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MYFW 
First Western Financial Inc (MYFW)
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Upturn Advisory Summary
11/05/2025: 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 $25.17
1 Year Target Price $25.17
| 1 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -26.02% | Avg. Invested days 33 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 223.44M USD | Price to earnings Ratio 17.97 | 1Y Target Price 25.17 |
Price to earnings Ratio 17.97 | 1Y Target Price 25.17 | ||
Volume (30-day avg) 3 | Beta 0.81 | 52 Weeks Range 17.10 - 24.88 | Updated Date 11/8/2025 |
52 Weeks Range 17.10 - 24.88 | Updated Date 11/8/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.28 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-23 | When After Market | Estimate 0.36 | Actual 0.32 |
Profitability
Profit Margin 13.22% | Operating Margin (TTM) 16.71% |
Management Effectiveness
Return on Assets (TTM) 0.41% | Return on Equity (TTM) 4.95% |
Valuation
Trailing PE 17.97 | Forward PE - | Enterprise Value -16395647 | Price to Sales(TTM) 2.34 |
Enterprise Value -16395647 | Price to Sales(TTM) 2.34 | ||
Enterprise Value to Revenue 4.6 | Enterprise Value to EBITDA - | Shares Outstanding 9714711 | Shares Floating 7225608 |
Shares Outstanding 9714711 | Shares Floating 7225608 | ||
Percent Insiders 15.31 | Percent Institutions 67.23 |
Upturn AI SWOT
First Western Financial Inc
Company Overview
History and Background
First Western Financial, Inc. (FWXI) was founded in 2002 in Denver, Colorado. It operates as a financial holding company that provides a variety of wealth management and banking services. It has grown organically and through strategic acquisitions, focusing on affluent individuals and businesses in the Western United States.
Core Business Areas
- Wealth Management: Offers financial planning, investment management, trust and estate services, and private banking to high-net-worth individuals and families.
- Commercial Banking: Provides commercial lending, deposit accounts, and other banking services to businesses, including small to medium-sized enterprises (SMEs).
- Mortgage Banking: Originates and sells residential mortgage loans.
Leadership and Structure
The leadership team typically consists of a CEO, CFO, and other executive officers overseeing various departments. The organizational structure includes divisions for wealth management, banking, and operations, with regional offices throughout the Western United States.
Top Products and Market Share
Key Offerings
- Private Banking: Offers tailored banking solutions to high-net-worth clients, including personalized credit lines and concierge services. Market share data specific to private banking for First Western is unavailable. Competitors include JP Morgan Chase, Wells Fargo Private Bank and US Bank.
- Wealth Management Services: Includes investment management, financial planning, trust, and estate services. Data regarding overall wealth management market share for the company isn't explicitly available; However, they do manage around $7.6 billion in client assets. Competitors include Charles Schwab, Fidelity and Vanguard.
- Commercial Lending: Provides loans and lines of credit to businesses. Specific data on commercial lending market share is not publicly available. Competitors include regional banks and large national banks.
Market Dynamics
Industry Overview
The financial services industry is dynamic, impacted by interest rate changes, regulatory developments, and economic conditions. The wealth management sector is driven by growth in affluent populations and investment performance. The banking sector is influenced by competition and regulatory capital requirements.
Positioning
First Western Financial is positioned as a regional bank and wealth management firm focusing on affluent clients in the Western United States. Its competitive advantages include personalized service, local expertise, and a comprehensive suite of financial products.
Total Addressable Market (TAM)
The TAM for wealth management and banking services in the Western United States is estimated to be several trillion dollars. First Western Financial is positioned to capture a small percentage of this TAM through its focus on high-net-worth clients and local market expertise.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Western United States
- Focus on affluent clients
- Comprehensive suite of financial products
- Experienced management team
- High quality customer service
Weaknesses
- Limited geographic diversification
- Reliance on the performance of the financial markets
- Vulnerability to regional economic downturns
- Smaller size compared to larger national banks
Opportunities
- Expansion into new markets within the Western United States
- Acquisitions of smaller wealth management firms or banks
- Growth in the affluent population
- Increased demand for financial planning services
Threats
- Increased competition from larger national banks
- Changes in regulations
- Economic downturns
- Rising interest rates
Competitors and Market Share
Key Competitors
- PacWest Bancorp (PACW)
- Glacier Bancorp, Inc. (GBCI)
- UMB Financial Corporation (UMBF)
Competitive Landscape
Compared to its competitors, First Western Financial offers high-quality service and has a strong emphasis on wealth management for the Western United States. However it lags in market presence and economies of scale than its rivals
Growth Trajectory and Initiatives
Historical Growth: Historical growth can be evaluated by reviewing past revenue, assets, and profits growth. Past acquisitions have contributed to expansion.
Future Projections: Analyst estimates should be consulted for projections regarding future growth. Key factors include loan growth, assets under management, and net interest margin.
Recent Initiatives: Recent strategic initiatives may include branch expansion, technology investments, or new product launches.
Summary
First Western Financial Inc. (FWXI) is a regional bank and wealth management firm focused on affluent clients in the Western United States. Its strength lies in its personalized service and regional expertise. Its weaknesses include limited geographic diversification and smaller size compared to national banks. Opportunities lie in expansion and potential acquisitions, while threats include increased competition and economic downturns.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimated. Please conduct your own due diligence before making any investment decisions.
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.gcs-web.com |
Full time employees 321 | Website https://myfw.gcs-web.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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