First Western Financial, Inc.

MYFW

MYFWFirst Western Financial, Inc. US flag

NASDAQ

32.70

USD

-0.36

- -

318.14MMarket Cap

Income Statement (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Sales/Revenue/Turnover	54	55	57	64	96	96	110	91	89	99
+ Sales & Services Revenue	54	55	57	64	96	96	110	91	89	99
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	33	34	35	38	38	44	53	49	49	50
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-33	-34	-35	-38	-38	-44	-53	-49	-49	-50
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-4	-5	-7	-10	-33	-27	-29	-7	-12	-17
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-4	-5	-7	-10	-33	-27	-29	-7	-12	-17
Pretax Income	4	5	7	10	33	27	29	7	12	17
- Income Tax Expense (Benefit)	1	3	2	2	9	7	7	2	3	4
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	2	2	6	8	25	21	22	5	8	13
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	2	2	6	8	25	21	22	5	8	13
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	2	2	6	8	25	21	22	5	8	13
- Preferred Dividends	3	2	1	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	-1	- -	4	8	25	21	22	5	8	13
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	2	2	2	2	1	1	2	2	3	3
EBITDA Margin (%)	4.46	4.48	3.89	2.61	1.17	1.31	1.83	2.61	2.87	2.65
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	4.23	3.7	9.89	12.53	25.6	21.55	19.68	5.75	9.47	13.26
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.37	0.3	0.21	- -	- -	- -	- -	- -	- -	- -
Depreciation Expense	2	2	2	2	1	1	2	2	3	3
Basic Weighted Avg Shares	8	8	7	8	8	8	9	10	10	10
Basic EPS, GAAP	-0.07	-0.03	0.64	1.02	3.11	2.58	2.29	0.55	0.88	1.36
Basic EPS from Cont Ops	0.3	0.26	0.84	1.02	3.11	2.58	2.29	0.55	0.88	1.36
Diluted Weighted Avg Shares	8	8	7	8	8	8	10	10	10	10
Diluted EPS, GAAP	-0.07	-0.04	0.63	1.01	3.08	2.5	2.23	0.54	0.87	1.36
Diluted EPS from Cont Ops	0.31	0.27	0.84	1.01	3.08	2.5	2.23	0.54	0.87	1.36

Balance Sheet (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	160	63	117	138	193	441	197	254	238	246
+ Cash & Cash Equivalents	63	10	73	79	156	385	197	254	238	200
+ ST Investments	98	54	44	59	37	56	- -	- -	- -	46
+ Accounts & Notes Receiv	18	20	9	9	13	14	17	21	21	18
+ Accounts Receivable, Net	8	8	7	8	11	12	15	17	15	16
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	10	12	1	1	1	2	2	4	6	2
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-178	-83	-126	-147	-206	-455	-214	-275	-259	-264
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	8	7	6	5	5	24	25	25	24	26
+ Property, Plant & Equip	17	16	17	15	15	35	36	38	39	42
- Accumulated Depreciation	9	9	11	10	10	11	11	13	15	17
+ LT Investments & Receivables	99	55	46	59	39	58	88	81	82	147
+ LT Investments	99	55	46	59	39	58	88	81	82	147
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-107	-62	-52	-65	-45	-82	-113	-107	-106	-173
+ Total Intangible Assets	26	26	25	20	24	32	32	32	32	31
+ Goodwill	25	25	25	20	24	31	30	30	30	30
+ Other Intangible Assets	1	1	- -	- -	- -	1	2	1	1	1
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-134	-88	-77	-84	-69	-114	-145	-138	-137	-204
Total Assets	916	970	1,084	1,252	1,974	2,527	2,867	2,975	2,919	3,155
+ Payables & Accruals	- -	- -	- -	- -	- -	- -	1	4	2	1
+ Accounts Payable	- -	- -	- -	- -	- -	- -	1	4	2	1
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	- -	- -	- -	- -	- -	- -	-1	-4	-2	-1
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	- -	- -	- -	- -	- -	-1	-4	-2	-1
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	58	42	22	17	174	78	199	178	110	108
+ LT Borrowings	58	42	22	17	174	78	199	178	110	108
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-58	-42	-22	-17	-174	-78	-199	-178	-110	-108
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-58	-42	-22	-17	-174	-78	-199	-178	-110	-108
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	820	868	967	1,124	1,819	2,308	2,626	2,733	2,667	2,889
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	124	130	141	143	145	189	190	193	194	194
+ Common Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	124	130	141	143	145	189	190	193	194	194
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	-27	-27	-23	-15	10	30	52	51	60	73
+ Other Equity	-1	-1	-1	- -	1	- -	-2	-1	-1	-1
Equity Before Minority Interest	96	102	117	128	155	219	241	243	252	266
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	96	102	117	128	155	219	241	243	252	266
Total Liabilities & Equity	916	970	1,084	1,252	1,974	2,527	2,867	2,975	2,919	3,155
Shares Outstanding	8	8	8	8	8	9	9	10	10	10
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	-5	32	-52	-62	18	-308	3	-76	-128	-93
Net Debt to Equity	-5.26	31.91	-44.32	-48.62	11.53	-140.54	1.04	-31.47	-50.86	-34.9
Tangible Common Equity Ratio	7.83	8.03	8.65	8.76	6.7	7.5	7.36	7.16	7.64	7.5
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

