Earnings summaries and quarterly performance for First Western Financial.
Executive leadership at First Western Financial.
Board of directors at First Western Financial.
Research analysts who have asked questions during First Western Financial earnings calls.
MC
Matthew Clark
Piper Sandler
11 questions for MYFW
Also covers: AVBH, BANC, BANR +24 more
Bill Dezellem
Tieton Capital Management
8 questions for MYFW
Also covers: ACIC, ADTN, AP +12 more
WL
Woody Lay
Keefe, Bruyette & Woods (KBW)
7 questions for MYFW
Also covers: AMTB, BKU, BMRC +15 more
BR
Brett Rabatin
Hovde Group, LLC
5 questions for MYFW
Also covers: BOKF, BPOP, CADE +20 more
RH
Ross Haberman
Rlh Investments
4 questions for MYFW
Also covers: AVBH, BAFN, BFIN +7 more
William Dezellem
Tieton Capital Management
3 questions for MYFW
Also covers: ACIC, ADTN, BGSF +15 more
WJ
Will Jones
Keefe, Bruyette & Woods (KBW)
2 questions for MYFW
Also covers: AMRZ, AMTB, CFR +6 more
BR
Brett Rabotin
Hovde Group
1 question for MYFW
WJ
William Jones
Truist Securities
1 question for MYFW
Also covers: ABCB, AMTB, CRH +7 more
WL
Wood Lay
Keefe, Bruyette & Woods
1 question for MYFW
Also covers: AMTB, BKU, BMRC +14 more
Recent press releases and 8-K filings for MYFW.
First Western Financial Reports Q4 2025 Earnings
MYFW
Earnings
Guidance Update
New Projects/Investments
- First Western Financial reported net income of $3.3 million and diluted earnings per share of $0.34 for the fourth quarter of 2025, which included a $0.10 after-tax reduction due to a $1.4 million write-down on an OREO property.
- The company experienced positive financial trends, with net interest income increasing 5.6% from the prior quarter and net interest margin expanding 17 basis points to 2.71%.
- Balance sheet growth was solid, as loans held for investment increased $59 million and total deposits increased $102 million from the end of the prior quarter.
- For 2026, First Western Financial anticipates continued balance sheet growth at similar levels to 2025, further net interest margin expansion, and aims to achieve a 1% Return on Assets (ROA), leveraging opportunities from market disruption.
- Non-interest expense, excluding the one-time OREO write-down, decreased $100,000 from the prior quarter, reflecting continued expense management.
Jan 23, 2026, 5:00 PM
First Western Financial Reports Strong Q4 2025 Performance and Positive 2026 Outlook
MYFW
Earnings
Guidance Update
Revenue Acceleration/Inflection
- First Western Financial reported net income of $3.3 million and $0.34 per diluted share for Q4 2025, which was higher than the prior quarter, despite a $0.10 after-tax reduction in EPS due to an OREO property write-down.
- The company experienced significant balance sheet growth in Q4 2025, with loans held for investment increasing $59 million and total deposits increasing $102 million from the prior quarter. New loan production amounted to $146 million at an average rate of 6.36%.
- Net interest income increased 5.6% from the prior quarter and 21.7% from Q4 2024, driven by a 17 basis point expansion in Net Interest Margin (NIM) to 2.71%.
- Non-interest expense increased $1.2 million from the prior quarter, primarily due to a one-time $1.4 million write-down on an OREO property; excluding this, non-interest expense decreased $100,000.
- For 2026, First Western Financial anticipates solid balance sheet growth similar to 2025, continued positive trends in net interest margin, and aims for a 1% Return on Assets (ROA).
Jan 23, 2026, 5:00 PM
First Western Financial Reports Q4 2025 Results
MYFW
Earnings
Guidance Update
Revenue Acceleration/Inflection
- First Western Financial reported net income of $3.3 million and $0.34 per diluted share for Q4 2025, which included a $0.10 after-tax reduction due to an OREO property write-down.
- The company experienced significant balance sheet growth, with loans held for investment increasing by $59 million and total deposits growing by $102 million from the prior quarter. New loan production reached $146 million at an average rate of 6.36%.
- Net interest income rose 5.6% from the prior quarter and 21.7% from Q4 2024, as the Net Interest Margin (NIM) expanded by 17 basis points to 2.71% due to reduced cost of funds.
- For 2026, management expects loan and deposit growth to be in line with 2025, with NIM projected to trend towards 3.15% and a clear path to 1% Return on Assets (ROA).
- Assets Under Management (AUM) experienced a $155 million decrease in Q4 2025, primarily due to net withdrawals in low-fee and fixed-fee product categories.
Jan 23, 2026, 5:00 PM
First Western Financial Reports Q4 2025 Results
MYFW
Earnings
Guidance Update
- First Western Financial (MYFW) reported Q4 2025 non-GAAP EPS of $0.34 and revenue of $26.66 million, both missing analyst consensus. The company has beaten consensus EPS estimates only once in the last four quarters.
- Despite the top-line misses, net interest margin rose 17 basis points to 2.71%, and loans held for investment increased 2.3% linked-quarter to $2.65 billion due to strong loan demand.
- Management expects continued loan growth and improved financial performance in 2026, while analysts currently rate the stock a Hold with a $29 price target. TipRanks' AI Analyst rates MYFW as Neutral due to cash-flow volatility and middling valuation.
Jan 23, 2026, 7:19 AM
First Western Financial Reports Fourth Quarter 2025 Financial Results
MYFW
Earnings
Guidance Update
- Net income available to common shareholders increased to $3.3 million in Q4 2025, up from $3.2 million in Q3 2025 and $2.7 million in Q4 2024.
