MYFW First Western Financial, Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ 10-K/10-Q Jul 31, 2026
$29.98
· of 52w range
· above low
· to high
$22.1352w low
$34.3652w high
Market Cap (MRQ)
$293M
P/E (TTM)
16.2
EPS (TTM)
$1.85
Revenue (TTM)
$107M
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52W Range
$22–$34
Analyst Rating
BUY
Price Target
$33
P/E
16.2
ROE
6.8%
Net Profit Margin
17.3%
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MYFW Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$29.98
Market Cap (MRQ)
$293M
P/E (TTM)
16.2
EPS (TTM)
$1.85
Revenue (TTM)
$107M
ROE (TTM)
6.8%
52W Range
$22–$34
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue$97M2023-12-31 → 2025-12-31
EPS$1.342023-12-31 → 2025-12-31
Free Cash Flow$-6M2023-12-31 → 2025-12-31
Net margin17.3%2023-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | MYFW | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E (TTM) | 16.2 | · | 11.7 | Overvalued | |
| P/S (TTM) | 2.7 | · | 3.4 | Undervalued | |
| P/B (MRQ) | 1.0 | · | 1.2 | Fair value | |
| Price / FCF (TTM) | 12.8 | · | · | · | |
| Price / Cash Flow (TTM) | 11.0 | · | · | · | |
| Price / Tangible Book | 1.2 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | MYFW | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| EBITDA Margin | 2.7% | · | · | · | |
| Pretax Margin (TTM) | 22.4% | · | 34.1% | Weak | |
| Net Profit Margin (TTM) | 17.3% | · | 28.2% | Weak | |
| ROA (TTM) | 0.59% | · | 0.97% | Weak | |
| ROE (TTM) | 6.8% | · | 8.7% | Weak |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | MYFW | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 7.6% | · | · | · | |
| Revenue CAGR 3Y | -3.5% | · | · | · | |
| Revenue CAGR 5Y | 0.91% | · | · | · | |
| EPS YoY | 54.0% | · | · | · | |
| Net Income YoY | 55.6% | · | · | · | |
| EPS CAGR 3Y | -15.6% | · | · | · | |
| EPS CAGR 5Y | -15.3% | · | · | · | |
| Net Income CAGR 3Y | -15.3% | · | · | · | |
| Net Income CAGR 5Y | -11.7% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | MYFW | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.0 | · | 0.0 | Weak | |
| Revenue / Employee | ≈$302.9K | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
8.5%
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| Sept. 30, 2026 | Oct 15, 2026 | $0.60 | $0.61 | -2.3% |
| June 30, 2026 | Jul 22, 2026 | $0.57 | $0.57 | 0.42% |
| March 31, 2026 | $0.63 | $0.44 | 42.8% | |
| Dec. 31, 2025 | $0.34 | $0.44 | -22.7% | |
| Sept. 30, 2025 | $0.32 | $0.36 | -11.8% | |
| June 30, 2025 | $0.26 | $0.36 | -28.3% | |
| March 31, 2025 | $0.43 | $0.24 | 81.4% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $97M | $90M | $83M | $108M | $95M | $93M | $64M | $58M | $55M | |
| Interest Expense | · | $88M | $74M | $17M | $5M | $7M | $13M | $8M | $6M | |
| Interest Income | $160M | $153M | $146M | $101M | $62M | $53M | $45M | $39M | $33M | |
| Pretax Income | $17M | $12M | $7M | $29M | $27M | $33M | $10M | $7M | $5M | |
| Income Tax | $4M | $3M | $2M | $7M | $7M | $9M | $2M | $2M | $3M | |
| Net Income | $13M | $8M | $5M | $22M | $21M | $25M | $8M | $6M | $2M | |
