📊 MYFW Key Takeaways
Is MYFW a Good Investment? Thesis Analysis
First Western Financial faces severe operational headwinds with a 39.3% revenue decline and negative operating cash flow, despite maintaining a debt-free balance sheet. The collapse in top-line performance coupled with minimal returns on assets (0.4%) and equity (5.0%) indicates fundamental business deterioration that cannot be offset by balance sheet strength alone.
Why Buy MYFW? Key Strengths
- Zero long-term debt with clean balance sheet
- Strong cash position of $200.3M provides liquidity cushion
- Solid net margin of 13.6% shows pricing power in core operations
MYFW Investment Risks to Consider
- Catastrophic 39.3% revenue decline signals severe competitive pressure or market share loss
- Negative operating cash flow of -$1.8M despite positive net income indicates potential asset quality issues or working capital deterioration
- Extremely poor return metrics (ROA 0.4%, ROE 5.0%) suggest inefficient asset deployment and potential capital destruction
Key Metrics to Watch
- Quarterly revenue trend and deposit base stability
- Operating cash flow recovery to positive territory
- Net interest margin compression or expansion as core banking metric
MYFW Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
MYFW Profitability Ratios
MYFW vs Finance Sector
How First Western Financial Inc compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is MYFW Overvalued or Undervalued?
Based on fundamental analysis, First Western Financial Inc has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
MYFW Balance Sheet & Liquidity
MYFW 5-Year Financial Trend & Growth Analysis
5-Year Trend Summary: First Western Financial Inc's revenue has shown modest growth of 2% over the 5-year period. The most recent EPS of $0.87 reflects profitable operations.
MYFW Growth Metrics (YoY)
MYFW Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $22.0M | $2.1M | $0.22 |
| Q2 2025 | $20.4M | $1.1M | $0.11 |
| Q1 2025 | $23.3M | $2.5M | $0.26 |
| Q3 2024 | $22.0M | $2.1M | $0.22 |
| Q2 2024 | $20.4M | $1.1M | $0.11 |
| Q1 2024 | $23.3M | $2.5M | $0.26 |
| Q3 2023 | $22.5M | $3.1M | $0.32 |
| Q2 2023 | $20.6M | $1.5M | $0.16 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
MYFW Capital Allocation
MYFW SEC 10-K & 10-Q Filing Analysis
Access official SEC EDGAR filings for First Western Financial Inc (CIK: 0001327607)
📋 Recent SEC Filings
❓ Frequently Asked Questions about MYFW
What is the AI rating for MYFW?
First Western Financial Inc (MYFW) has an AI rating of SELL with 65% confidence, based on fundamental analysis of SEC EDGAR filings.
What are MYFW's key strengths?
Claude: Zero long-term debt with clean balance sheet. Strong cash position of $200.3M provides liquidity cushion.
What are the risks of investing in MYFW?
Claude: Catastrophic 39.3% revenue decline signals severe competitive pressure or market share loss. Negative operating cash flow of -$1.8M despite positive net income indicates potential asset quality issues or working capital deterioration.
What is MYFW's revenue and growth?
First Western Financial Inc reported revenue of $96.9M.
Does MYFW pay dividends?
First Western Financial Inc does not currently pay dividends.
Where can I find MYFW SEC filings?
Official SEC filings for First Western Financial Inc (CIK: 0001327607) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is MYFW's EPS?
First Western Financial Inc has a diluted EPS of $1.34.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is MYFW a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, First Western Financial Inc has a SELL rating with 65% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is MYFW stock overvalued or undervalued?
Valuation metrics for MYFW: ROE of 5.0% (sector avg: 12%), net margin of 13.6% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy MYFW stock in 2026?
Our dual AI analysis gives First Western Financial Inc a combined SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is MYFW's free cash flow?
First Western Financial Inc's operating cash flow is $-1.8M, with capital expenditures of $4.0M. FCF margin is -6.0%.
How does MYFW compare to other Finance stocks?
Vs Finance sector averages: Net margin 13.6% (avg: 25%), ROE 5.0% (avg: 12%), current ratio N/A (avg: 1.2).