First Western Financial Inc. Common Stock (MYFW)

FairStock Score: 50/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a bank as a business first: deposits, loans, trust, and wealth advisory. First Western is small, with a $290 million market value and 320 employees, operating in wealth management and mortgage. In fiscal Q2 2026, the quarter ended 2026-06-30, it earned net income of $5.7 million, or $0.57 per diluted share, on revenue of $28.6 million. A year earlier in fiscal Q2 2025, the quarter ended 2025-06-30, net income was $2.5 million, or $0.26 per share, on $22.4 million of revenue. For fiscal year 2025, the year ended 2025-12-31, it reported $96.9 million of revenue, $13.2 million of net income, and $1.34 per diluted share, up from fiscal year 2024, ended 2024-12-31, when it reported $90.1 million of revenue, $8.5 million of net income, and $0.87 per diluted share. That is a genuine recent improvement. But FairStock's Lynch category calls it a slow grower that is shrinking: profit down 11.7% a year over five years and revenue up only 0.9% a year. So the recent numbers may be a rebound, not a proven trend. At the 2026-10-13 close of $29.70, FairStock calculates a P/E of 15.97, P/B of 1.03, PEG of 0.12, and ROE of 6.84%. Price-to-book near 1 is not demanding, but 6.84% ROE is mediocre for a bank; FairStock's Piotroski F-Score is 5/9. I cannot evaluate CET1, net interest margin, nonperforming loans, reserves, deposit costs, or credit concentrations from this data. Without those, I see a reasonably priced, recently improving small bank, not an obvious bargain. I would want evidence that ROE can rise and credit is sound before calling it a durable compounding opportunity.

In plain English: First Western is a small bank that also offers wealth advice, trust services and money management to people and businesses. Recent quarterly and yearly profits are much better than a year earlier, but the company earns only a modest return on its net assets and its longer-term record has been uneven. At $29.70 a share, the price looks roughly fair compared with the company's earnings and net assets, not obviously cheap.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer