First Western Financial, Inc. (MYFW)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$31.36-0.22%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · MYFW
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue growing loans and deposits by leveraging strong pipelines, disciplined underwriting, and relationship-based banking to increase net interest income and deposit base.
Stated as a priority in 2 of last 2 quarters. Total loans held for investment grew 6.8% from $2.54B in 2025-Q2 to $2.72B in 2026-Q2, and total deposits increased 12.6% from $2.53B to $2.85B over the same period. Net interest income rose 21.8% year-over-year to $21.8M in 2026-Q2. Management's statements and financial results show delivering progress on loan and deposit growth.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated weak grew net income 57% of the time over the next year (vs 60% for the rest of the cohort, n=7680).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“Healthy economic activity supports high quality loan demand and steadily expanding deposit base.”
“We continue to see healthy economic conditions resulting in solid loan demand and steadily adding new deposit relationships.”
Focus on increasing net interest margin through cost of funds reduction and asset mix improvements while managing expenses to improve efficiency ratio.
Stated as a priority in 2 of last 2 quarters. Net interest margin expanded from 2.67% in 2025-Q2 to 2.90% in 2026-Q2, driven by lower cost of funds and improved asset mix. Efficiency ratio improved from 78.8% to 74.0% over the same period. Management's statements and financial metrics indicate delivering on margin expansion and efficiency improvement.
“Net interest margin increased 9 basis points to 2.90%, driven by lower cost of funds and improved asset mix.”
“Net interest margin increased 10 basis points to 2.81%, primarily due to decreased cost of funds.”
Continue conservative underwriting and relationship-based lending to keep credit losses minimal and asset quality stable.
Stated as a priority in 2 of last 2 quarters. Non-performing assets declined from $18.8M (0.62%) in 2025-Q2 to $16.3M (0.50%) in 2026-Q2. Provision releases of $0.7M and $0.5M were recorded in 2026-Q1 and Q2 respectively, reflecting improved credit quality. Allowance for credit losses remained stable around 75 basis points. Management's statements and credit metrics show delivering on maintaining strong credit quality.
“Provision release of $0.5 million driven by decreased reserves and improved economic forecasts.”
“Provision release of $0.7 million primarily driven by decreased provision on individually analyzed loans.”
Execute the authorized share repurchase plan of up to $5 million to return capital to shareholders.
Newly stated in 2026-Q2. The Board authorized a repurchase plan of up to $5 million effective June 12, 2026, with no objection from the Federal Reserve. No repurchase activity reported yet in financials. Management has initiated the plan but delivery is pending.
“Board authorized repurchase of up to $5 million of common stock effective June 12, 2026.”
Drive earnings per share growth by improving net interest margin, managing expenses, and growing loans and deposits.
Over the trailing year it converted 3.38x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 56% for the rest of the cohort, n=6844).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, Fed net liquidity, real (inflation-adjusted) rates, long-term interest rates (low R² over the window).
5 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated stable grew net income 56% of the time over the next year (vs 57% for the rest of the cohort, n=2725).
Not investment advice. As of 2026-09-04.