First Western Financial Inc
MYFW · State Commercial Banks · 9.7M shares · +5%/yr ↑ dilution · EDGAR filings ↗
Net buyback after stock comp: -$1M (gross $89K, SBC $1M)
Reference price $28.31 · est. market cap ~$275M — last insider sale, 2026-05-22 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
C58First Western Financial — Colorado private-bank/wealth firm with weak returns.
Strengths
- Revenue +7.6%; net income up sharply (82nd pct)
- Growing wealth/trust franchise
Risks
- ROE 5% (13th), ROA (10th) weak; negative free cash flow
- Rate and CRE sensitivity
Notable findings
- Cash burnNegative free cash flow (-5.8M)
- Customer concentration~37% of revenue from one customer/distributor — – Our largest trust client accounts for 36
- Insider sellingInsider selling — 17 open-market sale(s) by 3 insider(s) (cluster of 3 insiders, ~$950,401, last 6mo) Form 4 ↗
Quarterly revenue
Last 4 quarters · from SEC filings.
Key metrics
Net margin
13.6%
Return on equity
5.0%
Return on assets
0.4%
Revenue growth (QoQ)
9.8%
Net-income growth
55.6%
Free cash flow
-$6M
Tangible book value
$234M
Stock comp / revenue
2.2%
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-06-03 | Mitchell Scott C | Grant | 974 | — |
| 2026-06-03 | Robinson Ellen S. | Grant | 974 | — |
| 2026-06-03 | Smith Mark L | Grant | 974 | — |
| 2026-06-03 | Zimlich Joseph C. | Grant | 974 | — |
| 2026-06-03 | Duncan David R | Grant | 974 | — |
| 2026-06-03 | Caponi Julie A | Grant | 974 | — |
| 2026-06-03 | Gart Thomas A | Grant | 974 | — |
| 2026-06-03 | Hamill Patrick H | Grant | 974 | — |
| 2026-06-03 | Latimer Luke A | Grant | 974 | — |
| 2026-05-22 | Wylie Scott C | Sell | 6.4K | $28.31 |
| 2026-05-20 | Wylie Scott C | Sell | 1.1K | $28.52 |
| 2026-05-05 | Wylie Scott C | Sell | 7.5K | $28.70 |
| 2026-05-04 | Weber David R. | Tax withheld | 102 | $28.55 |
| 2026-05-04 | Courkamp Julie A | Tax withheld | 417 | $28.55 |
| 2026-05-04 | Cassell Matthew C. | Tax withheld | 36 | $28.55 |
| 2026-05-04 | Wylie Scott C | Tax withheld | 1.4K | $28.55 |
| 2026-05-01 | Cassell Matthew C. | Tax withheld | 388 | $28.55 |
| 2026-05-01 | Courkamp Julie A | Grant | 3.9K | — |
| 2026-05-01 | Courkamp Julie A | Tax withheld | 1.1K | $28.55 |
| 2026-05-01 | Weber David R. | Grant | 668 | — |
| 2026-05-01 | Weber David R. | Tax withheld | 240 | $28.55 |
| 2026-05-01 | Cassell Matthew C. | Grant | 862 | — |
| 2026-05-01 | Wylie Scott C | Grant | 7.0K | — |
| 2026-05-01 | Wylie Scott C | Tax withheld | 1.9K | $28.55 |
| 2026-02-04 | Mitchell Scott C | Sell | 915 | $26.00 |
| 2026-02-03 | Duncan David R | Sell | 3.6K | $25.61 |
| 2026-02-03 | Duncan David R | Sell | 3.0K | $25.55 |
| 2026-02-03 | Duncan David R | Sell | 2.0K | $25.50 |
| 2026-01-28 | Duncan David R | Sell | 1.7K | $24.95 |
| 2026-01-28 | Duncan David R | Sell | 2.0K | $24.95 |
| 2026-01-27 | Duncan David R | Sell | 1.4K | $24.99 |
| 2026-01-27 | Duncan David R | Sell | 3.0K | $25.17 |
| 2026-01-26 | Mitchell Scott C | Sell | 2.0K | $23.56 |
| 2026-01-26 | Mitchell Scott C | Sell | 100 | $24.69 |
| 2026-01-26 | Mitchell Scott C | Sell | 582 | $24.49 |
| 2026-01-26 | Mitchell Scott C | Sell | 224 | $24.80 |
| 2026-01-26 | Mitchell Scott C | Sell | 100 | $24.78 |
| 2026-01-26 | Mitchell Scott C | Sell | 159 | $24.83 |
| 2026-01-05 | Weber David R. | Grant | 113 | — |
| 2026-01-05 | Weber David R. | Tax withheld | 38 | $26.65 |
| 2026-01-05 | Courkamp Julie A | Grant | 2.1K | — |
| 2026-01-05 | Courkamp Julie A | Tax withheld | 729 | $26.65 |
| 2026-01-05 | Wylie Scott C | Grant | 7.8K | — |
| 2026-01-05 | Wylie Scott C | Tax withheld | 2.6K | $26.65 |
