First Western Financial Inc. (MYFW) intrinsic value & 10-year financials
First Western Financial Inc. (MYFW) has a Graham intrinsic value of $36.14 per share. At $29.45 on Oct 17, 2026, the stock trades 19% below that value. Over the last 10 fiscal years revenue grew 7.5% a year to $96.9M, with an average return on invested capital of 20.8%.
- Graham intrinsic value
- $36.14
- Share price (Oct 17, 2026)
- $29.45
- Price vs Graham value
- 19% below
- Market cap
- $289.5M
- Revenue (FY2025)
- $96.9M
- Revenue growth (10-yr CAGR)
- 7.5%
- ROIC (10-yr avg)
- 20.8%
- Free cash flow (FY2025)
- -$5.8M
MYFW 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $96.9M | $13.2M | $1.34 | -$5.8M | — | 81.0% |
| FY2024 | $90.1M | $8.5M | $0.87 | -$1.8M | — | 52.0% |
| FY2023 | $82.7M | $5.2M | $0.54 | $19.5M | — | 2.2% |
| FY2022 | $107.9M | $21.7M | $2.23 | $45.3M | — | 9.4% |
| FY2021 | $95.4M | $20.6M | $2.50 | $163.7M | — | 11.0% |
| FY2020 | $92.6M | $24.5M | $3.08 | -$94.5M | — | 17.4% |
| FY2019 | $64.0M | $8.0M | $1.01 | -$21.9M | — | 6.5% |
| FY2018 | $57.6M | $5.6M | $0.63 | $17.1M | — | 5.2% |
| FY2017 | $54.5M | $2.0M | -$0.05 | -$5.9M | — | 2.0% |
| FY2016 | — | — | — | — | — | — |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
First Western Financial Inc revenue growth over the past decade is N/A; insufficient history prevents a reliable 10-year CAGR calculation.
First Western Financial Inc has earned high returns on invested capital, averaging 20.8% ROIC over the available history. High ROIC is consistent with a durable franchise, but it is not by itself proof of an economic moat.
First Western Financial Inc capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, First Western Financial Inc is modeled at 11.4% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $36.14 per share.