First Western Financial, Inc. Financial Ratios — MYFW Stock

Profitability (USD)

	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

Return on Common Equity (%)	- -	-0.27	3.9	6.55	17.36	11.02	9.44	2.16	3.42	5.09
Return on Assets (%)	- -	0.21	0.55	0.69	1.52	0.92	0.8	0.18	0.29	0.43
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	4.46	4.48	3.89	2.61	1.17	1.31	1.83	2.61	2.87	2.65
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	6.57	9.16	13	15.95	34.5	28.53	26.15	7.77	12.95	17.17
Profit Margin (%)	4.23	3.7	9.89	12.53	25.6	21.55	19.68	5.75	9.47	13.26
Net Income to Common Margin (%)	-0.99	-0.49	7.48	12.53	25.6	21.55	19.68	5.75	9.47	13.26
Effective Tax Rate (%)	35.54	59.6	23.92	21.42	25.8	24.45	24.73	26	26.82	22.76
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	-0.27	3.9	6.55	17.36	11.02	9.44	2.16	3.42	5.09

Credit (USD)

Credit Ratios 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 Debt	58	42	22	17	174	78	199	178	110	108
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	58	42	22	17	174	78	199	178	110	108
Total Debt/EBITDA	23.79	17.16	9.7	9.91	155.64	61.83	98.92	74.91	42.73	40.82
Net Debt/EBITDA	-2.08	13.28	-23.31	-37.15	15.99	-245.09	1.25	-32.14	-50.03	-35.15
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.47	10.5	10.78	10.2	7.85	8.67	8.4	8.16	8.64	8.42
Long-Term Debt/Equity (%)	60.08	41.24	18.45	12.97	112.19	35.45	82.63	73.35	43.44	40.52
Long-Term Debt/Capital (%)	37.53	29.2	15.57	11.48	52.87	26.17	45.24	42.31	30.28	28.84
Long-Term Debt/Total Assets (%)	6.29	4.33	1.99	1.32	8.81	3.07	6.94	5.98	3.75	3.41
Total Debt/Equity (%)	60.08	41.24	18.45	12.97	112.19	35.45	82.63	73.35	43.44	40.52
Total Debt/Capital (%)	37.53	29.2	15.57	11.48	52.87	26.17	45.24	42.31	30.28	28.84
Total Debt/Total Assets (%)	6.29	4.33	1.99	1.32	8.81	3.07	6.94	5.98	3.75	3.41
Net Debt to Equity	-5.26	31.91	-44.32	-48.62	11.53	-140.54	1.04	-31.47	-50.86	-34.9
Net Debt/Capital (%)	-5.56	24.19	-79.59	-94.63	10.34	346.69	1.03	-45.92	-103.51	-53.6
EBITDA	2	2	2	2	1	1	2	2	3	3
EBITDA-CapEx	1	2	2	1	- -	-1	-1	- -	1	-1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios 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

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.47	10.5	10.78	10.2	7.85	8.67	8.4	8.16	8.64	8.42
Long-Term Debt/Equity (%)	60.08	41.24	18.45	12.97	112.19	35.45	82.63	73.35	43.44	40.52
Long-Term Debt/Capital (%)	37.53	29.2	15.57	11.48	52.87	26.17	45.24	42.31	30.28	28.84
Long-Term Debt/Total Assets (%)	6.29	4.33	1.99	1.32	8.81	3.07	6.94	5.98	3.75	3.41
Total Debt/Equity (%)	60.08	41.24	18.45	12.97	112.19	35.45	82.63	73.35	43.44	40.52
Total Debt/Capital (%)	37.53	29.2	15.57	11.48	52.87	26.17	45.24	42.31	30.28	28.84
Total Debt/Total Assets (%)	6.29	4.33	1.99	1.32	8.81	3.07	6.94	5.98	3.75	3.41
CFO/Total Liabilities	2.33	-0.63	1.84	-1.91	-5.13	7.04	1.84	0.8	0.02	-0.06
CFO/CapEx	10.48	-10.88	24.93	-51.84	-77.44	77.09	16.27	9.32	0.5	-0.45
Altman's Z-Score	0.02	0.02	0.08	0.1	0.11	0.13	0.13	0.1	0.1	0.12

