First Western Financial Inc. Common Stock (MYFW)

FairStock Score: 50/100 — MIXED

Key Financials

Strengths

• Revenue growth of 16.1% demonstrates strong top-line momentum

Concerns

• Weak Piotroski F-Score of 2/9 suggests deteriorating financial quality across multiple dimensions
• Altman Z-Score of 0.1 places it in the financial distress zone—elevated bankruptcy risk

AI Analysis

First Western Financial Inc. Common Stock is a micro-cap financial services company valued at $252 million. The business generates $100 million in annual revenue with a 6.2% net margin. From a quality standpoint, First shows weak Piotroski F-Score of 2/9 signaling deteriorating fundamentals and distressed Altman Z-Score of 0.1 warrants caution. On valuation, the stock is reasonably priced at 18.3x earnings, with a modest 16% margin of safety vs Graham Number. Growth dynamics show revenue growing at 16.1% and profit growth of 20.6%. Our composite FairStock Score of 50/100 reflects mixed fundamentals overall. Investors should weigh the business quality against the current price and their own margin of safety requirements.

Bull Case

First's 16% revenue growth trajectory could accelerate as it captures additional market share in the financial services sector. Operational leverage in the business model means incremental revenue growth could disproportionately boost bottom-line profitability.

Bear Case

Macro headwinds or sector-specific disruption could pressure margins, particularly if competitive intensity increases in the financial services space. Regulatory changes, input cost inflation, or demand normalization represent underappreciated risks that could materially impact forward estimates.

Data from SEC filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer