First Western Financial (DB:33Q) - Stock Price, News & Analysis

33Q Stock Overview

A financial holding company, provides wealth advisory, private baking, personal trust, investment management, mortgage lending, and institutional asset management services.

About the company

33Q fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	4/6
Past Performance	1/6
Financial Health	5/6
Dividends	0/6

Rewards

Trading at 47.1% below our estimate of its fair value

Earnings are forecast to grow 83.91% per year

Risk Analysis

Profit margins (4.4%) are lower than last year (16.9%)

Volatile share price over the past 3 months compared to the German market

Significant insider selling over the past 3 months

First Western Financial, Inc. Competitors

SpareBank 1 Sørøst-Norge

DB:EZ4

€813.4m

Merkur PrivatBank KgaA

XTRA:MBK

€112.8m

ProCredit Holding

XTRA:PCZ

€512.4m

C&F Financial

NasdaqGS:CFFI

US$194.3m

Price History & Performance

Summary of all time highs, changes and price drops for First Western Financial
Historical stock prices
Current Share Price	US$18.90
52 Week High	US$18.90
52 Week Low	US$11.90
Beta	0.61
11 Month Change	8.00%
3 Month Change	19.62%
1 Year Change	15.95%
33 Year Change	-22.54%
5 Year Change	n/a
Change since IPO	59.68%

Recent updates

Shareholder Returns

	33Q	DE Banks	DE Market
7D	9.2%	1.2%	0.8%
1Y	16.0%	22.0%	14.0%

Return vs Industry: 33Q underperformed the German Banks industry which returned 19.9% over the past year.

Return vs Market: 33Q exceeded the German Market which returned 11.8% over the past year.

Price Volatility

Is 33Q's price volatile compared to industry and market?
33Q volatility
33Q Average Weekly Movement	7.0%
Banks Industry Average Movement	3.0%
Market Average Movement	4.9%
10% most volatile stocks in DE Market	10.7%
10% least volatile stocks in DE Market	2.4%

Stable Share Price: 33Q's share price has been volatile over the past 3 months compared to the German market.

Volatility Over Time: 33Q's weekly volatility (7%) has been stable over the past year, but is still higher than 75% of German stocks.

About the Company

Founded	Employees	CEO	Website
2002	310	Scott Wylie	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.

First Western Financial, Inc. Fundamentals Summary

How do First Western Financial's earnings and revenue compare to its market cap?
33Q fundamental statistics
Market cap	€182.88m
Earnings (TTM)	€3.19m
Revenue (TTM)	€73.29m

58.8x

P/E Ratio

0.8x

P/B Ratio

Is 33Q overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
33Q income statement (TTM)
Revenue	US$80.15m
Cost of Revenue	US$0
Gross Profit	US$80.15m
Other Expenses	US$76.66m
Earnings	US$3.49m

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

Oct 24, 2024

Earnings per share (EPS)	0.36
Gross Margin	100.00%
Net Profit Margin	4.35%
Debt/Equity Ratio	99.2%

How did 33Q perform over the long term?

See historical performance and comparison

33Q Stock Overview

Rewards

Risk Analysis

First Western Financial, Inc. Competitors

DB:EZ4

€813.4m

XTRA:MBK

€112.8m

XTRA:PCZ

€512.4m

NasdaqGS:CFFI

US$194.3m

Price History & Performance

Recent News & Updates

First Western Financial, Inc. to Report Q3, 2024 Results on Oct 24, 2024

Founder recently sold €157k worth of stock

New minor risk - Share price stability

Second quarter 2024 earnings released: EPS: US$0.11 (vs US$0.16 in 2Q 2023)

Investor sentiment improves as stock rises 16%

First Western Financial, Inc. to Report Q2, 2024 Results on Jul 23, 2024

Recent updates

First Western Financial, Inc. to Report Q3, 2024 Results on Oct 24, 2024

Founder recently sold €157k worth of stock

New minor risk - Share price stability

Second quarter 2024 earnings released: EPS: US$0.11 (vs US$0.16 in 2Q 2023)