Working Capital (USD)

Working Capital Ratios 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

Accounts Receivable Turnover	- -	6.99	7.44	8.18	9.69	8	7.95	5.71	5.65	6.43
Days Sales Outstanding	- -	52.19	49.07	44.61	37.65	45.62	45.91	63.91	64.58	56.74
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value 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

Market Capitalization	- -	- -	93	131	156	286	267	190	189	261
- Cash & Cash Equivalents	63	10	73	79	156	385	197	254	238	200
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	58	42	22	17	174	78	199	178	110	108
Enterprise Value	-103	-21	-2	10	137	-77	270	114	61	122
Total Capital	154	144	138	144	329	297	440	421	362	373
Total Debt/Capital (%)	37.53	29.2	15.57	11.48	52.87	26.17	45.24	42.31	30.28	28.84
Total Debt / EV	-0.56	-1.99	-9.88	1.69	1.27	-1	0.74	1.57	1.81	0.88
EV/Sales	- -	- -	- -	0.15	1.43	- -	2.45	1.25	0.68	1.23
EV/EBITDA	- -	- -	- -	5.86	122.48	- -	134.1	47.79	23.65	46.46
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	5.59	5.19	100.09	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	5.26	4.69	33.35	56.41
Diluted Market Cap	- -	- -	79	130	156	250	273	193	191	261
Diluted Enterprise Value	-5	32	27	68	174	-58	276	116	63	168
EV per Share	- -	- -	- -	1.23	17.21	- -	28.41	11.86	6.27	12.59
TTM Sales	54	55	57	64	96	96	110	91	89	99
TTM EBITDA	2	2	2	2	1	1	2	2	3	3
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	19	-5	18	-22	-93	163	48	22	1	-2
TTM Free Cash Flow to Firm	21	-5	19	-21	-92	165	51	24	2	2

Multiples (USD)

