profit from every $100 of sales.
$0$100
First Western Financial
$31.29+0.94% today
+30.8% in 1 year
1-year low $22.731-year high $34.19
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $23.19 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What First Western Financial sold, what it kept, and what it did with the cash.
Sales went from $110 million in 2022 to $99.4 million in 2025, with $13.2 million of profit last year.
SalesProfit
First Western Financial vs. similar companies
First Western Financial grows the slowest of these 5 and is the most expensive for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| First Western Financial | 23.2× · Fair price | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads First Western Financial's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 110 | 91 | 89 | 99 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 22 | 5 | 8 | 13 | |
| 2.23 | 0.90 | 0.87 | 1.35 | |
| – | – | – | – | |
| – | – | – | – | |
| 19.7% | 5.7% | 9.5% | 13.3% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 2,867 | 2,975 | 2,919 | 3,155 |
| Cash | 197 | 254 | 238 | 200 |
| Total debt | 199 | 178 | 110 | 108 |
| Total liabilities | 2,626 | 2,733 | 2,667 | 2,889 |
| 241 | 243 | 252 | 266 | |
| 10 | 10 | 10 | 10 | |
| – | – | – | – | |
| 9.0% | 2.2% | 3.4% | 5.0% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 48 | 22 | 1 | -2 | |
| 3 | 2 | 1 | 4 | |
| 45 | 20 | -1 | -6 | |
| Dividends paid | – | – | – | – |
| – | 0 | 0 | 1 | |
| 3 | 2 | 1 | 2 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 23.2×
- 13.2×
- –
- 1.0×
- 3.1×
- 4.3%
- 0.0%
Profitability
- 13.3%
- 4.0%
- 3.8%
- 5.7%
- 0.5%
Growth
- −3.4%
- −15.4%
- –
- +4.9%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 46%of 748
Bottom 29%of 603
Bottom 26%of 873
Bottom 17%of 883
Bottom 19%of 933
What analysts expect
- Average price target
- $27.00
- Range
- $27.00 – $27.00
- 1 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 23, 2026 | 0.63 | 0.44 | +43.2% |
| Jan 22, 2026 | 0.34 | 0.47 | −27.7% |
| Oct 23, 2025 | 0.32 | 0.36 | −10.3% |
| Jul 24, 2025 | 0.26 | 0.36 | −27.1% |
| Apr 24, 2025 | 0.43 | 0.23 | +84.3% |
| Jan 24, 2025 | 0.28 | 0.26 | +6.3% |
| Oct 24, 2024 | 0.22 | 0.28 | −21.4% |
| Jul 23, 2024 | 0.11 | 0.30 | −63.3% |
News
FPT Becomes the World’s First Microsoft Partner to Earn Frontier Advanced SpecializationYahoo Finance · Nov 12, 2026Cloudforce Named 2026 Microsoft Education Partner of the Year, the First Company Ever to Win the Award TwiceYahoo Finance · Nov 11, 2026Why Nvidia Stock Is Rising Despite Wall Street’s First Call for Jensen Huang to Step DownYahoo Finance · Nov 11, 2026Bullish’s New President Backs Issuer-First Model for Tokenized StocksYahoo Finance · Nov 10, 2026Hf Foods signals 3- to 5-year cross-selling runway as Searay adds mid-teens EBITDA margin in first monthSeeking Alpha · Nov 10, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
31No pass
Benjamin Graham
63Pass
Philip Fisher
32No pass
Peter Lynch
25No pass
Joel Greenblatt
10No pass
Charlie Munger
32No pass
Terry Smith
23No pass
Questions about First Western Financial
Is First Western Financial a good stock to buy?
A solid business at a fair price. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the First Western Financial AI analysis
What does First Western Financial do?
First Western Financial, Inc., a financial holding company, provides wealth management, private banking, personal trust, investment management, mortgage lending, and institutional asset management services. It is in Banks - Regional.
Does First Western Financial pay a dividend?
No. First Western Financial does not pay a dividend at the moment; in 2025 it returned $784,000 to shareholders by buying back its own shares.
Is First Western Financial stock halal?
No. First Western Financial does not pass our halal screen: its main business, banking, is not permitted. How we check
How has First Western Financial stock done over the past year?
Up 30.8% over the past twelve months, to $31.29. It traded between $22.73 and $34.19 and is 8.5% below its high.
Who are First Western Financial's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with First Western Financial's.
Prices: daily closes to Nov 11, 2026. Fundamentals: company reports via invest-like data.