- Diluted earnings per share rose to $0.34 in Q4 2025, compared to $0.32 in Q3 2025 and $0.28 in Q4 2024.
- Net interest income increased to $20.6 million in Q4 2025 from $19.5 million in Q3 2025, with the net interest margin improving to 2.71% from 2.54% over the same period.
- Total loans held for investment grew to $2.65 billion as of December 31, 2025, compared to $2.59 billion as of September 30, 2025.
- Non-performing assets decreased to $19.6 million (0.62% of Total assets) as of December 31, 2025, from $22.7 million (0.70% of Total assets) as of September 30, 2025, and $49.0 million (1.68% of Total assets) as of December 31, 2024.
Jan 22, 2026, 9:30 PM
First Western Financial Reports Q4 2025 Results
MYFW
Earnings
Guidance Update
Demand Weakening
- First Western Financial reported net income available to common shareholders of $3.3 million and diluted earnings per share of $0.34 for Q4 2025, compared to $3.2 million and $0.32 respectively in Q3 2025.
- Net interest income increased 5.6% to $20.6 million in Q4 2025, with the net interest margin rising 17 basis points to 2.71%.
- Total loans held for investment grew 2.3% to $2.65 billion as of December 31, 2025, while total deposits decreased 3.5% to $2.75 billion.
- The company's efficiency ratio improved to 74.88% in Q4 2025 from 76.38% in Q3 2025, and tangible book value per common share increased 1.6% to $24.07.
- Non-performing assets decreased to $19.6 million, or 0.62% of Total assets, as of December 31, 2025, from $22.7 million, or 0.70% of Total assets, as of September 30, 2025.
Jan 22, 2026, 9:10 PM
First Western Financial Inc. Reports Robust Q3 2025 Results and Strategic Growth
MYFW
Earnings
Revenue Acceleration/Inflection
M&A
- First Western Financial Inc. (MYFW) reported net income of $3.2 million and diluted earnings per share of $0.32 for Q3 2025, marking a 45% increase in diluted EPS compared to Q3 2024.
- The company achieved significant balance sheet growth in Q3 2025, with total deposits increasing 12.6% to $2.85 billion and gross revenue growing 8.7% to $26.3 million from the prior quarter.
- As of September 30, 2025, MYFW's financial highlights included $3.24 billion in total assets, $2.61 billion in total loans, and $7.43 billion in assets under management (AUM), alongside strong asset quality metrics.
- MYFW's tangible book value per share increased 1.2% to $23.68 in Q3 2025, and the company is pursuing long-term growth targets of $5 billion in total assets and $25 billion in Trust and Investment Management (TIM) assets through organic growth and strategic acquisitions.
Nov 4, 2025, 9:15 PM
MYFW Reports Q3 2025 Earnings, Net Income Up 45% Year-over-Year
MYFW
Earnings
Revenue Acceleration/Inflection
Share Buyback
- Net income for Q3 2025 reached $3.2 million, or $0.32 per diluted share, marking a 45% increase from the third quarter of last year.
- Gross revenue saw an 8.7% increase quarter-over-quarter and a 15.5% increase year-over-year.
- Total deposits grew by $320 million and loans held for investment increased by $50 million from the prior quarter.
- The Net Interest Margin (NIM) was 2.54%, a 13 basis point decrease from the prior quarter, but management expects approximately 5 basis points of NIM expansion in Q4 2025.
- The company utilized its strong capital position to repurchase shares, which was accretive to tangible book value per share.
Oct 24, 2025, 4:00 PM
First Western Financial Reports Q3 2025 Earnings with Increased Profitability and Strong Balance Sheet Growth
MYFW
Earnings
Revenue Acceleration/Inflection
Share Buyback
- First Western Financial reported net income of $3.2 million and $0.32 per diluted share for Q3 2025, representing a 45% increase in EPS from the prior year's third quarter.
- The company saw strong balance sheet growth, with loans held for investment increasing by $50 million and total deposits growing by $320 million from the prior quarter.
- Gross revenue increased by 8.7% quarter-over-quarter, driven by an 8.9% increase in net interest income and an 8.5% increase in non-interest income.
- Net Interest Margin (NIM) decreased by 13 basis points to 2.54% in Q3 2025, but management expects it to expand by approximately 5 basis points in Q4 2025 as liquidity is deployed into the loan portfolio.
- Tangible book value per share increased by 1.2%, and the company repurchased shares during the quarter. Management anticipates continued positive trends in net interest margin, fee income, and operating leverage into Q4 2025 and 2026, aiming for a 1% Return on Average Assets (ROAA).
Oct 24, 2025, 4:00 PM
First Western Financial Reports Q3 2025 Earnings with Increased Profitability and Strong Deposit Growth
MYFW
Earnings
Share Buyback
Guidance Update
- First Western Financial reported net income of $3.2 million and diluted earnings per share of $0.32 for Q3 2025, marking a 45% increase in EPS from the third quarter of the previous year.
- The company achieved substantial balance sheet growth in Q3 2025, with total deposits increasing by $320 million and loans held for investment growing by $50 million from the prior quarter.
- Gross revenue rose 8.7% quarter-over-quarter and 15.5% year-over-year, primarily driven by an 8.9% increase in net interest income from the prior quarter.
- Net Interest Margin (NIM) decreased 13 basis points to 2.54% in Q3 2025, but management expects NIM expansion of approximately 5 basis points in Q4 2025 as excess liquidity is deployed.
- Asset quality remained generally stable with minimal net charge-offs, and the allowance coverage increased to 81 basis points. The company also executed a share repurchase during the quarter, which was accretive to tangible book value per share.
Oct 24, 2025, 4:00 PM
Quarterly earnings call transcripts for First Western Financial.
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