| EPS (Basic) | $1.36 | $0.88 | $0.55 | $2.29 | $2.58 | $3.11 | $1.02 | $0.64 | $-0.05 | |
| EPS (Diluted) | $1.34 | $0.87 | $0.54 | $2.23 | $2.50 | $3.08 | $1.01 | $0.63 | $-0.05 | |
| Shares (Basic) | 9,712,488 | 9,649,433 | 9,541,050 | 9,461,349 | 7,980,491 | 7,899,278 | 7,890,266 | 6,712,754 | 5,586,620 | |
| Shares (Diluted) | 9,830,133 | 9,755,804 | 9,725,910 | 9,713,623 | 8,235,178 | 7,961,904 | 7,914,961 | 6,754,258 | 5,586,620 | |
| EBITDA | $3M | $3M | $2M | $2M | $1M | $1M | $2M | $2M | · |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | · | · | · | · | · | $156M | $79M | $73M | $10M | |
| PP&E (Net) | $26M | $24M | $25M | $25M | $24M | $5M | $5M | $6M | $7M | |
| PP&E (Gross) | $42M | $39M | $38M | $36M | $35M | $15M | $15M | $17M | $16M | |
| Accum. Depreciation | $17M | $15M | $13M | $11M | $11M | $10M | $10M | $11M | $9M | |
| Goodwill | $30M | $30M | $30M | $30M | $31M | $24M | $20M | $25M | $25M | |
| Intangibles | $1M | $1M | $1M | $2M | $1M | $67.0K | $28.0K | $402.0K | $1M | |
| Total Assets | $3.15B | $2.92B | $2.98B | $2.87B | $2.53B | $1.97B | $1.25B | $1.08B | $970M | |
| Total Liabilities | $2.89B | $2.67B | $2.73B | $2.63B | $2.31B | $1.82B | $1.12B | $967M | $868M | |
| Long-term Debt | · | $0 | · | · | · | · | · | · | · | |
| Common Stock | $0 | $0 | $0 | $0 | $0 | · | · | · | · | |
| Paid-in Capital | $194M | $194M | $193M | $190M | $189M | $145M | $143M | $141M | $130M | |
| Retained Earnings | $73M | $60M | $51M | $52M | $30M | $10M | $-15M | $-23M | $-27M | |
| AOCI | $-1M | $-778.0K | $-1M | $-2M | $223.0K | $680.0K | $-164.0K | $-1M | $-928.0K | |
| Stockholders' Equity | $266M | $252M | $243M | $241M | $219M | $155M | $128M | $117M | $102M | |
| Liabilities + Equity | $3.15B | $2.92B | $2.98B | $2.87B | $2.53B | $1.97B | $1.25B | $1.08B | $970M | |
| Shares Outstanding | 9,725,731 | 9,667,142 | 9,581,183 | 9,495,440 | 9,419,271 | 7,951,773 | 7,940,168 | 7,968,420 | 5,833,456 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $3M | $3M | $2M | $2M | $1M | $1M | $2M | $2M | $2M | |
| Stock-based Comp | $2M | $1M | $2M | $3M | $3M | $3M | $2M | $2M | $1M | |
| Deferred Tax | $-770.0K | $3M | $2M | $557.0K | $-668.0K | $-1M | $-1M | $2M | $3M | |
| Amort. of Intangibles | $206.0K | $226.0K | $250.0K | $308.0K | $17.0K | $14.0K | $374.0K | $831.0K | $784.0K | |
| Other Non-cash | $-19M | $-16M | $10M | $21M | $142M | $-120M | $-32M | $6M | · | |
| Operating Cash Flow | $-2M | $606.0K | $22M | $48M | $163M | $-93M | $-22M | $18M | $-5M | |
| CapEx | $4M | $1M | $2M | $3M | $2M | $1M | $415.0K | $714.0K | $499.0K | |
| Investing Cash Flow | $-264M | $66M | $-66M | $-559M | $-43M | $-456M | $-116M | $-63M | $-102M | |
| Stock Issued | · | · | · | · | · | · | · | $34M | $5M | |
| Stock Repurchased | $784.0K | $89.0K | $0 | · | · | $377.0K | $743.0K | $181.0K | · | |
| Net Stock Activity | $-784.0K | $-89.0K | · | · | · | $-377.0K | $-743.0K | $34M | · | |
| Financing Cash Flow | $229M | $-84M | $102M | $320M | $112M | $627M | $143M | $109M | $54M | |
| Net Change in Cash | · | $-18M | $58M | $-190M | $231M | · | · | · | · | |
