MYFW
NEUTRAL
$26.72
Live
First Western Financial, Inc. · NASDAQ
Target $27.67
(+3.5%)
$18.03
52W Range
$28.0
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 15, 2026
Market cap
$260.12M
P/E
19.94
ROE
5.1%
Profit margin
13.6%
Debt/Equity
N/A
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
85%
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.
Key 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%
Positive year-over-year earnings growth of 21.50%
Forward P/E (10.77) is significantly lower than current P/E (19.94), suggesting expected earnings improvement
Key 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
Low profitability metrics for a regional bank (ROE 5.09%, ROA 0.43%)
Bearish technical trend (10/100) despite recent price gains
AI Fair Value Estimate
Based on comprehensive analysis
$30.15
+12.8% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
43
Moderate
85
50
60
20
0
AI Verdict
Value Trap Risk
Key drivers: Low Piotroski F-Score, Consistent earnings misses, Insider divestment, Attractive P/B ratio
Confidence
90%
Value
85/100
Ref P/E 19.94, P/B 0.98, Graham Number $28.69
Positives
- Price < Graham Number
- P/B < 1.0
- Price < Intrinsic Value
Watchpoints
- P/E is relatively high compared to historical bank norms
Future
50/100
Ref Growth rates and Earnings Surprise
Positives
- Positive YoY earnings growth
- Lower forward P/E
Watchpoints
- Consistent failure to meet analyst estimates
- Low ROE suggests limited internal growth capacity
Past
60/100
Ref Historical price trends and EPS surprises
Positives
- Strong 1Y and 3Y price performance
Watchpoints
- Long-term earnings volatility
- Poor recent quarterly track record
Health
20/100
Ref Piotroski F-Score
Positives
No standout positives identified.
Watchpoints
- Piotroski F-Score of 2/9 indicates weak financial health
Dividend
0/100
Ref Yield, Payout
Positives
No standout positives identified.
Watchpoints
- No dividend yield
- 0% payout ratio
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$26.72
Analyst Target
$27.67
Upside/Downside
+3.5%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for MYFW and closest competitors.
Updated 2026-04-14
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
MYFW
First Western Financial, Inc.
Primary
|
+0.8% | +49.4% | +50.1% | +13.7% | +10.2% | +3.4% |
|
HCACU
Hall Chadwick Acquisition Corp.
Peer
|
+3.1% | +3.1% | +3.1% | +3.1% | +0.9% | +0.7% |
|
FXNC
First National Corporation
Peer
|
+84.7% | +105.6% | +47.8% | +31.8% | +8.8% | +7.0% |
|
NODK
NI Holdings, Inc.
Peer
|
-34.0% | -4.3% | -0.8% | -5.0% | -2.7% | +0.9% |
|
FRAF
Franklin Financial Services Corporation
Peer
|
+132.8% | +113.9% | +66.6% | +26.9% | +14.2% | +10.2% |
MYF
First Western Financial, Inc.
Primary
5Y
+0.8%
3Y
+49.4%
1Y
+50.1%
6M
+13.7%
1M
+10.2%
1W
+3.4%
HCA
Hall Chadwick Acquisition Corp.
Peer
5Y
+3.1%
3Y
+3.1%
1Y
+3.1%
6M
+3.1%
1M
+0.9%
1W
+0.7%
FXN
First National Corporation
Peer
5Y
+84.7%
3Y
+105.6%
1Y
+47.8%
6M
+31.8%
1M
+8.8%
1W
+7.0%
NOD
NI Holdings, Inc.
Peer
5Y
-34.0%
3Y
-4.3%
1Y
-0.8%
6M
-5.0%
1M
-2.7%
1W
+0.9%
FRA
Franklin Financial Services Corporation
Peer
5Y
+132.8%
3Y
+113.9%
1Y
+66.6%
6M
+26.9%
1M
+14.2%
1W
+10.2%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
19.94
Forward P/E
10.77
PEG Ratio
N/A
P/B Ratio
0.98
P/S Ratio
2.68
EV/Revenue
1.97
EV/EBITDA
N/A
Market Cap
$260.12M
Profitability
Profit margins and return metrics
Profit Margin
13.61%
Operating Margin
17.43%
Gross Margin
N/A
ROE
5.09%
ROA
0.43%
Growth
Revenue and earnings growth rates
Revenue Growth
+5.8%
Earnings Growth
+21.5%
Q/Q Revenue Growth
+16.11%
Q/Q Earnings Growth
+20.6%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$20.75
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.0B
Net Margin
13.7%
Total Assets
$3.2B
Liabilities
$2.9B
Equity
$0.3B
Debt/Equity
10.88x
Operating CF
$-0.0B
CapEx
$-0.0B
Free Cash Flow
$-0.0B
FCF Yield
112%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-23
$N/A
2026-01-22
$0.34
-20.9% surprise
2025-10-23
$0.32
-10.3% surprise
2025-07-24
$0.26
-27.1% surprise
Financial Services Sector Comparison
Comparing MYFW against 484 companies in the Financial Services sector
(87 bullish, 202 neutral, 195 bearish)
P/E Ratio
19.94
This Stock
vs
46.02
Sector Avg
-56.7%
(Discount)
Return on Equity (ROE)
5.09%
This Stock
vs
0.23%
Sector Avg
+2126.4%
(Excellent)
Profit Margin
13.61%
This Stock
vs
50.44%
Sector Avg
-73.0%
(Weaker)
Revenue Growth
5.8%
This Stock
vs
37.35%
Sector Avg
-84.5%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
MYFW
First Western Financial, Inc.