Investor sentiment improves as stock rises 16%

First Western Financial, Inc. to Report Q2, 2024 Results on Jul 23, 2024

First Western Financial, Inc. Announces Board Changes

First quarter 2024 earnings released: EPS: US$0.26 (vs US$0.40 in 1Q 2023)

First Western Financial, Inc., Annual General Meeting, Jun 05, 2024

Investor sentiment improves as stock rises 21%

First quarter 2024 earnings released: EPS: US$0.26 (vs US$0.40 in 1Q 2023)

First Western Financial, Inc. to Report Q1, 2024 Results on Apr 18, 2024

Full year 2023 earnings released: EPS: US$0.55 (vs US$2.29 in FY 2022)

Insufficient new directors

Chairman recently sold €641k worth of stock

First Western Financial, Inc. Reports Net Charge-Offs for the Fourth Quarter Ended December 31, 2023

First Western Financial, Inc. to Report Q4, 2023 Results on Jan 25, 2024

Investor sentiment improves as stock rises 20%

Investor sentiment deteriorates as stock falls 21%

Third quarter 2023 earnings released: EPS: US$0.33 (vs US$0.66 in 3Q 2022)

First Western Financial, Inc. Reports Net Charge-Offs for the Three Months Ended September 30, 2023

New minor risk - Share price stability

First Western Financial, Inc. to Report Q3, 2023 Results on Oct 19, 2023

First Western Financial, Inc. Promotes David Weber to Treasurer, Effective October 1, 2023

First Western Financial, Inc. Announces Executive Promotions

Second quarter 2023 earnings released: EPS: US$0.16 (vs US$0.47 in 2Q 2022)

First Western Financial, Inc. to Report Q2, 2023 Results on Jul 27, 2023

Investor sentiment improves as stock rises 17%

Investor sentiment deteriorates as stock falls 16%

Full year 2022 earnings released: EPS: US$2.29 (vs US$2.58 in FY 2021)

Investor sentiment deteriorates as stock falls 16%

First Western Financial, Inc. to Report Q4, 2022 Results on Jan 26, 2023

Independent Director recently sold €89k worth of stock

First Western Financial, Inc. announced that it has received $20 million in funding

Chairman recently sold €78k worth of stock

Third quarter 2022 earnings released: EPS: US$0.66 (vs US$0.80 in 3Q 2021)

First Western Financial, Inc. to Report Q3, 2022 Results on Oct 20, 2022

Chairman recently sold €87k worth of stock

Chairman recently sold €204k worth of stock

Second quarter 2022 earnings released: EPS: US$0.47 (vs US$0.79 in 2Q 2021)

First Western Financial, Inc. to Report Q2, 2022 Results on Jul 28, 2022

Independent Director recently sold €107k worth of stock

Independent Director recently sold €107k worth of stock

First quarter 2022 earnings released: EPS: US$0.59 (vs US$0.76 in 1Q 2021)

First Western Financial, Inc. to Report Q1, 2022 Results on Apr 28, 2022

Full year 2021 earnings: EPS in line with expectations, revenues disappoint

Director recently bought €88k worth of stock

First Western Financial, Inc. Appoints Julie A. Courkamp as Chief Operating Officer

First Western Financial, Inc. Reports Unaudited Consolidated Net Charge-Offs for the Fourth Quarter Ended December 31, 2021

First Western Financial, Inc. (NasdaqGS:MYFW) acquired Teton Financial Services, Inc. for $52.1 million.

Third quarter 2021 earnings released: EPS US$0.80 (vs US$1.22 in 3Q 2020)

Insider recently bought €85k worth of stock

First Western Financial, Inc. announced that it has received $15 million in funding

Chairman recently sold €561k worth of stock

Second quarter 2021 earnings released: EPS US$0.79 (vs US$1.10 in 2Q 2020)

First Western Financial, Inc. (NasdaqGS:MYFW) entered into an Agreement and Plan of Merger to acquire Teton Financial Services, Inc. for $47.8 million.

First Western Financial, Inc.(NasdaqGS:MYFW) dropped from Russell 3000E Value Index

First quarter 2021 earnings released: EPS US$0.76 (vs US$0.17 in 1Q 2020)

First quarter 2021 earnings released: EPS US$0.76 (vs US$0.17 in 1Q 2020)