FIRST WESTERN FINANCIAL INC (MYFW) Fundamental Analysis & Valuation

NASDAQ:MYFW • US33751L1052

Current stock price

26.75 USD
+0.46 (+1.75%)
At close:
26.75 USD
0 (0%)
After Hours:

This MYFW fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. MYFW Profitability Analysis

1.1 Basic Checks

  • MYFW had positive earnings in the past year.
  • MYFW had a negative 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.
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

  • With a Return On Assets value of 0.42%, MYFW is not doing good in the industry: 86.32% of the companies in the same industry are doing better.
  • Looking at the Return On Equity, with a value of 4.97%, MYFW is doing worse than 82.89% of the companies in the same industry.
Industry RankSector Rank
ROA 0.42%
ROE 4.97%
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

  • Looking at the Profit Margin, with a value of 12.94%, MYFW is doing worse than 83.68% of the companies in the same industry.
  • In the last couple of years the Profit Margin of MYFW has declined.
  • MYFW does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 12.94%
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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1

2. MYFW Health Analysis

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.
  • MYFW has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, MYFW has an improved debt to assets ratio.
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

  • 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 51.32% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC23.64%
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. MYFW Growth Analysis

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
  • The Revenue has grown by 10.80% in the past year. This is quite good.
  • Measured over the past years, MYFW shows a small growth in Revenue. The Revenue has been growing by 0.94% on average per year.
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

  • The Earnings Per Share is expected to grow by 37.05% 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 10.74% yearly.
EPS Next Y54.13%
EPS Next 2Y37.05%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.79%
Revenue Next 2Y10.74%
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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3

4. MYFW Valuation Analysis

4.1 Price/Earnings Ratio

  • MYFW is valuated rather expensively with a Price/Earnings ratio of 19.81.
  • Based on the Price/Earnings ratio, MYFW is valued more expensive than 83.16% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.91. MYFW is valued slightly cheaper when compared to this.
  • A Price/Forward Earnings ratio of 12.86 indicates a correct valuation of MYFW.
  • Based on the Price/Forward Earnings ratio, MYFW is valued a bit more expensive than 66.32% of the companies in the same industry.
  • MYFW's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.68.
Industry RankSector Rank
PE 19.81
Fwd PE 12.86
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

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
MYFW Per share dataMYFW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 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 37.05% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.37
PEG (5Y)N/A
EPS Next 2Y37.05%
EPS Next 3YN/A

More info and screens

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

0

5. MYFW Dividend Analysis

5.1 Amount

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

More info and screens

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MYFW Fundamentals: All Metrics, Ratios and Statistics

FIRST WESTERN FINANCIAL INC

NASDAQ:MYFW (4/9/2026, 8:00:02 PM)

After market: 26.75 0 (0%)

26.75

+0.46 (+1.75%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-23
Inst Owners68.26%
Inst Owner Change0%
Ins Owners15.41%
Ins Owner Change0.51%
Market Cap260.55M
Revenue(TTM)101.94M
Net Income(TTM)13.19M
Analysts80
Price Target28.56 (6.77%)
Short Float %1.7%
Short Ratio5.36
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)-17.26%
Min EPS beat(2)-22.72%
Max EPS beat(2)-11.79%
EPS beat(4)1
Avg EPS beat(4)4.65%
Min EPS beat(4)-28.33%
Max EPS beat(4)81.45%
EPS beat(8)3
Avg EPS beat(8)-6.26%
EPS beat(12)3
Avg EPS beat(12)-20.23%
EPS beat(16)5
Avg EPS beat(16)-17.15%
Revenue beat(2)1
Avg Revenue beat(2)-1.97%
Min Revenue beat(2)-4.62%
Max Revenue beat(2)0.68%
Revenue beat(4)2
Avg Revenue beat(4)-2.32%
Min Revenue beat(4)-6.2%
Max Revenue beat(4)0.87%
Revenue beat(8)2
Avg Revenue beat(8)-4%
Revenue beat(12)2
Avg Revenue beat(12)-5.89%
Revenue beat(16)2
Avg Revenue beat(16)-5.74%
PT rev (1m)0%
PT rev (3m)7.69%
EPS NQ rev (1m)0.08%
EPS NQ rev (3m)0.39%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.83%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.86%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.74%
Valuation
Industry RankSector Rank
PE 19.81
Fwd PE 12.86
P/S 2.56
P/FCF N/A
P/OCF N/A
P/B 0.98
P/tB 1.11
EV/EBITDA N/A
EPS(TTM)1.35
EY5.05%
EPS(NY)2.08
Fwd EY7.78%
FCF(TTM)-0.59
FCFYN/A
OCF(TTM)-0.18
OCFYN/A
SpS10.47
BVpS27.26
TBVpS24.04
PEG (NY)0.37
PEG (5Y)N/A
Graham Number28.78
Profitability
Industry RankSector Rank
ROA 0.42%
ROE 4.97%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 12.94%
GM N/A
FCFM 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
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 N/A
Debt/EBITDA N/A
Cap/Depr 150.61%
Cap/Sales 3.89%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC23.64%
ROIC/WACCN/A
Cap/Depr(3y)98.88%
Cap/Depr(5y)121.64%
Cap/Sales(3y)2.58%
Cap/Sales(5y)2.52%
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 Year11.79%
Revenue Next 2Y10.74%
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-228.34%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-230.7%
OCF growth 3YN/A
OCF growth 5YN/A

FIRST WESTERN FINANCIAL INC / MYFW Fundamental Analysis FAQ

What is the ChartMill fundamental rating of FIRST WESTERN FINANCIAL INC (MYFW) stock?

ChartMill assigns a fundamental rating of 2 / 10 to MYFW.


Can you provide the valuation status for FIRST WESTERN FINANCIAL INC?

ChartMill assigns a valuation rating of 3 / 10 to FIRST WESTERN FINANCIAL INC (MYFW). This can be considered as Overvalued.


Can you provide the profitability details for FIRST WESTERN FINANCIAL INC?

FIRST WESTERN FINANCIAL INC (MYFW) has a profitability rating of 1 / 10.


What is the financial health of FIRST WESTERN FINANCIAL INC (MYFW) stock?

The financial health rating of FIRST WESTERN FINANCIAL INC (MYFW) is 1 / 10.


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%.