First Western Financial, Inc., a financial holding company, through its subsidiaries, provides private banking, personal trust, investment management, mortgage loans, and institutional asset management services.
The last earnings update was 73 days ago.
Discounted Cash Flow Calculation for NasdaqGS:MYFW using Excess Returns Model Model
The calculations below outline how an intrinsic value for First Western Financial is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.
In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.
The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.
The current share price of
First Western Financial
is above its future cash flow value.
Often investors are willing to pay a
for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.
The amount the stock market is willing to pay for
First Western Financial's
is considered below, and whether this is a fair price.
Price based on past earnings
First Western Financial's earnings available for a low price, and how does
this compare to other companies in the same industry?
First Western Financial's earnings are expected to grow significantly at over 20% yearly.
First Western Financial's revenue is expected to grow by 11.5% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can
be gauged below. We look back 3 years and see if they were any good at
predicting what actually occurred. We also show the highest and lowest estimates
looking forward to see if there is a wide range.
First Western Financial's performance over the past 5 years by checking for:
Has earnings increased in past 5 years? (1 check)
Has the earnings growth in the last year exceeded that of the
industry? (1 check)
Is the recent earnings growth over the last year higher than the average annual growth over the
past 5 years? (1 check)
Is the Return on Equity (ROE) higher than 20%? (1 check)
Is the Return on Assets (ROA) above industry average? (1 check)
Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent
earnings report. Some checks require at least 3 or 5 years worth of data.
First Western Financial
has a total score of
1/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
Fundamentally a bank's business is based upon borrowing and lending money, for
this reason they typically have high levels of debt and we analyse them
This treemap shows a more detailed breakdown of
First Western Financial's finances. If any of them are yellow this
indicates they may be out of proportion and red means they relate to one of the
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Nearly all companies have debt. Debt in itself isn’t
however if the debt is too high, or the company can’t afford to pay the interest
on its debts this may have impacts in the future.
The graphic below shows equity (available funds) and debt, we ideally want to
see the red area (debt) decreasing.
If there is any debt we look at the companies capability to repay it, and
whether the level has increased over the past 5 years.
Management is one of the most important areas of a company. We look at
unreasonable CEO compensation, how long the team and board of directors have
been around for and insider trading.
TENURE AS CEO
Mr. Scott C. Wylie serves as Founder, Chairman, Chief Executive Officer, and President of First Western Trust Bank and First Western Financial, Inc since 2002. He served as Chairman and Chief Executive Officer of Northern Trust Bank of Colorado from 1998 to 2002, after having sold his prior institution Trust Bank of Colorado to Northern in 1998. Prior to that, he led the acquisition of Equitable Bankshares of Colorado. In 1987, he started his first Bank as a subsidiary of the First Boston Corporation. He served as Chairman of American Fundware. He was appointed as Associate with First Boston Corporation. He is Founder and Past Chairman of Young Presidents’ Organization, Colorado Chapter. He is also a Past Member of Young Presidents’ Organization, Rocky Mountain Chapter. Mr. Wylie is involved in an array of community organizations and he currently serves on the boards of the Denver Convention Center Hotel Authority, Colorado Succeeds, Roundup River Ranch and the Museum of Contemporary Art Denver. Mr. Wylie obtained a Masters of Business Administration from Harvard Graduate School of Business, a Masters of Arts in Economic Development from the School of International Service at American University. He holds Bachelor of Arts from the College of Literature, Science, and Arts at the University of Michigan.
Scott's compensation has been consistent with company performance over the past year, both up more than 20%.
Scott's remuneration is higher than average for companies of similar size in United States of America.
CFO & Treasurer
Board of Directors Tenure
Average tenure and age of the
First Western Financial
board of directors in years:
The average tenure for the First Western Financial board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Board of Directors
Lead Independent Director
Who owns this company?
Recent Insider Trading
No 3 month individual insider trading information.
Who Has Been Selling First Western Financial, Inc. (NASDAQ:MYFW) Shares?
So shareholders might well want to know whether insiders have been buying or selling shares in First Western Financial, Inc. … See our latest analysis for First Western Financial The Last 12 Months Of Insider Transactions At First Western Financial The Chairman, Scott Wylie, made the biggest insider sale in the last 12 months. … Insider Ownership of First Western Financial For a common shareholder, it is worth checking how many shares are held by company insiders.
Why First Western Financial, Inc. (NASDAQ:MYFW) May Be Riskier Than You Think
Credit risk is one of the biggest risk First Western Financial, Inc. … This is because bad debt is written off as an expense and impacts First Western Financial’s bottom line and shareholders’ value. … I will take you through some useful measures of bad debt and liabilities in order to properly analyse First Western Financial’s risk level before you invest in the stock.
What Percentage Of First Western Financial, Inc. (NASDAQ:MYFW) Shares Do Insiders Own?
The big shareholder groups in First Western Financial, Inc. … Generally speaking, as a company grows, institutions will increase their ownership. … First Western Financial is not a large company by global standards.
Should You Be Concerned About First Western Financial, Inc.’s (NASDAQ:MYFW) Risks?
As a small cap company operating in a heavily regulated financial services sector, an investment in First Western Financial, Inc. … Since bad debt is written off as an expense, it impacts First Western Financial’s bottom line and shareholders’ value. … I will take you through some useful measures of bad debt and liabilities in order to properly analyse First Western Financial’s risk level before you invest in the stock.
Three Understated Metrics For First Western Financial Inc (NASDAQ:MYFW) You Should Know
As a small-cap bank stock with a market capitalisation of US$126m, First Western Financial Inc’s (NASDAQ:MYFW) risk and profitability are largely determined by the underlying economic growth of the US regions in which it operates. … These reforms target banking regulations and intends to enhance financial institutions’ ability to absorb shocks resulting from economic stress which could expose banks like First Western Financial to vulnerabilities. … Strong management of leverage and liquidity could place the bank in a protected position at the face of macro headwinds.
How Did First Western Financial Inc's (NASDAQ:MYFW) 2.58% ROE Fare Against The Industry?
and want to begin learning the link between company’s fundamentals and stock market performance. … First Western Financial Inc’s (NASDAQ:MYFW) most recent return on equity was a substandard 2.58% relative to its industry performance of 8.83% over the past year. … Today I will look at how components such as financial leverage can influence ROE which may impact the sustainability of MYFW's returns
First Western Financial, Inc., a financial holding company, through its subsidiaries, provides private banking, personal trust, investment management, mortgage loans, and institutional asset management services. It operates through three segments: Wealth Management, Capital Management, and Mortgage. The Wealth Management segment provides deposit, loan, insurance, and trust and investment management advisory products and services. The Capital Management offers institutional investment management services; and acts as advisor of proprietary mutual funds. The Mortgage segment engages in soliciting, originating, and selling mortgage loans into the secondary market. The company serves entrepreneurs, professionals, and high-net worth individuals and their related philanthropic and business organizations through a network of boutique private trust bank offices in Colorado, Arizona, Wyoming, and California. First Western Financial, Inc. was founded in 2002 and is headquartered in Denver, Colorado.
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