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First Western Financial Inc (MYFW) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of First Western Financial Inc stock $22.45, price $30.71, that is 26.9% below the price, quality 45 out of 100. Rating: overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

FW First Western Financial Inc logo Some data Nov 6, 2026

First Western Financial Inc

MYFW · US
Expensive, weak quality

Our calculation puts a fair price 27% below what the stock costs today.

Solidly profitable · 19.2% net margin (TTM)
Last quarter vs. a year ago: revenue +17%, profit +88%.
Quality 45/100
Expensive Growth (revenue 5y +12.6 %/yr in USD)
Insiders sold $518,052 (6M)
Some data
Fair value $22.45 · Overvalued
Trails peers (3/12)
Narrow moat 44/100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$34.19 $13.12 Fair Value $22.45 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.

How to read this chart

60‑month range $13.12 – $34.19 · fair‑value band $16.84 – $28.06 · the $30.71 price screens above the $22.45 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.

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Company profile

First Western Financial, Inc., a financial holding company, provides wealth advisory, private banking, personal trust, investment management, mortgage lending, and institutional asset management services to individual and corporate clients.

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The company operates in two segments, Wealth Management and Mortgage.

The Wealth Management segment provides deposit products, including money market, demand deposit, time-deposit, interest checking, and saving accounts; loans comprising consumer and commercial purpose, unsecured consumer, construction and development, 1-4 residential, commercial real estate, and commercial and industrial loans; trust and investment management advisory products and services; and insurance.

The Mortgage segment engages in soliciting, originating, and selling residential mortgage loans into the secondary market. It serves entrepreneurs, professionals, high net worth individuals or families, and business and philanthropic organizations.

The company was incorporated in 2002 and is headquartered in Denver, Colorado.

Stock analysis

First Western Financial Inc (MYFW) currently trades at $30.71, while our model-based Fair Value estimate is $22.45, 27% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $22.45 per share, and 0 of the 4 models we run sit above the $30.71 price.

Bear case: the Asset-Based group reads lowest at $16.06, and 4 of the 4 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $16.84 (bear) to $28.06 (bull), the price of $30.71 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 45/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

First Western Financial Inc reported revenue of $186M in FY2025 versus $101M in FY2021, a compound +16.5%/yr. Reported net income was $13.2M in FY2025, compounding −10.6%/yr from FY2021.

Key figures

Market cap $306M Small · P/E ratio 14.4 · P/S ratio 2.76 · EPS (TTM) $2.14 · Net margin 19.2% · Return on equity 7.7% · Return on assets (EBIT) 0.7% (5-year average) · Operating margin 26.1%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 44 out of 100 (medium confidence).

What moves the price

The share trades about 10% below its 52-week high and 35% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −27%, MYFW screens cheaper than that median.

Fair Value models

Bear $16.84 Fair Value $22.45 Bull $28.06
Price $30.71 · Downside -26.9%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.84 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $18.99 $18.51 $19.05 71
P/E Multiple $13.17 $17.56 $21.95 63
P/B Multiple $20.50 $27.33 $34.16 55
All 4 models by family
Multiples
P/E Multiple $13.17 $17.56 $21.95 63
P/B Multiple $20.50 $27.33 $34.16 55
Asset-Based
NCAV (Graham) $11.99 $16.06 $23.98 54
Economic Profit
Residual Income $18.99 $18.51 $19.05 71

Open the full fair value analysis →

Quality Score breakdown

Overall quality 45/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 19
How much profit the company makes from its sales and capital
Quality Growth 59
Are margins and returns getting better?
Cashflow 9
Do the profits arrive as real cash?
Financial strength 21
Debt, balance sheet and risk of trouble
Investment 89
Does it invest with discipline instead of growing at any price?
Low Volatility 79
How calm the share price moves, does not count
Price momentum 53
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 69
Distance to the 52-week high, does not count
New shares 78
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, one officer or director sold shares worth $518,052 and none bought.

  • SaleScott C WylieCHAIRMAN, CEO AND PRESIDENT, Director6× since Nov 25, 2025: 46,171 shares, avg. $27.44$1.3MAug 31, 2026
  • SaleScott C MitchellDirector4,093 shares at $24.41$99,920Feb 4, 2026
  • SaleDavid R DuncanDirector3× since Jan 27, 2026: 16,700 shares, avg. $25.31$422,679Feb 3, 2026
  • SaleLuke A LatimerDirector1,646 shares at $25.78$42,434Dec 16, 2025
  • SaleMark L SmithDirector1,646 shares at $25.79$42,450Dec 11, 2025
  • SaleJulie A CourkampCHIEF OPERATING OFFICER, Director2,933 shares at $25.82$75,730Dec 10, 2025

Plus 9 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 60/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+4.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.6%
Start year 2020 (pandemic)
Revenue growth 9 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.5%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
−14.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year−14.3%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−11.9% vs 15.8%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.32% → 10%
Pace: the 5-year rate starts in 2020 (pandemic)

MYFW screens overvalued: fair value 27% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 3/12 measures
Overall it trails its industry peers.
Valuation
Quality Score 45 · Bottom 25%
Fair Value upside −26.9% · Below median
Profitability
Return on equity (12 months) 7.7% · Below median
Return on assets 0.4% · Bottom 25%
Net margin (12 months) 19.2% · Bottom 25%
Operating margin (12 months) 26.1% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 17.0% · Above median
Balance sheet
Debt / equity 0.41× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 14.4× · Priciest 25%
P/B 1.15× · Cheaper than median
P/S (12 months) 2.76× · Cheaper than median
EV/EBITDA 10.6× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)85 · sector 47
PAST (return on equity)31 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs MYFW
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs MYFW
BNP Paribas SA BNP €91.93 €106.01 +15% vs MYFW
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs MYFW
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs MYFW
UniCredit S.p.A UCG €76.80 €50.44 −34% vs MYFW
Mizuho Financial Group MFG $9.40 $5.89 −37% vs MYFW
DBS Group D05 69.72 SGD 40.39 SGD −42% vs MYFW
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs MYFW
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs MYFW

