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Upturn AI SWOT - About
MYFW 
First Western Financial Inc (MYFW)
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Upturn Advisory Summary
08/28/2025: MYFW (1-star) is currently NOT-A-BUY. Pass it for now.
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
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $25.67
1 Year Target Price $25.67
| 1 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -21.86% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 227.01M USD | Price to earnings Ratio 19.8 | 1Y Target Price 25.67 |
Price to earnings Ratio 19.8 | 1Y Target Price 25.67 | ||
Volume (30-day avg) 3 | Beta 0.82 | 52 Weeks Range 17.10 - 24.88 | Updated Date 08/29/2025 |
52 Weeks Range 17.10 - 24.88 | Updated Date 08/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.18 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 12.37% | Operating Margin (TTM) 15.03% |
Management Effectiveness
Return on Assets (TTM) 0.39% | Return on Equity (TTM) 4.58% |
Valuation
Trailing PE 19.8 | Forward PE - | Enterprise Value 223408656 | Price to Sales(TTM) 2.43 |
Enterprise Value 223408656 | Price to Sales(TTM) 2.43 | ||
Enterprise Value to Revenue 4.69 | Enterprise Value to EBITDA - | Shares Outstanding 9717920 | Shares Floating 7223817 |
Shares Outstanding 9717920 | Shares Floating 7223817 | ||
Percent Insiders 15.4 | Percent Institutions 64.57 |
Upturn AI SWOT
First Western Financial Inc
Company Overview
History and Background
First Western Financial, Inc. was founded in 2002 and is headquartered in Denver, Colorado. It operates as a financial holding company for First Western Trust Bank, offering a range of banking and wealth management services.
Core Business Areas
- Commercial Banking: Provides loans, deposit accounts, and other banking services to businesses.
- Wealth Management: Offers investment management, financial planning, trust services, and private banking to high-net-worth individuals and families.
Leadership and Structure
The leadership team includes Scott Wylie (Chairman & CEO). The organizational structure is based on functional divisions across banking and wealth management, with regional presidents overseeing market operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses, including commercial real estate and working capital loans. Market share information is not readily available on First Western's loan market share. Competitors include large national banks and regional banks.
- Wealth Management Services: Investment management, financial planning, trust services, and private banking. Market share information for their region is difficult to quantify. Competitors include Charles Schwab, Fidelity, and other regional wealth management firms.
Market Dynamics
Industry Overview
The banking industry is undergoing consolidation and facing increased competition from fintech companies. The wealth management industry is experiencing growth due to increasing wealth and demand for financial planning services.
Positioning
First Western Financial Inc. positions itself as a relationship-focused bank providing both commercial banking and wealth management services, targeting affluent clients and businesses in the Western United States.
Total Addressable Market (TAM)
The TAM for banking and wealth management in the Western US is estimated to be in the hundreds of billions of dollars. FWRN's position is relatively small compared to the overall TAM, indicating substantial growth potential.
Upturn SWOT Analysis
Strengths
- Strong client relationships
- Experienced management team
- Diversified revenue streams (banking and wealth management)
- Presence in attractive Western markets
Weaknesses
- Smaller size compared to national competitors
- Limited brand recognition outside of its core markets
- Dependence on regional economic conditions
Opportunities
- Expansion into new Western markets
- Acquisition of smaller banks or wealth management firms
- Increased adoption of digital banking and wealth management solutions
- Growth in the high-net-worth population
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn affecting loan demand and asset values
- Rising interest rates impacting profitability
- Regulatory changes
Competitors and Market Share
Key Competitors
- WAL
- TCBI
- BOKF
Competitive Landscape
First Western Financial Inc. competes with larger national and regional banks, as well as specialized wealth management firms. Its competitive advantage lies in its relationship-focused approach and integrated banking and wealth management services.
Major Acquisitions
Alliance Bancorporation, Inc.
- Year: 2018
- Acquisition Price (USD millions): 37.5
- Strategic Rationale: Expanded market presence in Arizona.
Growth Trajectory and Initiatives
Historical Growth: Growth has been driven by organic expansion and strategic acquisitions. Review financial data to analyze this growth
Future Projections: Future growth will depend on expansion, economic conditions, and acquisitions. Analyst estimates depend on the specific firm projecting this information. Please review different analyst estimates to get an idea of the range.
Recent Initiatives: Recent initiatives include digital banking enhancements and expansion into new markets.
Summary
First Western Financial Inc. is a regional bank and wealth management firm showing potential for growth. It faces challenges from larger competitors and economic uncertainty, but its integrated services and focus on relationship banking offer advantages. Strategic initiatives and geographic expansion are important for its sustained success. Monitoring market conditions and regulatory changes is crucial.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q), Investor presentations, Press releases, Analyst reports (where available and permitted).
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share and revenue data may be estimates based on available information and is subject to change. All investment decisions should be made after consulting with a qualified financial advisor.
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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