| Taxes Paid | $0 | $93.0K | $3M | $5M | $6M | $12M | $2M | $439.0K | $275.0K | |
| Free Cash Flow | $-6M | $-2M | $20M | $45M | $164M | $-95M | $-22M | $17M | · | |
| Levered FCF | · | $-66M | $-36M | $32M | $160M | $-100M | $-32M | $11M | · |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 13.6% | 9.4% | 6.3% | 20.1% | 21.6% | 26.5% | 12.5% | 9.8% | · | |
| Pretax Margin | 17.6% | 12.9% | 8.5% | 26.7% | 28.6% | 35.7% | 15.9% | 12.9% | · | |
| EBITDA Margin | 2.7% | 2.9% | 2.9% | 1.9% | 1.3% | 1.2% | 2.6% | 3.9% | · | |
| ROA | 0.43% | 0.29% | 0.17% | 0.78% | 0.90% | 1.2% | 0.63% | 0.53% | · | |
| ROE | 5.0% | 3.4% | 2.1% | 9.1% | 10.5% | 16.1% | 6.3% | 4.9% | · |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | · |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $27.30 | $26.10 | $25.33 | $25.37 | $23.25 | $19.49 | $16.08 | $14.67 | · | |
| Revenue / Share | $9.86 | $9.23 | $8.50 | $11.11 | $11.59 | $11.63 | $8.08 | $8.53 | · | |
| Cash Flow / Share | $-0.18 | $-0.06 | $2.25 | $4.97 | $20.14 | $-11.72 | $-2.72 | $2.64 | · | |
| Cash / Share | · | · | · | · | · | $19.62 | $9.90 | $9.21 | · | |
| EPS (TTM) | $1.34 | $0.87 | $0.54 | $2.23 | $2.50 | $3.08 | $1.01 | $0.63 | · |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 7.6% | 8.9% | -23.4% | 13.1% | 3.0% | · | · | · | · | |
| Revenue CAGR 3Y | -3.5% | -1.9% | -3.7% | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 0.91% | · | · | · | · | · | · | · | · | |
| EPS YoY | 54.0% | 61.1% | -75.8% | -10.8% | -18.8% | · | · | · | · | |
| EPS CAGR 3Y | -15.6% | -29.7% | -44.0% | · | · | · | · | · | · | |
| EPS CAGR 5Y | -15.3% | · | · | · | · | · | · | · | · | |
| Net Income YoY | 55.6% | 62.2% | -75.9% | 5.3% | -16.0% | · | · | · | · | |
| Net Income CAGR 3Y | -15.3% | -25.6% | -40.3% | · | · | · | · | · | · | |
| Net Income CAGR 5Y | -11.7% | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $97M | $90M | $83M | $108M | $95M | $93M | $64M | $58M | · | |
| Net Income TTM | $13M | $8M | $5M | $22M | $21M | $25M | $8M | $6M | · | |
| Market Cap | $261M | $189M | $190M | $267M | $286M | $156M | $131M | $93M | · | |
| P/E | 20.0 | 22.5 | 36.7 | 12.6 | 12.1 | 6.4 | 16.3 | 18.6 | · | |
| P/S | 2.7 | 2.1 | 2.3 | 2.5 | 3.0 | 1.7 | 2.0 | 1.6 | · | |
| P/B | 1.0 | 0.7 | 0.8 | 1.1 | 1.3 | 1.0 | 1.0 | 0.8 | · | |
| P / Tangible Book | 1.1 | 0.9 | 0.9 | 1.3 | 1.5 | 1.2 | · | · | · | |
| P / Cash Flow | -144.9 | -347.4 | 8.7 | 5.5 | 1.7 | -1.7 | -6.1 | 5.2 | · | |
| P / FCF | -45.2 | -107.6 | 9.7 | 5.9 | 1.7 | -1.6 | -6.0 | 5.5 | · | |
| Earnings Yield | 5.0% | 4.5% | 2.7% | 7.9% | 8.2% | 15.7% | 6.1% | 5.4% | · |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $29M | $28M | $26M | $24M | $22M | $25M | $24M | $22M | $20M | $23M | $14M | $23M | $21M | $26M | $27M | $27M | |
| Interest Expense | · | · | · | · | · | $20M | · | $23M | $22M | $22M | $22M | $20M | $18M | $15M | $11M | $4M | |
| Interest Income | $42M | $41M | $42M | $43M | $38M | $37M | $38M | $38M | $38M | $38M | $38M | $36M | $36M | $35M | $33M | $27M | |
