Obermatt

First Western Financial

NSQ:MYFW · US33751L1052
BanksX-Small

360

11
Profit price7
Cash yield1
Price/Sales85
EV / Gross Profit85
Price/Book85
Returns on capital20
Profit margins
Cash Conversion12
Accruals7
Owner Earnings Margin10
Sales growth74
Profit Growth6
Owner Earnings Growth59
Reinvestment58
Price momentum80
Debt load92
Debt serviceability76
Liquidity12
Analyst ratings20
Opinion Changes50
Price Target Upside1
Market mood4
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

First Western Financial clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeX-Small
TypePublic Company
ExchangeNASDAQGS
Founded2002
Employees356
ISINUS33751L1052
Last UpdateApr 2, 2026
Themes
BankingFinancial ServicesWealth Management

Description

First Western Financial, Inc. operates as the bank holding company for First Western Trust Bank that provides a fully integrated suite of wealth management services on the company’s private trust bank platform, which includes a comprehensive selectio…

Analysis

Weak and unloved

First Western Financial, Inc. scores below average on quality and is priced accordingly, a low-conviction position in either direction.

On valuation, the picture is fair. The owner-earnings multiple stands at 20.3×; owner earnings: the cash an owner could take out each year.

Growth is solid; the safety picture is stretched. The company scores 10/20 on our value-creation score: creating some value. Analyst sentiment is cautious.

Flags to be aware of: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
43
2023202420252026

All-time high

93

Jan 2023

All-time low

25

Jan 2024

Average rank

58

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
85
89
87
91
Price/Earnings
18
22
28
83
Price/Book
85
87
87
37
Dividend Yield
1
1
1
1
Value (overall)
44
51
47
55

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →