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First Western Financial Inc key statistics and ratios

In fiscal 2025, First Western Financial Inc had return on equity of 5.1% and a net margin of 13.6%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2017Dec 20172018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMSept 2026
Net margin3.7%9.8%12.5%26.5%21.6%20.1%6.3%9.4%13.6%19.2%
Return on equity2.0%5.2%6.5%17.4%11.0%9.4%2.2%3.4%5.1%7.7%
Return on assets0.2%0.5%0.7%1.5%0.9%0.8%0.2%0.3%0.4%0.6%
Effective tax rate59.6%23.9%21.4%25.8%24.5%24.7%26.0%26.8%22.8%22.0%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

29 /100

Weak moat

How hard First Western Financial's competitive advantage looks for rivals to wear away, judged from 9 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 4 / 20

    Net income has been a median 0.6% of total assets over 9 years.

  • Durability 7 / 20

    Net margin has been a median 14.5%; its worst year was 3.1%.

  • Discipline 9 / 20

    The diluted share count rose 22.0% over five years; stock-based pay has been a median 2.8% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (34 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: MYFW vs PLBCMYFW vs WTBACZFS vs MYFW

More: Regional Banks stocks compared, Financials sector, rankings of US companies

Figures from First Western Financial Inc's SEC filings (10-K and 10-Q), retrieved October 31, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to First Western Financial Inc.