First Western Financial Inc
MYFWOther · Accelerated filer<br>Smaller reporting company · SEC filings ↗ · Compare ⊕
View price & chart on Yahoo Finance ↗Financials
SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $96.9M | $90.1M | $82.7M | $107.9M | $95.4M | $92.6M |
| Operating income | — | — | — | — | — | — |
| Net income | $13.2M | $8.5M | $5.2M | $21.7M | $20.6M | $24.5M |
| Total assets | $3.15B | $2.92B | $2.98B | $2.87B | $2.53B | $1.97B |
| Total liabilities | $2.89B | $2.67B | $2.73B | $2.63B | $2.31B | $1.82B |
| Equity | $265.6M | $252.3M | $242.7M | $240.9M | $219.0M | $155.0M |
| EPS (diluted) | $1.34 | $0.87 | $0.54 | $2.23 | $2.50 | $3.08 |
| Shares out. | 9.7M | 9.6M | 9.5M | 9.4M | 8.0M | 7.9M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- 13.6%
- Return on equity
- 5.0%
- Return on assets
- 0.4%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 91.6%
- Debt / equity
- 10.88×
- Book value / share
- $27.36
- Revenue growth (YoY)
- 7.6%
- Net income growth (YoY)
- 55.6%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- 0.5%clean
- Piotroski F-Score
- 2/7weak
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 2 warning● 2 good- High leverage (liabilities > 70% of assets)
- Negative operating cash flow
- Revenue is growing year-over-year
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Wellington Management Group LlpPassive (13G)May 15, 2026
- North Reef Capital Management LpPassive (13G)Feb 17, 2026
- Banc Funds Co LlcPassive (13G)Feb 17, 2026
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Wylie Scott COfficer — CHAIRMAN, CEO AND PRESIDENT | May 22, 2026 | Sell | 6,417 | $28.31 |
| Wylie Scott COfficer — CHAIRMAN, CEO AND PRESIDENT | May 20, 2026 | Sell | 1,083 | $28.52 |
| Courkamp Julie AOfficer — CHIEF OPERATING OFFICER | May 1, 2026 | Grant | 3,940 | $0.00 |
| Weber David R.Officer — Chief Financial Officer | May 1, 2026 | Grant | 668 | $0.00 |
| Cassell Matthew C.Officer — CHIEF REVENUE OFFICER | May 1, 2026 | Grant | 862 | $0.00 |
| Wylie Scott COfficer — CHAIRMAN, CEO AND PRESIDENT | May 1, 2026 | Grant | 7,005 | $0.00 |
| Mitchell Scott CDirector | Jan 26, 2026 | Sell | 2,013 | $23.56 |
| Duncan David RDirector | Feb 3, 2026 | Sell | 2,000 | $25.50 |
| Duncan David RDirector | Jan 28, 2026 | Sell | 1,674 | $24.95 |
| Duncan David RDirector | Jan 27, 2026 | Sell | 1,381 | $24.99 |
| Weber David R.Officer — Chief Financial Officer | Jan 5, 2026 | Grant | 113 | $0.00 |
| Courkamp Julie AOfficer — CHIEF OPERATING OFFICER | Jan 5, 2026 | Grant | 2,142 | $0.00 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 148,162 | 4.2 | +3.2% |
| Apr 30, 2026 | 143,593 | 5.4 | -4.8% |
| Apr 15, 2026 | 150,914 | 6.4 | -11.3% |
| Mar 31, 2026 | 170,103 | 6.0 | +21.1% |
| Mar 13, 2026 | 140,451 | 4.9 | +16.6% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Other material eventMay 4, 2026
- Regulation FD disclosureMay 1, 2026
- Results of operations · Regulation FD disclosureApr 23, 2026
- Regulation FD disclosureFeb 24, 2026
- Results of operations · Regulation FD disclosureJan 22, 2026
- Regulation FD disclosureNov 4, 2025
- Results of operations · Regulation FD disclosureOct 23, 2025
- Regulation FD disclosureJul 25, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (1)
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