| Pretax Income | $7M | $8M | $4M | $4M | $3M | $5M | $4M | $3M | $1M | $4M | $-4M | $4M | $2M | $5M | $7M | $8M | |
| Income Tax | $2M | $2M | $1M | $779.0K | $814.0K | $1M | $1M | $537.0K | $339.0K | $1M | $-1M | $1M | $529.0K | $1M | $2M | $2M | |
| Net Income | $6M | $6M | $3M | $3M | $3M | $4M | $3M | $2M | $1M | $3M | $-3M | $3M | $2M | $4M | $5M | $6M | |
| EPS (Basic) | $0.59 | $0.64 | $0.34 | $0.33 | $0.26 | $0.43 | $0.29 | $0.22 | $0.11 | $0.26 | $-0.34 | $0.33 | $0.16 | $0.40 | $0.57 | $0.66 | |
| EPS (Diluted) | $0.57 | $0.63 | $0.33 | $0.32 | $0.26 | $0.43 | $0.28 | $0.22 | $0.11 | $0.26 | $-0.33 | $0.32 | $0.16 | $0.39 | $0.56 | $0.64 | |
| Shares (Basic) | 9,760,529 | 9,733,704 | · | 9,717,571 | 9,707,924 | 9,704,419 | · | 9,663,131 | 9,647,345 | 9,621,309 | · | 9,553,331 | 9,532,397 | 9,503,715 | · | 9,481,311 | |
| Shares (Diluted) | 9,949,307 | 9,900,420 | · | 9,868,742 | 9,809,321 | 9,798,591 | · | 9,766,656 | 9,750,667 | 9,710,764 | · | 9,743,270 | 9,686,401 | 9,732,674 | · | 9,673,078 | |
| EBITDA | · | $640.0K | · | · | · | $672.0K | · | · | · | $625.0K | · | · | · | $582.0K | · | · |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | $26M | $26M | $26M | $25M | $24M | $25M | $24M | $24M | $25M | $25M | $25M | $25M | $25M | $25M | $25M | $25M | |
| PP&E (Gross) | · | · | $42M | · | · | · | $39M | · | · | · | $38M | · | · | · | $36M | · | |
| Accum. Depreciation | · | · | $17M | · | · | · | $15M | · | · | · | $13M | · | · | · | $11M | · | |
| Goodwill | $30M | $30M | $30M | $30M | $30M | $30M | $30M | $30M | $30M | $30M | $30M | $30M | $30M | $30M | $30M | $30M | |
| Intangibles | · | · | $1M | · | · | · | $1M | · | · | · | $1M | · | · | · | $2M | · | |
| Total Assets | $3.24B | $3.24B | $3.15B | $3.24B | $3.03B | $2.91B | $2.92B | $2.91B | $2.94B | $2.93B | $2.98B | $3.00B | $3.01B | $2.97B | $2.87B | $2.73B | |
| Total Liabilities | $2.96B | $2.97B | $2.89B | $2.98B | $2.77B | $2.65B | $2.67B | $2.66B | $2.69B | $2.69B | $2.73B | $2.76B | $2.76B | $2.73B | $2.63B | $2.49B | |
| Common Stock | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | · | |
| Paid-in Capital | $195M | $195M | $194M | $194M | $193M | $194M | $194M | $193M | $193M | $193M | $193M | $193M | $192M | $192M | $190M | $190M | |
| Retained Earnings | $85M | $79M | $73M | $69M | $66M | $64M | $60M | $57M | $55M | $54M | $51M | $54M | $51M | $50M | $52M | $46M | |
| AOCI | $911.0K | $-238.0K | $-1M | $-2M | $-754.0K | $-811.0K | $-778.0K | $-1M | $-649.0K | $-753.0K | $-1M | $-578.0K | $-869.0K | $-2M | $-2M | $-2M | |
| Stockholders' Equity | $281M | $273M | $266M | $261M | $259M | $257M | $252M | $249M | $247M | $246M | $243M | $246M | $242M | $240M | $241M | $235M | |
| Liabilities + Equity | $3.24B | $3.24B | $3.15B | $3.24B | $3.03B | $2.91B | $2.92B | $2.91B | $2.94B | $2.93B | $2.98B | $3.00B | $3.01B | $2.97B | $2.87B | $2.73B | |
| Shares Outstanding | 9,765,129 | 9,728,968 | 9,725,731 | 9,714,711 | 9,717,922 | 9,704,320 | 9,667,142 | 9,664,101 | 9,660,548 | 9,621,309 | 9,581,183 | 9,560,209 | 9,545,071 | 9,507,564 | 9,495,440 | 9,492,006 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $653.0K | $640.0K | $626.0K | $645.0K | $693.0K | $672.0K | $656.0K | $653.0K | $631.0K | $625.0K | $629.0K | $584.0K | $582.0K | $582.0K | $288.0K | $533.0K | |