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First Western Financial Inc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "First Western Financial Inc Fair Value". https://www.fairvalue-calculator.com/stock/MYFW

Frequently asked questions

Is First Western Financial Inc (MYFW) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of $22.45 versus a price of $30.71, about 27% lower (overvalued).
What is the fair value of MYFW?
Our model-based fair value for First Western Financial Inc is $22.45 (as of Nov 6, 2026), built from audited fundamentals. The current price: $30.71.
What is the quality score of MYFW?
First Western Financial Inc has a Quality Score of 45/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for First Western Financial Inc (MYFW)?
Our model-based price target is the fair value of $22.45 (as of Nov 6, 2026) from 4 valuation models. Cautious scenario $16.84, optimistic scenario $28.06. It is a calculation from audited fundamentals, not an analyst target.
What is the First Western Financial Inc stock forecast for 2026?
Our models put fair value at $22.45, about 27% lower versus a price of $30.71 (overvalued). Cautious scenario $16.84, optimistic scenario $28.06. The calculation is refreshed regularly with new filings.
What is the revenue of First Western Financial Inc (MYFW)?
First Western Financial Inc reported trailing-twelve-month revenue of about $111M (latest available figure, as of Nov 6, 2026).
Does First Western Financial Inc pay a dividend?
First Western Financial Inc does not currently pay a dividend.
What is the intrinsic value of First Western Financial Inc (MYFW)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For First Western Financial Inc it is $22.45 per share (as of Nov 6, 2026), against a price of $30.71. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is First Western Financial Inc stock overvalued or undervalued in 2026?
As of Nov 6, 2026, MYFW trades above its calculated fair value: price $30.71, fair value $22.45, a gap of about −27% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of MYFW?
No. The price is what the market pays today ($30.71); the fair value is what the company's own numbers justify ($22.45). For First Western Financial Inc the two are $8.26 per share apart. That gap is exactly why we show both numbers side by side.
How much is First Western Financial Inc worth?
The market values First Western Financial Inc at about $306M (market capitalisation, as of Nov 6, 2026). Per share that is $30.71; our models calculate a fair value of $22.45 per share.
What do the bullish and bearish scenarios say about MYFW?
Our models span a range for First Western Financial Inc: cautious scenario $16.84, base $22.45, optimistic $28.06 per share (as of Nov 6, 2026, price $30.71). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of MYFW?
First Western Financial Inc trades at a price-to-earnings ratio of 14.4 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $22.45 is built from several models across several years. Median P/E at fiscal year-end, 8 fiscal years (2018 to 2025), reported earnings, 4 of the years ex one-offs: 13.7. Other multiples: P/B 1.2, P/S 2.8, EV/EBITDA 10.6.
How solid is the balance sheet of First Western Financial Inc (MYFW)?
Balance-sheet figures for First Western Financial Inc (as of Nov 6, 2026): return on equity 7.7%, debt of 0.41 per unit of equity. They feed the Quality Score of 45/100, which measures business quality independently of the share price.
How far is MYFW from its 52-week high?
First Western Financial Inc trades at $30.71, about 10% below its 52-week high of $34.19 and 35% above the low of $22.73 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $22.45 is for.
Which stocks are comparable to First Western Financial Inc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is First Western Financial Inc stock attractive at the current price?
The data as of Nov 6, 2026: price $30.71, calculated fair value $22.45 (−27%), Quality Score 45/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of MYFW calculated?
We run First Western Financial Inc through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $22.45 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. First Western Financial Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of First Western Financial Inc (MYFW)?
The closing price on Nov 6, 2026 was $30.71. Our model-based fair value is $22.45, about 27% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with First Western Financial Inc right now?
The price sits above even our optimistic bull case ($28.06). The favourable scenario is already priced in. Weak quality (45/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of First Western Financial Inc

How large is the market capitalisation of First Western Financial Inc (MYFW)?
The market capitalisation of First Western Financial Inc is $306M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of First Western Financial Inc (MYFW)?
The price-to-sales ratio of First Western Financial Inc is 2.76 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of First Western Financial Inc (MYFW)?
Earnings per share at First Western Financial Inc are $2.14 (price ÷ EPS = P/E 14.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of First Western Financial Inc (MYFW)?
The net margin of First Western Financial Inc is 19.2% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of First Western Financial Inc (MYFW)?
The return on equity (ROE) of First Western Financial Inc is 7.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of First Western Financial Inc (MYFW)?
On an EBIT basis the return on assets of First Western Financial Inc is 0.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of First Western Financial Inc (MYFW)?
The operating margin of First Western Financial Inc is 26.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at First Western Financial Inc (MYFW)?
Revenue at First Western Financial Inc is growing +17.0% versus a year earlier (3y avg +13.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at First Western Financial Inc (MYFW)?
Earnings per share at First Western Financial Inc are growing +87.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does First Western Financial Inc (MYFW) generate?
The free cash flow of First Western Financial Inc is −$5.8M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does First Western Financial Inc (MYFW) hold?
First Western Financial Inc holds more cash than debt, $92.7M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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