Valuation Multiples 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

Price/Free Cash Flow	- -	- -	4.27	-6.18	-1.69	1.52	5.34	7.96	105.01	120.1
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-103	-21	-2	10	137	-77	270	114	61	122
Low Price	- -	- -	10.91	11.62	10.75	17.3	24.07	12.85	12.84	17.1
EV/Sales	- -	- -	- -	0.15	1.43	- -	2.45	1.25	0.68	1.23
EV/EBITDA	- -	- -	- -	5.86	122.48	- -	134.1	47.79	23.65	46.46
Price/Earnings	- -	- -	18.41	16.22	6.3	11.76	12.27	36.21	22.26	19.77
Price/Earnings Average	- -	- -	24.21	14.19	4.81	10.12	12.94	36.01	20.2	16.06
Price/Earnings High	- -	- -	32.94	17.34	6.44	12.39	14.91	51.69	25.42	20.65
Price/Earnings Low	- -	- -	17.16	11.44	3.46	6.7	10.5	23.46	14.62	12.61
Price/Book Value	- -	- -	0.8	1.02	1	1.31	1.11	0.78	0.75	0.98
Price/Book Value Average	- -	- -	1.05	0.9	0.77	1.12	1.17	0.78	0.68	0.8
Price/Book Value High	- -	- -	1.43	1.1	1.03	1.38	1.35	1.12	0.86	1.03
Price/Book Value Low	- -	- -	0.74	0.72	0.55	0.74	0.95	0.51	0.49	0.63
Price/Tangible Book Value	- -	- -	1.02	1.21	1.19	1.53	1.28	0.9	0.86	1.11
Price/Tangible Book Value Average	- -	- -	1.34	1.06	0.91	1.32	1.35	0.9	0.78	0.9
Price/Tangible Book Value High	- -	- -	1.82	1.3	1.22	1.61	1.56	1.29	0.98	1.16
Price/Tangible Book Value Low	- -	- -	0.95	0.85	0.65	0.87	1.09	0.58	0.56	0.71
Price/Sales	- -	- -	1.38	2.03	1.61	2.53	2.42	2.08	2.11	2.62
Price/Sales Average	- -	- -	1.81	1.78	1.23	2.18	2.55	2.07	1.91	2.13
Price/Sales High	- -	- -	2.46	2.17	1.65	2.67	2.94	2.97	2.41	2.74
Price/Sales Low	- -	- -	1.28	1.43	0.89	1.44	2.07	1.35	1.39	1.67
Price/Cash Flow	- -	- -	4.42	-6.04	-1.66	1.49	5.52	8.65	311.3	-144.94
Price/Cash Flow Average	- -	- -	5.81	-5.28	-1.26	1.28	5.82	8.6	282.41	-117.7
Price/Cash Flow High	- -	- -	7.9	-6.46	-1.69	1.57	6.7	12.34	355.4	-151.37
Price/Cash Flow Low	- -	- -	4.11	-4.26	-0.91	0.85	4.72	5.6	204.45	-92.45
Price/Free Cash Flow Average	- -	- -	5.62	-5.4	-1.29	1.31	5.63	7.92	95.27	97.53
Price/Free Cash Flow High	- -	- -	7.64	-6.6	-1.73	1.6	6.48	11.36	119.89	125.44
Price/Free Cash Flow Low	- -	- -	3.98	-4.36	-0.93	0.87	4.56	5.16	68.97	76.61
EV/Sales Average	- -	0.59	1.24	0.82	1.43	- -	2.58	1.24	0.48	1.2
EV/Sales High	- -	0.59	2.02	1.22	1.85	- -	2.97	2.14	0.98	1.81
EV/Sales Low	- -	0.59	0.62	0.47	1.08	- -	2.1	0.51	- -	0.74
EV/EBITDA Average	-2.08	13.28	31.9	31.3	122.29	-49.08	141.31	47.36	16.81	45.17
EV/EBITDA High	-2.08	13.28	51.82	46.53	158.37	-5.11	162.65	81.97	34.09	68.15
EV/EBITDA Low	-2.08	13.28	15.81	18.07	92.52	-115.33	114.84	19.66	-1.64	27.94
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	11.71	16.47	19.57	30.36	28.15	19.83	19.55	26.81
High Price	- -	- -	20.95	17.61	20	32	34.2	28.31	22.32	28
Enterprise Value Average	-5	32	71	52	137	-62	284	113	43	119
Enterprise Value High	-5	32	115	78	177	-6	327	195	87	180
Enterprise Value Low	-5	32	35	30	103	-145	231	47	-4	74

Shares Outstanding	8	8	8	8	8	9	9	10	10	10
Diluted Weighted Avg Shares	8	8	7	8	8	8	10	10	10	10
Basic Weighted Avg Shares	8	8	7	8	8	8	9	10	10	10
Revenue per Share	7	7.04	8.5	8.1	12.13	11.98	11.65	9.53	9.27	10.22
EBITDA per Share	0.31	0.32	0.33	0.21	0.14	0.16	0.21	0.25	0.27	0.27
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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 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
Dividend per Share	0.37	0.3	0.21	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	2.46	-0.7	2.65	-2.73	-11.81	20.36	5.1	2.29	0.06	-0.18
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
Cash & Equivalents per Share	21.26	8.37	14.69	17.32	24.23	46.82	20.7	26.56	24.61	25.28
Book Value per Share	12.72	13.5	14.67	16.08	19.49	23.25	25.37	25.33	26.1	27.3
Tangible Book Value per Share	9.24	10.05	11.5	13.6	16.44	19.87	21.99	22.01	22.83	24.07

First Western Financial, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)