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ERC vs MYFW

ERC
Allspring Multi-Sector Income Fund
BULLISH
Price
$9.19
Market Cap
$257.8M
Sector
Financial Services
AI Confidence
75%
MYFW
First Western Financial, Inc.
NEUTRAL
Price
$26.72
Market Cap
$260.1M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
ERC
9.57
MYFW
19.94
Forward P/E
ERC
--
MYFW
10.77
P/B Ratio
ERC
0.91
MYFW
0.98
P/S Ratio
ERC
8.9
MYFW
2.68
EV/EBITDA
ERC
--
MYFW
--

Profitability

Gross Margin
ERC
100.0%
MYFW
0.0%
Operating Margin
ERC
90.08%
MYFW
17.43%
Profit Margin
ERC
93.54%
MYFW
13.61%
ROE
ERC
9.65%
MYFW
5.09%
ROA
ERC
4.02%
MYFW
0.43%

Growth

Revenue Growth
ERC
-6.6%
MYFW
5.8%
Earnings Growth
ERC
47.7%
MYFW
21.5%

Financial Health

Debt/Equity
ERC
0.42
MYFW
--
Current Ratio
ERC
0.07
MYFW
--
Quick Ratio
ERC
0.07
MYFW
--

Dividends

Dividend Yield
ERC
9.45%
MYFW
--
Payout Ratio
ERC
89.97%
MYFW
0.0%

AI Verdict

ERC BULLISH

ERC presents a compelling deep-value opportunity, characterized by a stable Piotroski F-Score of 6/9 and a current price ($9.19) that trades significantly below both its Graham Number ($14.73) and estimated Intrinsic Value ($28.32). While the technical trend is currently bearish (0/100), the fundamental valuation metrics—including a P/B of 0.91 and a low P/E of 9.57—suggest the asset is heavily undervalued. Strong earnings growth of 47.7% offsets the slight decline in revenue, though the high dividend payout ratio requires monitoring.

Strengths
Significant undervaluation relative to Graham Number ($14.73) and Intrinsic Value ($28.32)
Strong earnings growth of 47.7% YoY
Stable financial health indicated by a Piotroski F-Score of 6/9
Risks
Severe bearish technical trend (0/100)
Extremely low current ratio (0.07), indicating potential liquidity constraints
High dividend payout ratio (89.97%) limiting capital reinvestment
MYFW NEUTRAL

MYFW presents a stark contrast between attractive valuation and deteriorating fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the stock trades below its Graham Number ($28.69) and Intrinsic Value ($39.53), and is priced slightly below book value (P/B 0.98), these value signals are offset by poor operational efficiency and a consistent track record of earnings misses. The combination of heavy insider selling and a bearish technical trend suggests that the market is discounting the current valuation in favor of fundamental risks.

Strengths
Trading below Graham Number ($28.69) and Intrinsic Value ($39.53)
Price-to-Book ratio of 0.98 indicates the stock is trading at a slight discount to assets
Strong 1-year price appreciation of 50.1%
Risks
Critical financial health warning with a Piotroski F-Score of 2/9
Poor earnings reliability with 0 beats in the last 4 quarters and an average surprise of -19.44%
Aggressive insider selling with 9 sell transactions and 0 buys in the last 6 months

Compare Another Pair

ERC vs MYFW: Head-to-Head Comparison

This page compares Allspring Multi-Sector Income Fund (ERC) and First Western Financial, Inc. (MYFW) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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