| Stock-based Comp | $721.0K | $798.0K | $553.0K | $690.0K | $508.0K | $422.0K | $337.0K | $518.0K | $422.0K | $209.0K | $399.0K | $553.0K | $299.0K | $592.0K | $497.0K | $658.0K | |
| Deferred Tax | $25.0K | $587.0K | $-944.0K | $-79.0K | $29.0K | $224.0K | $6M | $-2M | $-3M | $2M | $2M | $485.0K | $-640.0K | $310.0K | $106.0K | $3M | |
| Amort. of Intangibles | $48.0K | $48.0K | $52.0K | $51.0K | $52.0K | $51.0K | $56.0K | $57.0K | $56.0K | $57.0K | $62.0K | $62.0K | $62.0K | $64.0K | $77.0K | $77.0K | |
| Other Non-cash | · | $7M | · | · | · | $3M | · | · | · | $-7M | · | · | · | $-4M | · | · | |
| Operating Cash Flow | $12M | $15M | $-11M | $10M | $-9M | $8M | $-4M | $19M | $-11M | $-2M | $12M | $15M | $-6M | $975.0K | $12M | $25M | |
| CapEx | $931.0K | $619.0K | $1M | $1M | $575.0K | $1M | $378.0K | $289.0K | $365.0K | $181.0K | $457.0K | $465.0K | $630.0K | $795.0K | $931.0K | $886.0K | |
| Investing Cash Flow | $-92M | $-33M | $-54M | $-95M | $-147M | $33M | $-42M | $50M | $-1M | $59M | $-4M | $-33M | $-26M | $-4M | $-112M | $-214M | |
| Stock Repurchased | $0 | $146.0K | $0 | $301.0K | $481.0K | $2.0K | $0 | $89.0K | $0 | $0 | $0 | · | · | · | · | · | |
| Net Stock Activity | · | $-146.0K | · | · | · | $-2.0K | · | · | · | · | · | · | · | · | · | · | |
| Financing Cash Flow | $-10M | $82M | $-90M | $207M | $117M | $-5M | $6M | $-37M | $688.0K | $-54M | $-25M | $-8M | $34M | $101M | $131M | $183M | |
| Taxes Paid | · | · | $0 | $0 | $0 | $0 | $0 | $0 | $215.0K | $-122.0K | $-28.0K | $765.0K | $2M | $-12.0K | $708.0K | $416.0K | |
| Free Cash Flow | · | $15M | · | · | · | $7M | · | · | · | $-3M | · | · | · | $180.0K | · | · | |
| Levered FCF | · | · | · | · | · | $-8M | · | · | · | $-18M | · | · | · | $-11M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 20.0% | 22.0% | · | 13.2% | 11.2% | 16.9% | · | 9.7% | 5.3% | 10.8% | · | 13.8% | 7.3% | 14.9% | · | 22.6% | |
| Pretax Margin | 25.9% | 28.7% | · | 16.5% | 14.8% | 21.7% | · | 12.1% | 6.9% | 15.4% | · | 18.7% | 9.9% | 20.1% | · | 29.9% | |
| EBITDA Margin | · | 2.3% | · | · | · | 2.7% | · | · | · | 2.7% | · | · | · | 2.3% | · | · | |
| ROA | 0.18% | 0.20% | · | 0.10% | 0.08% | 0.14% | · | 0.07% | 0.04% | 0.09% | · | 0.11% | 0.05% | 0.14% | · | 0.26% | |
| ROE | 2.1% | 2.3% | · | 1.2% | 0.99% | 1.7% | · | 0.86% | 0.44% | 1.0% | · | 1.3% | 0.64% | 1.7% | · | 3.0% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $28.73 | $28.10 | · | $26.92 | $26.64 | $26.44 | · | $25.75 | $25.55 | $25.52 | · | $25.76 | $25.38 | $25.22 | · | $24.74 | |
| Revenue / Share | $2.88 | $2.86 | · | $2.44 | $2.29 | $2.52 | · | $2.26 | $2.09 | $2.40 | · | $2.31 | $2.12 | $2.64 | · | $2.84 | |
| Cash Flow / Share | · | $1.54 | · | · | · | $0.82 | · | · | · | $-0.24 | · | · | · | $0.10 | · | · | |
| EPS (TTM) | $1.85 | $1.54 | · | $1.29 | $1.19 | $1.04 | · | $0.26 | $0.36 | $0.41 | · | $1.43 | $1.75 | $2.05 | · | $1.89 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $107M | $100M | · | $96M | $94M | $92M | · | $80M | $80M | $80M | · | $96M | $101M | $107M | · | $104M | |