| 2025-12-16 | Latimer Luke A | Option exercise | 1.7K | $25.00 |
| 2025-12-16 | Latimer Luke A | Sell | 1.6K | $25.78 |
| 2025-12-12 | Wylie Scott C | Option exercise | 16K | $25.00 |
| 2025-12-12 | Wylie Scott C | Sell | 16K | $25.72 |
| 2025-12-11 | Smith Mark L | Option exercise | 1.7K | $25.00 |
| 2025-12-11 | Smith Mark L | Sell | 1.6K | $25.79 |
| 2025-12-10 | Courkamp Julie A | Sell | 2.9K | $25.82 |
| 2025-12-10 | Courkamp Julie A | Option exercise | 3.0K | $25.00 |
| 2025-11-25 | Wylie Scott C | Sell | 5.0K | $23.55 |
| 2025-11-18 | Wylie Scott C | Tax withheld | 1.9K | $22.99 |
| 2025-11-18 | Wylie Scott C | Grant | 6.5K | — |
| 2025-11-18 | Courkamp Julie A | Grant | 4.1K | — |
| 2025-11-18 | Courkamp Julie A | Tax withheld | 411 | $22.99 |
| 2025-11-18 | Courkamp Julie A | Tax withheld | 1.2K | $22.99 |
| 2025-11-18 | Wylie Scott C | Tax withheld | 658 | $22.99 |
| 2025-09-11 | Wylie Scott C | Sell | 5.0K | $23.59 |
| 2025-08-08 | Ensmann Eric E. | Tax withheld | 342 | $20.61 |
| 2025-08-04 | Cassell Matthew C. | Tax withheld | 1.0K | $21.08 |
| 2025-06-09 | Wylie Scott C | Sell | 3.0K | $21.00 |
| 2025-06-06 | Wylie Scott C | Sell | 2.0K | $21.00 |
| 2025-06-04 | Mitchell Scott C | Grant | 1.2K | — |
| 2025-06-04 | Zimlich Joseph C. | Grant | 1.2K | — |
| 2025-06-04 | Latimer Luke A | Grant | 1.2K | — |
| 2025-06-04 | Robinson Ellen S. | Grant | 1.2K | — |
| 2025-06-04 | Smith Mark L | Grant | 1.2K | — |
| 2025-06-04 | Gart Thomas A | Grant | 1.2K | — |
| 2025-06-04 | Duncan David R | Grant | 1.2K | — |
| 2025-06-04 | Caponi Julie A | Grant | 1.2K | — |
| 2025-06-04 | Hamill Patrick H | Grant | 1.2K | — |
| 2025-05-09 | Wylie Scott C | Sell | 5.0K | $21.53 |
| 2025-05-02 | Weber David R. | Tax withheld | 101 | $21.75 |
| 2025-05-02 | Wylie Scott C | Tax withheld | 1.4K | $21.75 |
| 2025-05-02 | Courkamp Julie A | Tax withheld | 417 | $21.75 |
| 2025-05-02 | Cassell Matthew C. | Tax withheld | 30 | $21.75 |
| 2025-05-01 | Weber David R. | Grant | 1.8K | — |
| 2025-05-01 | Weber David R. | Tax withheld | 148 | $20.89 |
| 2025-05-01 | Courkamp Julie A | Tax withheld | 1.1K | $20.89 |
| 2025-05-01 | Ensmann Eric E. | Grant | 1.1K | — |
| 2025-05-01 | Courkamp Julie A | Grant | 5.4K | — |
| 2025-05-01 | Wylie Scott C | Grant | 9.6K | — |
| 2025-05-01 | Wylie Scott C | Tax withheld | 2.5K | $20.89 |
| 2025-05-01 | Cassell Matthew C. | Grant | 1.8K | — |
| 2025-05-01 | Cassell Matthew C. | Tax withheld | 233 | $20.89 |
| 2025-01-02 | Weber David R. | Grant | 333 | — |
| 2025-01-02 | Weber David R. | Tax withheld | 113 | $19.55 |
| 2025-01-02 | Courkamp Julie A | Grant | 7.5K | — |
| 2025-01-02 | Courkamp Julie A | Tax withheld | 2.6K | $19.55 |
| 2025-01-02 | Wylie Scott C | Grant | 30K | — |
| 2025-01-02 | Wylie Scott C | Tax withheld | 9.1K | $19.55 |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-06-05 | 2026-06-03 | 0001628280-26-041206 ↗ |
| 8-K | 2026-06-02 | 2026-06-02 | 0001628280-26-039811 ↗ |
| 8-K | 2026-05-04 | 2026-05-04 | 0001628280-26-029814 ↗ |
| 8-K | 2026-05-01 | 2026-05-01 | 0001628280-26-029347 ↗ |
| 10-Q | 2026-05-01 | 2026-03-31 | 0001628280-26-029340 ↗ |
| 8-K | 2026-04-23 | 2026-04-23 | 0001628280-26-026845 ↗ |
| 10-K | 2026-02-27 | 2025-12-31 | 0001628280-26-012825 ↗ |
| 8-K | 2026-02-24 | 2026-02-24 | 0001628280-26-011131 ↗ |
| 8-K | 2026-01-22 | 2026-01-22 | 0001628280-26-003081 ↗ |
| 8-K | 2025-11-04 | 2025-11-04 | 0001628280-25-048853 ↗ |
| 10-Q | 2025-10-31 | 2025-09-30 | 0001628280-25-047822 ↗ |
| 8-K | 2025-10-23 | 2025-10-23 | 0001628280-25-046091 ↗ |