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Upturn AI SWOT - About
MYFW 
First Western Financial Inc (MYFW)
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Upturn Advisory Summary
04/04/2025: MYFW (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -22.63% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/04/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 177.88M USD | Price to earnings Ratio 21.07 | 1Y Target Price 23.17 |
Price to earnings Ratio 21.07 | 1Y Target Price 23.17 | ||
Volume (30-day avg) 18128 | Beta 0.65 | 52 Weeks Range 13.46 - 22.32 | Updated Date 04/6/2025 |
52 Weeks Range 13.46 - 22.32 | Updated Date 04/6/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.87 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 9.41% | Operating Margin (TTM) 16.31% |
Management Effectiveness
Return on Assets (TTM) 0.29% | Return on Equity (TTM) 3.42% |
Valuation
Trailing PE 21.07 | Forward PE - | Enterprise Value 72141040 | Price to Sales(TTM) 1.98 |
Enterprise Value 72141040 | Price to Sales(TTM) 1.98 | ||
Enterprise Value to Revenue 3.21 | Enterprise Value to EBITDA - | Shares Outstanding 9704420 | Shares Floating 7619232 |
Shares Outstanding 9704420 | Shares Floating 7619232 | ||
Percent Insiders 17.42 | Percent Institutions 61.47 |
Analyst Ratings
Rating 4 | Target Price 24 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
First Western Financial Inc
Company Overview
History and Background
First Western Financial, Inc. was founded in 2002. It provides a range of wealth management, private banking, and commercial banking services primarily in the Western United States. The company has grown through organic expansion and strategic acquisitions.
Core Business Areas
- Wealth Management: Provides comprehensive financial planning, investment management, trust, and estate planning services to high-net-worth individuals and families.
- Private Banking: Offers personalized banking services, including deposit accounts, loans, and credit cards, tailored to the unique needs of affluent clients.
- Commercial Banking: Provides a range of banking solutions for businesses, including commercial loans, lines of credit, treasury management, and deposit services.
Leadership and Structure
The company is led by a team of experienced financial professionals. Scott Wylie is the founder, chairman, and chief executive officer. The organizational structure includes various departments overseeing wealth management, private banking, commercial lending, and operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans provided to businesses for various purposes such as expansion, equipment purchase, and working capital. While specific market share data for First Western is unavailable, the commercial lending market is highly competitive. Competitors include larger national and regional banks like Wells Fargo, Bank of America, and US Bank.
- Wealth Management Services: Investment advisory and financial planning services for high net worth individuals. Market share data is not readily available. Competitors are Charles Schwab, Fidelity, and large brokerage houses.
- Private Banking Services: Tailored banking services for affluent clientele. Market share is not readily available. Competitors are J.P. Morgan Private Bank, and other regional banks with private banking arms.
Market Dynamics
Industry Overview
The financial services industry is subject to regulatory changes, interest rate fluctuations, and economic conditions. Growth opportunities exist in wealth management and commercial lending, driven by expanding populations and increasing business activity in their operating geographies.
Positioning
First Western Financial, Inc. positions itself as a relationship-focused financial institution catering to affluent clients and businesses in the Western U.S. It emphasizes personalized service and local expertise.
Total Addressable Market (TAM)
The total addressable market for wealth management and commercial banking in the Western U.S. is substantial, estimated to be in the hundreds of billions of dollars. First Western has a small position relative to this TAM, focusing on targeted segments with a high level of service.
Upturn SWOT Analysis
Strengths
- Strong focus on relationship banking
- Experienced management team
- Presence in high-growth markets
- Diversified revenue streams
Weaknesses
- Smaller size compared to national banks
- Limited geographic diversification
- Reliance on specific sectors of the economy
- Higher operational costs compared to fintech solutions
Opportunities
- Expansion into new geographic markets
- Acquisition of complementary businesses
- Increased adoption of digital banking solutions
- Growing demand for wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Economic downturns affecting loan performance
- Regulatory changes impacting banking operations
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- WFC
- BAC
- USB
Competitive Landscape
First Western Financial Inc. operates in a highly competitive landscape. Its advantage lies in its personalized service and local expertise, but it faces challenges from larger banks with greater resources and fintech companies offering innovative digital solutions.
Major Acquisitions
Vantegrity Financial Group
- Year: 2021
- Acquisition Price (USD millions): 17.5
- Strategic Rationale: Expanded wealth management capabilities and geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Historical growth patterns require up-to-date financial data to be accurate. Please refer to the First Western Financial Incu2019s SEC filings for the most up to date information.
Future Projections: Future growth projections requires up-to-date financial data to be accurate. Please refer to the First Western Financial Incu2019s SEC filings for the most up to date information.
Recent Initiatives: Recent initiatives include expanding digital banking capabilities, focusing on organic loan growth, and exploring strategic acquisitions.
Summary
First Western Financial is a regional bank focusing on wealth management, private banking and commercial banking. They have strengths in personalized service and a focus on high-growth markets. However, their smaller size compared to national banks and reliance on specific sectors presents weaknesses. First Western should capitalize on digital solutions and be prepared for economic downturns.
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Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First Western Financial Inc
Exchange NASDAQ | Headquaters Denver, CO, United States | ||
IPO Launch date 2018-07-19 | Founder, Chairman, CEO & President Mr. Scott C. Wylie | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 321 | Website https://www.myfw.com |
Full time employees 321 | Website https://www.myfw.com | ||
First Western Financial, Inc., a financial holding company, provides wealth advisory, private baking, personal trust, investment management, mortgage lending, and institutional asset management services. The company operates through two segments: Wealth Management and Mortgage. The Wealth Management segment provides deposit, loan, life insurance, and trust and investment management advisory products and services. The Mortgage segment engages in soliciting, originating, and selling mortgage loans into the secondary market. It serves entrepreneurs, professionals, high net worth individuals or families, and business and philanthropic organizations. First Western Financial, Inc. was incorporated in 2002 and is headquartered in Denver, Colorado.
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