+ Net Income	2	2	6	8	25	21	22	5	8	13
+ Depreciation & Amortization	2	2	2	2	1	1	2	2	3	3
+ Non-Cash Items	15	-10	11	-32	-116	138	29	18	-11	-10
+ Stock-Based Compensation	1	1	2	2	3	3	3	2	1	2
+ Deferred Income Taxes	1	3	2	-1	-1	-1	1	2	3	-1
+ Asset Impairment Charge	- -	- -	- -	2	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	13	-14	8	-35	-117	136	26	14	-15	-11
+ Chg in Non-Cash Work Cap	-1	- -	-2	1	-3	2	-5	-3	- -	-8
+ (Inc) Dec in Accts Receiv	-1	-2	- -	-1	-4	- -	-3	-5	1	2
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	2	-2	2	1	2	-2	2	-1	-9
+ Inc (Dec) in Other	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	19	-5	18	-22	-93	163	48	22	1	-2
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-2	- -	-1	- -	-1	-2	-3	-2	-1	-4
+ Acq of Fixed Prod Assets	-2	- -	-1	- -	-1	-2	-3	-2	-1	-4
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	3	5	34	-1	- -	- -	- -	- -	- -	-1
+ Increase in Capital Stock	3	5	34	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	-1	- -	- -	- -	- -	- -	-1
+ Net Change in LT Investment	-34	38	12	-12	21	-3	-32	7	- -	-67
+ Dec in LT Investment	29	78	19	20	29	17	22	49	17	23
+ Inc in LT Investment	-63	-40	-7	-32	-8	-20	-54	-42	-17	-90
+ Net Cash From Acq & Div	- -	-1	- -	- -	-61	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	-1	- -	- -	-61	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-60	-139	-74	-104	-414	-38	-524	-71	68	-194
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-96	-102	-63	-116	-456	-43	-559	-66	66	-264
+ Dividends Paid	-3	-2	-1	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Debt	16	-11	-20	-5	157	-96	121	-21	-69	-2
+ Cash From Debt	209	340	284	67	257	98	697	1,844	250	187
+ Repayments of Debt	-192	-350	-305	-72	-100	-195	-576	-1,865	-319	-189
+ Other Financing Activities	44	62	96	149	470	208	199	124	-16	232
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	60	54	109	143	627	112	320	102	-84	229
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-17	-53	64	5	77	231	-190	58	-17	-38
EBITDA	2	2	2	2	1	1	2	2	3	3
EBITDA Margin (%)	4.46	4.48	3.89	2.61	1.17	1.31	1.83	2.61	2.87	2.65
Free Cash Flow	17	-6	17	-22	-95	160	45	20	-1	-6
Net Cash Paid for Acquisitions	- -	1	- -	- -	61	- -	- -	- -	- -	- -
Free Cash Flow to Firm	17	-6	17	-22	-95	160	45	20	-1	-6
Free Cash Flow to Equity	- -	-19	-5	-27	63	64	167	-2	-69	-8
Free Cash Flow per Basic Share	2.23	-0.76	2.55	-2.78	-11.97	20.1	4.79	2.05	-0.06	-0.59
Price/Free Cash Flow	- -	- -	4.27	-6.18	-1.69	1.52	5.34	7.96	105.01	120.1
Cash Flow to Net Income	8.3	-2.68	3.15	-2.69	-3.8	7.89	2.22	4.19	0.07	-0.14
Capital Expenditures	-2	- -	-1	- -	-1	-2	-3	-2	-1	-4