|
NEUTRAL | $260.12M | 19.94 | 5.1% | 13.6% | $26.72 | |
|
HCACU
Hall Chadwick Acquisition Corp.
|
NEUTRAL | $262.64M | - | -% | -% | $10.33 | Compare |
|
FXNC
First National Corporation
|
NEUTRAL | $262.73M | 14.46 | 10.0% | 20.3% | $29.06 | Compare |
|
NODK
NI Holdings, Inc.
|
BEARISH | $263.29M | - | -4.3% | -3.7% | $12.82 | Compare |
|
FRAF
Franklin Financial...
|
BULLISH | $255.82M | 11.55 | 13.3% | 24.7% | $56.95 | Compare |
MYFW
First Western...
NEUTRAL
Mkt Cap
$260M
P/E
19.9
ROE
5.1%
Price
$26.72
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-02-04 | MITCHELL SCOTT C. | Director | Sale | 4,093 | $99,920 |
| 2026-02-03 | DUNCAN DAVID R | Director | Sale | 8,626 | $220,512 |
| 2026-01-28 | DUNCAN DAVID R | Director | Sale | 3,668 | $91,517 |
| 2026-01-27 | DUNCAN DAVID R | Director | Sale | 4,406 | $110,650 |
| 2026-01-05 | WEBER DAVID R. | Chief Financial Officer | Stock Award | 113 | - |
| 2026-01-05 | WYLIE SCOTT C | Chief Executive Officer | Stock Award | 7,766 | - |
| 2026-01-05 | COURKAMP JULIE A | Chief Operating Officer | Stock Award | 2,142 | - |
| 2025-12-16 | LATIMER LUKE A | Director | Sale | 1,646 | $42,434 |
| 2025-12-16 | LATIMER LUKE A | Director | Option Exercise | 1,697 | $42,425 |
| 2025-12-12 | WYLIE SCOTT C | Chief Executive Officer | Sale | 16,171 | $415,918 |
| 2025-12-12 | WYLIE SCOTT C | Chief Executive Officer | Option Exercise | 16,500 | $412,500 |
| 2025-12-11 | SMITH MARK L | Director | Sale | 1,646 | $42,450 |
| 2025-12-11 | SMITH MARK L | Director | Option Exercise | 1,697 | $42,425 |
| 2025-12-10 | COURKAMP JULIE A | Chief Operating Officer | Sale | 2,933 | $75,730 |
| 2025-12-10 | COURKAMP JULIE A | Chief Operating Officer | Option Exercise | 3,000 | $75,000 |
MITCHELL SCOTT C.
Director
2026-02-04
4,093 shares
·
$99,920
DUNCAN DAVID R
Director
2026-02-03
8,626 shares
·
$220,512
DUNCAN DAVID R
Director
2026-01-28
3,668 shares
·
$91,517
DUNCAN DAVID R
Director
2026-01-27
4,406 shares
·
$110,650
WEBER DAVID R.
Chief Financial Officer
2026-01-05
113 shares
WYLIE SCOTT C
Chief Executive Officer
2026-01-05
7,766 shares
COURKAMP JULIE A
Chief Operating Officer
2026-01-05
2,142 shares
LATIMER LUKE A
Director
2025-12-16
1,646 shares
·
$42,434
LATIMER LUKE A
Director
2025-12-16
1,697 shares
·
$42,425
WYLIE SCOTT C
Chief Executive Officer
2025-12-12
16,171 shares
·
$415,918
WYLIE SCOTT C
Chief Executive Officer
2025-12-12
16,500 shares
·
$412,500
SMITH MARK L
Director
2025-12-11
1,646 shares
·
$42,450
SMITH MARK L
Director
2025-12-11
1,697 shares
·
$42,425
COURKAMP JULIE A
Chief Operating Officer
2025-12-10
2,933 shares
·
$75,730
COURKAMP JULIE A
Chief Operating Officer
2025-12-10
3,000 shares
·
$75,000
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
3 analysts
Piper Sandler
2026-04-02
Neutral
Neutral
Past News Coverage
Recent headlines mentioning MYFW from our newsroom.
Newest → oldest
No matching news yet.