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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#2361
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$224M
Scott C. Wylie
First Western Financial provides wealth management, private banking, personal trust, investment management, mortgage lending, and institutional asset management services. The Mortgage segment engages in soliciting, originating, and selling mortgage loans into the secondary market. The company operates 18 profit centers, including 14 boutique private trust bank offices with 2 locations in Arizona, 9 locations in Colorado, and 3 location in Wyoming.
Headcount
310
HQ Base
Pending Verification
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = MYFW ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$MYFW First Western Financial Inc | 48 | 33 | 43 | 70 | 20.6x | 13.7x | 4.6% | 0.4% | 0.0% | 17.7% | 12.7% | 17.8% | 0.0% | 1139.0x | $224M | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
First Western Financial Inc (MYFW) receives a "Reduce" rating with a composite score of 47.7/100. It ranks #2361 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Outperforming peers — winners tend to keep winning over 3-12 months
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
Average volatility — neutral timing signal
Moderate investment profile
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for MYFW.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 33 | 58 | -25DRAG |
| MOMENTUM | 70 | 78 | -8DRAG |
| VALUATION | 43 | 49 | -6DRAG |
| INVESTMENT | 45 | 87 | -42DRAG |
| STABILITY | 48 | 47 | +1NEUTRAL |
| SHORT INT | 56 | 67 | -11DRAG |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 9.3% vs WACC 8.5% (spread +0.8%)
GM 0% vs sector 78%, OM 18% vs sector 18%
Capital turnover 0.78x
Rev growth 18%, 8yr history
Interest coverage 3.5x, Net debt/EBITDA 6.7x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate First Western Financial Inc (MYFW) as a Reduce with a composite score of 47.7/100 at a current price of $25.26. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
First Western Financial Inc holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 47.7/100 places it at rank #2361 in our full universe.
The near-term outlook is constructive, with revenue growing at 18% and momentum in the 70th percentile confirming positive market sentiment. The combination of strong top-line growth and favorable price dynamics suggests the company is executing well on its growth strategy.
No Moat
High
Poor
Fair Value
Positive momentum indicates institutional accumulation.
Stable competitive position in a defensive sector.
Leverage of 1139% D/E amplifies downside risk.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
First Western Financial Inc represents a reduce based on multi-factor quantitative performance.
First Western Financial Inc receives a Reduce rating from our analysis, with a composite score of 47.7/100 and 2 out of 5 stars, ranking #2361 out of 7,333 stocks. MYFW's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
MYFW's quality score of 33/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 4.6% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 12.7% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
With a value score of 43/100, MYFW appears somewhat expensive relative to its fundamentals. Key valuation metrics include a P/E ratio of 20.65x, an EV/EBITDA of 13.69x, a P/B ratio of 0.95x. Investors paying a premium here are likely betting on above-average growth or margin expansion to justify current prices.
With an investment score of 45/100, MYFW exhibits moderate growth-oriented spending. Key growth metrics include revenue growth of 17.8% vs. a sector average of 10.7% and a return on assets of 0.4% (sector: 1.3%). The company appears to be balancing growth investments with capital returns, though the pace of investment may not be enough to accelerate top-line growth meaningfully.
MYFW shows strong momentum characteristics with a score of 70/100. The stock has been trending above key moving averages, indicating solid demand from institutional buyers. Revenue growth stands at 17.8% year-over-year, while a beta of 0.61 reflects its sensitivity to broader market moves. This level of momentum typically signals sustained investor confidence and favorable near-term price action.
With a stability score of 48/100, MYFW exhibits average financial resilience. Key stability metrics include a beta of 0.61 and a debt-to-equity ratio of 1139.00x (sector avg: 0.5x). While the balance sheet is not a major concern, the stock is subject to typical market volatility and may experience sharper drawdowns during risk-off episodes.
The short interest score of 56/100 for MYFW suggests somewhat elevated bearish positioning by institutional traders. Specific risk factors include elevated leverage (D/E: 1139.00x), micro-cap liquidity risk. With a $224M market cap (micro-cap), First Western Financial Inc may experience above-average volatility. Investors should consider whether the short thesis has merit or if it creates a potential short-squeeze opportunity.
First Western Financial Inc is a micro-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #2361 of 7,333 overall (68th percentile). Key comparisons include ROE of 4.6% trailing the 9.0% sector median and operating margins of 17.7% below the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While MYFW currently exhibits a REDUCE profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
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Improvement in Quality (33) would have the largest impact on the composite score.
EV/EBITDA 76% ABOVE SECTOR MEDIAN
ROE 49% BELOW SECTOR MEDIAN
Gross Margin 100% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081

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