| Net Income TTM | $18M | $15M | · | $13M | $12M | $10M | · | $3M | $3M | $4M | · | $14M | $17M | $20M | · | $18M | |
| Market Cap | $314M | $239M | · | $224M | $219M | $191M | · | $193M | $164M | $140M | · | $174M | $178M | $188M | · | $234M | |
| P/E | 17.4 | 16.0 | · | 17.9 | 19.0 | 18.9 | · | 76.9 | 47.2 | 35.6 | · | 12.7 | 10.6 | 9.7 | · | 13.0 | |
| P/S | 2.9 | 2.4 | · | 2.3 | 2.3 | 2.1 | · | 2.4 | 2.0 | 1.7 | · | 1.8 | 1.8 | 1.8 | · | 2.3 | |
| P/B | 1.1 | 0.9 | · | 0.9 | 0.8 | 0.7 | · | 0.8 | 0.7 | 0.6 | · | 0.7 | 0.7 | 0.8 | · | 1.0 | |
| P / Tangible Book | 1.3 | 1.0 | · | 1.0 | 1.0 | 0.8 | · | 0.9 | 0.8 | 0.7 | · | 0.8 | 0.8 | 0.9 | · | 1.1 | |
| P / Cash Flow | · | 15.7 | · | · | · | 23.8 | · | · | · | -60.0 | · | · | · | 193.1 | · | · | |
| Earnings Yield | 5.8% | 6.3% | · | 5.6% | 5.3% | 5.3% | · | 1.3% | 2.1% | 2.8% | · | 7.9% | 9.4% | 10.3% | · | 7.7% |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Revenue | $97M | · | · | $90M | · |
| Net Income | $13M | · | · | $8M | · |
| Diluted EPS | $1.34 | · | · | $0.87 | · |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Free Cash Flow | $-6M | · | · | $-2M | · |
Institutional owners (13F) 104 filers · $213.3M total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
104
Value held
$213.3M
New positions
15
Exited positions
4
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 15 (+5 vs prior Q) | 4 (-3 vs prior Q) | 37 (+4 vs prior Q) | 29 (0 vs prior Q) | +115K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| WELLINGTON MANAGEMENT GROUP LLP | $23,989,252 | 747,096 | 11.25% | Shares |
| North Reef Capital Management LP | $23,845,849 | 742,630 | 11.18% | Shares |
| BlackRock, Inc. | $17,426,290 | 542,706 | 8.17% | Shares |
| VANGUARD GROUP INC | $12,214,555 | 455,597 | 5.73% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $11,351,495 | 353,519 | 5.32% | Shares |
| BANC FUNDS CO LLC | $10,994,592 | 342,404 | 5.15% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $9,180,581 | 285,909 | 4.30% | Shares |
| ALGEBRIS (UK) LTD | $8,293,181 | 259,090 | 3.89% | Shares |
| MENDON CAPITAL ADVISORS CORP | $6,929,820 | 215,815 | 3.25% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $6,483,125 | 201,866 | 3.04% | Shares |
| PUNCH & ASSOCIATES INVESTMENT MANAGEMENT, INC. | $6,261,450 | 195,000 | 2.94% | Shares |
| Curi Capital, LLC | $6,114,451 | 190,422 | 2.87% | Shares |
| Diamond Hill Capital Management, LLC (Investment Advisor) | $5,485,159 | 170,824 | 2.57% | Shares |
| JACOBS ASSET MANAGEMENT, LLC | $4,495,400 | 140,000 | 2.11% | Shares |
| STATE STREET CORP | $4,480,983 | 139,551 | 2.10% | Shares |
| ALLIANCEBERNSTEIN L.P. | $4,347,366 | 176,866 | 2.04% | Shares |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $3,977,080 | 123,858 | 1.86% | Shares |
| First Western Trust Bank | $2,961,859 | 92,241 | 1.39% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $2,598,983 | 80,940 | 1.22% | Shares |
