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Upturn AI SWOT - About
MYFW 
First Western Financial Inc (MYFW)
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Upturn Advisory Summary
06/30/2025: MYFW (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $24.67
1 Year Target Price $24.67
| 1 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -18.54% | Avg. Invested days 31 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 218.69M USD | Price to earnings Ratio 21.64 | 1Y Target Price 24.67 |
Price to earnings Ratio 21.64 | 1Y Target Price 24.67 | ||
Volume (30-day avg) 3 | Beta 0.79 | 52 Weeks Range 15.54 - 23.71 | Updated Date 06/29/2025 |
52 Weeks Range 15.54 - 23.71 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.04 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 11.08% | Operating Margin (TTM) 21.88% |
Management Effectiveness
Return on Assets (TTM) 0.35% | Return on Equity (TTM) 4.04% |
Valuation
Trailing PE 21.64 | Forward PE - | Enterprise Value 62827376 | Price to Sales(TTM) 2.39 |
Enterprise Value 62827376 | Price to Sales(TTM) 2.39 | ||
Enterprise Value to Revenue 3.44 | Enterprise Value to EBITDA - | Shares Outstanding 9715430 | Shares Floating 7623311 |
Shares Outstanding 9715430 | Shares Floating 7623311 | ||
Percent Insiders 15.42 | Percent Institutions 60.79 |
Analyst Ratings
Rating 2 | Target Price 24.67 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
First Western Financial Inc
Company Overview
History and Background
First Western Financial, Inc. was founded in 2002 in Denver, Colorado. It operates as a financial holding company, providing a range of banking, wealth management, and mortgage services. Through organic growth and strategic acquisitions, the company has expanded its presence in key Western markets.
Core Business Areas
- Banking: Offers traditional banking services including deposit accounts, loans (commercial, residential, and consumer), and treasury management services.
- Wealth Management: Provides wealth management services such as financial planning, investment management, trust and estate services, and private banking.
- Mortgage: Originates residential mortgage loans for purchase and refinance.
Leadership and Structure
The company is led by its CEO and executive management team. Its organizational structure includes various departments overseeing banking operations, wealth management, finance, risk management, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share data for commercial lending varies by region and loan type. Competitors include national and regional banks.
- Private Banking: High-touch banking and financial solutions tailored to affluent clients. Competitors include JP Morgan Chase, Citi Bank, Morgan Stanley.
- Wealth Management Services: Offers personalized financial planning and investment management. Competitors include large wealth management firms and independent advisors.
- Deposit Products: A range of checking, savings, and money market accounts designed to attract customer deposits. Competitors include most regional banks in the same service areas.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to regulatory changes and economic conditions. Banks face challenges from fintech companies and evolving customer preferences.
Positioning
First Western Financial is positioned as a relationship-focused bank catering to high-net-worth individuals, businesses, and entrepreneurs in the Western United States. Competitive advantages include personalized service and local expertise.
Total Addressable Market (TAM)
The TAM for banking and wealth management services in the Western US is substantial. First Western Financial is positioned to capture a portion of this TAM through its niche focus and expansion strategies.
Upturn SWOT Analysis
Strengths
- Strong regional presence in attractive markets
- Diversified revenue streams (banking, wealth management, mortgage)
- Experienced management team
- Relationship-focused business model
- Strong capital position
Weaknesses
- Smaller scale compared to national banks
- Concentration in the Western US makes it sensitive to market conditions
- Dependence on interest rate spreads
- Exposure to credit risk in loan portfolio
Opportunities
- Expansion into new geographic markets
- Increased adoption of digital banking technologies
- Growth in wealth management assets under management
- Strategic acquisitions of smaller banks or wealth management firms
- Capitalizing on Fintech relationships
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates impacting loan demand
- Economic downturn affecting loan quality
- Regulatory changes impacting banking operations
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- WAFD
- BOKF
- UMB Financial Corporation (UMBF)
Competitive Landscape
First Western Financial competes with both larger national banks and smaller regional banks. Its competitive advantages include personalized service, local expertise, and a focus on wealth management. Disadvantages include smaller scale and limited geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Growth trends are based on expansion into key Western markets.
Future Projections: Future projections data based on analyst estimates are not available. Check Yahoo Finance (FWBI), Google Finance for accurate data.
Recent Initiatives: Recent strategic initiatives are likely to involve expanding digital banking capabilities and growing wealth management operations.
Summary
First Western Financial is a regional bank and wealth manager in the Western US with strengths in its relationship-focused approach and diversified revenue streams. However, its smaller scale and regional concentration pose challenges. Future growth will depend on expanding digital capabilities, growing wealth management assets, and managing credit risk effectively. First Western Financial faces increased competition from larger banks and fintech companies and is exposed to economic and regulatory risks.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Yahoo Finance
- Google Finance
- Various Financial News Outlets
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share estimates may vary depending on the source. Financial data should be verified with official SEC filings and financial statements.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First Western Financial Inc
Exchange NASDAQ | Headquaters Denver, CO, United States | ||
IPO Launch date 2018-07-19 | Founder, Chairman, CEO & President Mr. Scott C. Wylie | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 321 | Website https://myfw.com |
Full time employees 321 | Website https://myfw.com | ||
First Western Financial, Inc., a financial holding company, provides wealth advisory, private banking, personal trust, investment management, mortgage lending, and institutional asset management services to individual and corporate clients. The company operates in two segments, Wealth Management and Mortgage. The Wealth Management segment provides deposit, loan, insurance, and trust and investment management advisory products and services. The Mortgage segment engages in soliciting, originating, and selling mortgage loans into the secondary market. It serves entrepreneurs, professionals, high net worth individuals or families, and business and philanthropic organizations. First Western Financial, Inc. was incorporated in 2002 and is headquartered in Denver, Colorado.
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