Max EPS beat(4)81.45%
EPS beat(8)3
Avg EPS beat(8)-17.05%
EPS beat(12)4
Avg EPS beat(12)-18.17%
EPS beat(16)6
Avg EPS beat(16)-15.04%
Revenue beat(2)1
Avg Revenue beat(2)-2.67%
Min Revenue beat(2)-6.2%
Max Revenue beat(2)0.87%
Revenue beat(4)1
Avg Revenue beat(4)-4.97%
Min Revenue beat(4)-8.39%
Max Revenue beat(4)0.87%
Revenue beat(8)1
Avg Revenue beat(8)-6.05%
Revenue beat(12)1
Avg Revenue beat(12)-6.42%
Revenue beat(16)2
Avg Revenue beat(16)-5.46%
PT rev (1m)-1.95%
PT rev (3m)2.03%
EPS NQ rev (1m)-0.09%
EPS NQ rev (3m)-0.09%
EPS NY rev (1m)-3.18%
EPS NY rev (3m)-13.99%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)1.36%
Revenue NY rev (3m)0.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.48 | ||
| Fwd PE | 11.75 | ||
| P/S | 2.44 | ||
| P/FCF | 23.34 | ||
| P/OCF | 18.97 | ||
| P/B | 0.9 | ||
| P/tB | 1.02 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.29
EY5.41%
EPS(NY)2.03
Fwd EY8.51%
FCF(TTM)1.02
FCFY4.29%
OCF(TTM)1.26
OCFY5.27%
SpS9.76
BVpS26.63
TBVpS23.39
PEG (NY)0.28
PEG (5Y)N/A
Graham Number27.8
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.38% | ||
| ROE | 4.47% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 12.19% | ||
| GM | N/A | ||
| FCFM | 10.46% |
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-Score9
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 4.63 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 85.38% | ||
| Cap/Sales | 2.41% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 85.83% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC23.23%
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 Y66.52%
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-65.76%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-62.07%
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 4 / 10 to FIRST WESTERN FINANCIAL INC (MYFW). This can be considered as Fairly Valued.
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 18.48 and the Price/Book (PB) ratio is 0.9.
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%.