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First Western Financial Inc

Company price
31.27 USD -0.02 ( 0.06%)
Last update at 2026-11-12T15:40:00Z
VOLUME
1256
Market Cap
300.28M
P/E
16.53

Momentum Score

…

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. 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.

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Day Price Range
31.27
Low
31.30
High
52 Week Price Range
21.95
Low
34.36
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
31.29
Dividend Yield
-
Revenue TTM
106.67M
Revenue Per Share
10.97
Gross Profit TTM
106.67M
Debt / Equity
0.41
ROE
6.84%
Net Debt
-92.67M
ROCE
4.42%
Diluted EPS TTM
1.86

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 17.07M 11.58M 7.06M 28.83M 27.28M
Net income 13.19M 8.47M 5.22M 21.70M 20.61M
Selling general administrative 52.41M 47.94M 47.89M 54.60M 50.78M
Selling and marketing expenses 1.22M 1.21M 1.54M 1.89M 1.61M
Gross profit 97.83M 87.51M 80.57M 1.45M 96.66M
Reconciled depreciation 2.64M 2.56M 2.04M 0.31M 0.02M
Ebit 17.99M 11.58M 7.06M 47.80M 27.28M
Ebitda 20.05M 14.14M 9.44M 48.11M 27.30M
Depreciation and amortization 2.06M 2.56M 2.38M 0.31M 0.02M
Operating income 17.99M 11.58M 7.06M 47.80M 27.28M
Other operating expenses 168.36M 166.19M 158.32M 1.89M -69.38M
Interest expense 84.42M 88.33M 74.45M 17.27M 5.42M
Tax provision 3.89M 3.11M 4.80M 7.13M 6.67M
Interest income 159.21M 152.19M 138.80M 100.09M 61.92M
Net interest income 74.79M 63.86M 75.34M 82.82M 56.51M
Income tax expense 3.89M 3.11M 1.84M 7.13M 6.67M
Total revenue 186.35M 177.77M 165.38M 1.45M 96.66M
Total operating expenses 79.79M 75.93M 73.51M 1.89M -69.38M
Cost of revenue 88.53M 90.26M 84.81M - -
Total other income expense net -0.92M -139.86M -5.62M -18.97M -5.42M
Net income from continuing ops 13.19M 8.47M 13.91M 21.70M 20.61M
Net income applicable to common shares - - - 21.70M 20.61M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 3154.98M 2919.04M 2981.83M 2866.75M 2527.49M
Intangible assets 1.02M 1.23M 1.45M 32.10M 31.90M
Other current assets - - 275.43M -1.97M 1956.75M
Total liab 2889.42M 2666.72M 2739.09M 2625.88M 2308.45M
Total stockholder equity 265.56M 252.32M 242.74M 240.86M 219.04M
Other current liab 2746.57M 2514.21M 2434.62M -1.12M -0.35M
Capital stock 0.00M 0.00M 0.00M 0.00M 0.00M
Retained earnings 72.70M 59.52M 51.04M 51.89M 30.19M
Other liab - - - 9.35M 24.73M
Good will 30.40M 30.40M 30.40M 30.40M 30.59M
Other assets 3020.28M 2829.59M - 2507.56M 1956.75M
Cash 200.28M 236.04M 254.44M 196.51M 385.49M
Total current liabilities 2747.87M 2516.20M 2560.30M 1.12M 0.35M
Current deferred revenue - - -3.79M - -
Net debt -92.67M -126.44M -65.49M 2.51M -307.83M
Short term debt - 58.05M 125.68M - -
Short long term debt total 107.61M 109.60M 188.95M 199.02M 77.66M
Other stockholder equity 194.17M 193.59M 192.89M 190.49M 188.63M
Property plant equipment - - - 25.12M 23.98M
Total current assets 261.68M 256.88M 275.43M 213.80M 456.07M
Long term investments 147.34M 81.59M 81.26M 88.17M 58.80M
Net tangible assets - - - 208.76M 187.14M
Short term investments 45.61M -226.27M - 81.06M 56.21M
Net receivables 15.79M 20.84M 20.99M 17.29M 14.37M
Long term debt 107.61M 109.60M 178.05M 199.02M 77.66M
