First Western Financial, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from First Western Financial, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 2/3Sales grew in 1 of the last 3 years; profit grew in 2 of 3.
Less steady than 71% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales fell 10%
Sales fell 10% in 3 years, so extra profit per extra sales cannot be measured.
Asset Productivity Ratio
-10% / +10%In 3 years sales changed by -10% while total assets changed by +10%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
99%Of every $100 the company owns, $99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 69% of Financial Services companies in United States.
Tangible Net Worth Ratio
88%Of every $100 of net worth, $88 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 60% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
First Western Financial, Inc. owes $0.91 for every $1 it owns. Net profit rose 56% in the year to Dec 2025, and shrank 15% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
16.2Investors pay $16.2 for every $1 of First Western Financial, Inc.'s yearly profit, higher than 68% of Financial Services companies in United States.
P/B ratio
1.05The share price is 1.05 times First Western Financial, Inc.'s book value per share, lower than 68% of Financial Services companies in United States.
Market cap
$294 MThe total market value of all of First Western Financial, Inc.'s shares at today's price (share price × number of shares), smaller than 73% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$281 MWhat First Western Financial, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$28.73Net worth divided by the number of shares. The share price of $30.14 is 1.0 times this, which is the P/B above.
Return on equity (ROE)
6.8%First Western Financial, Inc. earned 6.8% on its shareholders' money over the last year, lower than 70% of Financial Services companies in United States.
Owes vs Owns
0.91×First Western Financial, Inc. owes $0.91 for every $1 it owns (high), higher than 88% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
NoneFirst Western Financial, Inc. does not currently pay a dividend.
Revenue growth
+11%Revenue rose 11% in the year to Dec 2025, and shrank 3% a year on average over 3 years.
Profit growth
+56%Net profit rose 56% in the year to Dec 2025, and shrank 15% a year on average over 3 years.
Profit margin
13.3%First Western Financial, Inc. keeps $13 of every $100 of revenue as net profit.
Questions
What is First Western Financial, Inc.'s P/E ratio?
Investors pay $16.2 for every $1 of First Western Financial, Inc.'s yearly profit, higher than 68% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For First Western Financial, Inc.: $294 M ÷ $281 M (30 Jun 2026) = 1.0.
What is First Western Financial, Inc.'s return on equity?
First Western Financial, Inc. earned 6.8% on its shareholders' money over the last year, lower than 70% of Financial Services companies in United States.
How much does First Western Financial, Inc. owe compared with what it owns?
First Western Financial, Inc. owes $0.91 for every $1 it owns (high), higher than 88% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does First Western Financial, Inc. pay a dividend?
No. First Western Financial, Inc. does not currently pay a dividend.
Is First Western Financial, Inc.'s revenue growing?
Revenue rose 11% in the year to Dec 2025, and shrank 3% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.