FIRST WESTERN FINANCIAL INC (MYFW) Stock Fundamental Analysis
USA - NASDAQ:MYFW - US33751L1052 - Common Stock
23.38 USD
-0.22 (-0.93%)
Taking everything into account, MYFW scores 3 out of 10 in our fundamental rating. MYFW was compared to 388 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
In the past year MYFW was profitable.
In the past year MYFW had a positive cash flow from operations.
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
Looking at the Return On Assets, with a value of 0.38%, MYFW is doing worse than 81.96% of the companies in the same industry.
The Return On Equity of MYFW (4.47%) is worse than 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
Looking at the Profit Margin, with a value of 12.19%, MYFW is doing worse than 80.15% of the companies in the same industry.
MYFW's Profit Margin has declined in the last couple of years.
MYFW does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
MYFW has more shares outstanding than it did 5 years ago.
MYFW has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of MYFW is 4.63, which is a neutral value as it means it would take MYFW, 4.63 years of fcf income to pay off all of its debts.
MYFW has a worse Debt to FCF ratio (4.63) than 65.98% of its industry peers.
A Debt/Equity ratio of 0.18 indicates that MYFW is not too dependend on debt financing.
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
WACC23.38%
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.
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
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.
MYFW is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.66% yearly.
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
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.
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 18.12.
Based on the Price/Earnings ratio, MYFW is valued a bit more expensive than 79.38% of the companies in the same industry.
MYFW is valuated rather cheaply when we compare the Price/Earnings ratio to 26.34, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 11.52 indicates a reasonable valuation of MYFW.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MYFW indicates a slightly more expensive valuation: MYFW is more expensive than 62.89% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.43, MYFW is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.12 | ||
| Fwd PE | 11.52 |
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 72.42% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.89 | ||
| 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)0.27
PEG (5Y)N/A
EPS Next 2Y52.72%
EPS Next 3Y41.61%
5. Dividend
5.1 Amount
No dividends for MYFW!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:MYFW (11/13/2025, 4:30:01 PM)
23.38
-0.22 (-0.93%)
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 Cap227.25M
Revenue(TTM)98.65M
Net Income(TTM)11.57M
Analysts80
Price Target25.67 (9.79%)
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 | 18.12 | ||
| Fwd PE | 11.52 | ||
| P/S | 2.39 | ||
| P/FCF | 22.89 | ||
| P/OCF | 18.61 | ||
| P/B | 0.88 | ||
| P/tB | 1 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.29
EY5.52%
EPS(NY)2.03
Fwd EY8.68%
FCF(TTM)1.02
FCFY4.37%
OCF(TTM)1.26
OCFY5.37%
SpS9.76
BVpS26.63
TBVpS23.39
PEG (NY)0.27
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
WACC23.38%
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 18.12 and the Price/Book (PB) ratio is 0.88.
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%.