Inventory - - -275.43M - -
Accounts payable 1.29M 2.00M 3.79M 1.12M 0.35M
Accumulated other comprehensive income -1.31M -0.78M -1.20M -1.52M 0.22M
Retained earnings total equity - - - 51.89M 30.19M
Non currrent assets other 61.30M 88.80M 2361.82M -6.91M -6.84M
Non current assets total 2893.30M 2662.16M 2706.39M 145.39M 114.67M
Long term debt total - - - 52.13M 39.03M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -66.65M 66.44M -174.48M -23.86M 16.24M
Change to liabilities - - - -1.68M 1.85M
Total cashflows from investing activities -264.44M 66.44M -66.39M -558.80M -46.36M
Net borrowings -2.20M -68.67M -21.18M 144.43M 14.67M
Total cash from financing activities 228.58M -84.30M 102.44M 320.05M 111.50M
Change to operating activities - - - -1.25M 1.60M
Net income 13.19M 8.47M 5.22M 21.70M 20.61M
Change in cash -37.66M -18.40M 57.93M -190.47M 230.99M
Begin period cash flow 237.94M 254.44M 196.51M 386.98M 155.99M
End period cash flow 200.28M 236.04M 254.44M 196.51M 386.98M
Total cash from operating activities -1.80M -0.54M 21.88M 48.28M 165.85M
Depreciation 2.64M 2.56M 2.38M 2.01M 1.27M
Other cashflows from investing activities -193.82M 67.75M -70.72M -531.97M -60.49M
Dividends paid 0.58M 0.46M 0.62M -0.38M -0.08M
Change to account receivables 1.69M -0.12M -4.82M -3.22M 1.01M
Sale purchase of stock -0.78M -0.09M -0.44M -0.70M -39.74M
Other cashflows from financing activities 232.37M -15.07M 123.37M 895.99M 306.11M
Change to netincome - - - 27.58M 141.89M
Capital expenditures 3.97M 1.21M 2.35M 2.97M 2.11M
Change receivables - - - -3.22M 1.01M
Cash flows other operating - - - 1.89M -0.79M
Cash and cash equivalents changes - - - -190.47M 230.99M
Change in working capital -7.68M -0.95M -3.23M -4.90M 2.86M
Stock based compensation 2.17M 1.49M 1.84M 2.56M 2.90M
Other non cash items -11.34M -15.24M 13.61M 26.35M 138.87M
Free cash flow -5.77M -1.76M 19.53M 45.31M 163.74M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
MYFW
First Western Financial Inc
-0.02
0.06%
31.27 16.53 - 2.82 1.07 3.60
DBSDY
DBS Group Holdings Ltd ADR
-0.76
0.34%
219.92 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H
-
-%
6.62 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd
0.28
0.82%
34.49 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA
-0.46
0.49%
92.86 11.53 10.27 5.72 1.83 8.22

Profile*

First Western Financial Inc

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. 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.

1900 16th Street, Denver, CO, United States, 80202

303 531 8100

320

Name Title Year Born
Mr. Scott C. Wylie Chairman, CEO & Pres 1958
Ms. Julie A. Courkamp CFO, COO, Treasurer & Director 1980
Mr. John Emery Sawyer C.F.A., CFA Chief Investment Officer 1969
Mr. Matthew C. Cassell Pres of Commercial Banking 1976
Mr. Scott J. Lawley C.F.A. Chief Credit Officer 1964
Mr. Scott C. Wylie Chairman, CEO & President 1958
Ms. Julie A. Courkamp COO & Director 1980
Mr. David R. Weber CFO & Treasurer 1988
Ms. Jesica Montgomery Principal Accounting Officer & Controller 1976
Mr. Matthew C. Cassell Chief Banking Officer & President of Commercial Banking 1977

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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