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First Western Financial Inc(MYFW)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for MYFW
09/14/2026: MYFW (2-star) is currently NOT-A-BUY. Pass it for now.
First Western Financial Inc is a regional financial holding company that caters to high-net-worth individuals through an integrated model of private banking and wealth management. The company benefits from a relationship-driven service approach that builds client loyalty, alongside a growing fee-based income stream. Its primary growth opportunity lies in further geographic expansion and digital adoption, though it remains sensitive to interest rate shifts and mortgage market volatility. Risks include fierce competition from larger national banks and potential margin compression in higher-rate environments. This stock is generally suited for investors seeking regional banking exposure, though they should carefully monitor interest rate trends and loan credit quality.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers moderate growth potential through market expansion but is sensitive to economic cycles. |
| Momentum investor | Weak fit | The stock often lacks the high-velocity trading patterns sought by momentum investors. |
| Value investor | Strong fit | The stock often trades at valuations that may appeal to value investors looking for regional financial exposure. |
| Dividend investor | Weak fit | The company does not prioritize regular, high-yield dividend payments. |
| Low-risk investor | Weak fit | Regional banking stocks are subject to significant volatility based on interest rate and economic risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | Financial stocks are highly sensitive to macro-economic shifts and interest rate changes. |
| Valuation risk | Medium | Market pricing can fluctuate significantly based on shifts in investor sentiment toward the regional banking sector. |
| Competition risk (National banking peers) | High | Larger competitors with greater economies of scale exert constant pressure on interest margins. |
| Business quality | Medium | While the relationship model is effective, the company lacks the massive scale of industry leaders. |
| Dividend income | Low | Limited dividend history makes this an unsuitable choice for income-focused investors. |
| Execution risk | Medium | Continued success depends on successfully scaling the private bank and trust model in new markets. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -18.48% | Avg. Invested days 37 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/14/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 300.28M USD | Price to earnings Ratio 16.53 | 1Y Target Price 33 |
Price to earnings Ratio 16.53 | 1Y Target Price 33 | ||
Volume (30-day avg) 49.7K shares | Beta 0.71 | 52 Weeks Range 21.95 - 34.36 | Updated Date 09/14/2026 |
52 Weeks Range 21.95 - 34.36 | Updated Date 09/14/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.86 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | The primary way the bank makes money; it thrives when interest rates and loan demand are favorable. |
| Wealth Management Fees | Trust services, investment management, and financial planning. | Provides recurring, non-interest income that helps diversify revenue away from pure lending. |
| Mortgage Banking | Origination and sale of residential mortgage loans. | A cyclical revenue source that is highly dependent on real estate activity and interest rates. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 16.53 | Forward PE - | Enterprise Value 223.73M | Price to Sales(TTM) 2.82 |
Enterprise Value 223.73M | Price to Sales(TTM) 2.82 | ||
Enterprise Value to Revenue 3.62 | Enterprise Value to EBITDA - | Shares Outstanding 9.77M | Shares Floating 7.79M |
Shares Outstanding 9.77M | Shares Floating 7.79M | ||
Percent Insiders 12.89 | Percent Institutions 73.33 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About First Western Financial Inc
Exchange NASDAQ | Headquarters 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 320 | Website https://myfw.com |
Full time employees 320 | 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 products, including money market, demand deposit, time-deposit, interest checking, and saving accounts; loans comprising consumer and commercial purpose, unsecured consumer, construction and development, 1-4 residential, commercial real estate, and commercial and industrial loans; trust and investment management advisory products and services; and insurance. The Mortgage segment engages in soliciting, originating, and selling residential mortgage loans into the secondary market. It serves entrepreneurs, professionals, high net worth individuals or families, and business and philanthropic organizations. The company was incorporated in 2002 and is headquartered in Denver, Colorado.
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