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Upturn AI Summary - About
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
10/26/2026: MYFW (1-star) is currently NOT-A-BUY. Pass it for now.
First Western Financial is a Denver-based regional holding company providing a niche, high-touch blend of private banking and wealth management services to high-net-worth clients. Its core strength lies in its integrated boutique model, which has historically delivered strong earnings growth through successful loan and deposit expansion. The primary investment story centers on its ability to scale this relationship-based model across affluent Western U.S. markets. Key risks include sensitivity to interest rate fluctuations, intense competition from larger institutions, and potential volatility in mortgage-related revenue. The stock may suit investors seeking exposure to a specialized, growth-oriented regional bank, provided they monitor the company’s ability to manage loan portfolio quality and regional concentration risks.
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 | Strong fit | The company's focus on scaling its boutique model and expanding into high-growth markets offers meaningful growth potential. |
| Momentum investor | Mixed fit | The stock's performance is currently driven by improving fundamentals, making it a potential target if growth trends accelerate. |
| Value investor | Strong fit | Trading at a relatively modest P/E and P/B, the stock may appeal to value investors looking for regional bank exposure. |
| Dividend investor | Weak fit | The company does not currently pay a dividend, making it unsuitable for income-focused investors. |
| Low-risk investor | Mixed fit | Regional banking carries inherent market and regulatory risks, though the company’s niche model provides some stability. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Small-cap bank stocks often experience higher price swings based on interest rate sentiment. |
| Valuation risk | Medium | Stock valuation depends heavily on the company's ability to maintain earnings growth in a competitive banking environment. |
| Competition risk (regional/niche banking) | Medium / high | Intense competition from larger banks may squeeze margins and make growth harder to achieve. |
| Business quality | Medium | The integrated wealth management/banking model provides quality, but success depends on high-touch execution. |
| Dividend income | Low / none | Lack of dividend payments means investors cannot rely on income as part of the total return. |
| Execution risk | Medium | Success relies on scaling profit centers without compromising the quality of client service. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -18.45% | 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 10/26/2026 |
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 292.76M USD | Price to earnings Ratio 15.86 | 1Y Target Price 32.67 |
Price to earnings Ratio 15.86 | 1Y Target Price 32.67 | ||
Volume (30-day avg) 44.4K shares | Beta 0.77 | 52 Weeks Range 22.13 - 34.36 | Updated Date 10/25/2026 |
52 Weeks Range 22.13 - 34.36 | Updated Date 10/25/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.89 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Wealth Management | Trust services, investment management, financial planning fees, and interest from deposits/loans. | This is the primary revenue driver, relying on fee-based advisory income and net interest margin. |
| Mortgage Lending | Origination and sale of residential mortgage loans into the secondary market. | This segment is more cyclical and sensitive to interest rates, adding a layer of volatility to non-interest income. |
| Regional Banking | Interest earned from commercial and personal loans. | Provides the foundational net interest income that supports the overall platform. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-22 | When After Market | Estimate 0.58 | Actual 0.6 |
Profitability
Profit Margin 19.17% | Operating Margin (TTM) 26.06% |
Management Effectiveness
Return on Assets (TTM) 0.64% | Return on Equity (TTM) 7.73% |
Valuation
Trailing PE 15.86 | Forward PE - | Enterprise Value 313.51M | Price to Sales(TTM) 2.64 |
Enterprise Value 313.51M | Price to Sales(TTM) 2.64 | ||
Enterprise Value to Revenue 3.62 | Enterprise Value to EBITDA - | Shares Outstanding 9.77M | Shares Floating 7.83M |
Shares Outstanding 9.77M | Shares Floating 7.83M | ||
Percent Insiders 12.88 | Percent Institutions 72.88 |
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.
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