| Brevan Howard Capital Management LP | $2,408,250 | 75,000 | 1.13% | Shares |
| NORTHERN TRUST CORP | $2,143,792 | 66,764 | 1.01% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1,874,196 | 58,368 | 0.88% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $1,841,765 | 57,358 | 0.86% | Shares |
| Qube Research & Technologies Ltd | $1,818,004 | 56,618 | 0.85% | Shares |
| Rosenthal | Henry Capital Advisors, Inc. | $1,769,678 | 55,113 | 0.83% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $1,685,325 | 52,486 | 0.79% | Shares |
| SEI INVESTMENTS CO | $1,587,807 | 49,449 | 0.74% | Shares |
| Round Rock Advisors LLC | $1,523,009 | 47,431 | 0.71% | Shares |
| Cherry Creek Investment Advisors, Inc. | $1,497,671 | 49,939 | 0.70% | Shares |
| Biltmore Family Office, LLC | $1,455,097 | 45,316 | 0.68% | Shares |
| GOLDMAN SACHS GROUP INC | $1,204,350 | 37,507 | 0.56% | Shares |
| Trexquant Investment LP | $1,098,740 | 34,218 | 0.52% | Shares |
| Empowered Funds, LLC | $1,077,547 | 33,558 | 0.51% | Shares |
| BOOTHBAY FUND MANAGEMENT, LLC | $1,057,543 | 32,935 | 0.50% | Shares |
| UBS Group AG | $1,017,502 | 31,688 | 0.48% | Shares |
| FIRST TRUST ADVISORS LP | $930,708 | 28,985 | 0.44% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $914,943 | 28,494 | 0.43% | Shares |
| CM WEALTH ADVISORS LLC | $834,924 | 26,002 | 0.39% | Shares |
| MORGAN STANLEY | $818,292 | 25,484 | 0.38% | Shares |
| RAYMOND JAMES FINANCIAL INC | $802,750 | 25,000 | 0.38% | Shares |
| Nuveen, LLC | $779,374 | 24,272 | 0.37% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $768,810 | 23,943 | 0.36% | Shares |
| Lido Advisors, LLC | $741,099 | 23,080 | 0.35% | Shares |
| Bank of New York Mellon Corp | $735,511 | 22,906 | 0.34% | Shares |
| TWO SIGMA INVESTMENTS, LP | $730,278 | 22,743 | 0.34% | Shares |
| STRS OHIO | $693,576 | 21,600 | 0.33% | Shares |
| AMERICAN CENTURY COMPANIES INC | $607,553 | 18,921 | 0.28% | Shares |
| AMERIPRISE FINANCIAL INC | $566,067 | 17,629 | 0.27% | Shares |
| PMC FIG Opportunities LLC | $547,957 | 17,065 | 0.26% | Shares |
| MARSHALL WACE, LLP | $523,554 | 16,305 | 0.25% | Shares |
Company insiders 22 insiders · 8 officers · 11 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Scott C Wylie | CHAIRMAN, CEO AND PRESIDENT | Aug. 31, 2026 S | 740,312 | 0 | 6 | $-1,266,970 |
| David R. Weber | Chief Financial Officer | May 4, 2026 F | 6,365 | 0 | 0 | $0 |
| Josh M Wilson | Regional President, Colo./Wyo. | May 1, 2019 A | 5,319 | 0 | 0 | $0 |
| Julie A Courkamp | CHIEF OPERATING OFFICER | May 4, 2026 F | 59,680 | 0 | 1 | $-75,730 |
| Matthew C. Cassell | CHIEF REVENUE OFFICER | May 4, 2026 F | 16,240 | 0 | 0 | $0 |
| Eric E. Ensmann | Chief Risk Officer | Aug. 8, 2025 F | 6,698 | 0 | 0 | $0 |
| Daniel C Thompson | Regional Pres., Ariz./Calif. | May 1, 2019 A | 21,392 | 0 | 0 | $0 |
| Cammie A Redpath | Chief Human Capital Officer | Feb. 1, 2019 A | 3,436 | 0 | 0 | $0 |
| Ellen S. Robinson | Director | June 3, 2026 A | 2,907 | 0 | 0 | $0 |
| Scott C Mitchell | Director | June 3, 2026 A | 5,482 | 0 | 7 | $-99,919 |
| Mark L Smith | Director | June 3, 2026 A | 53,626 | 0 | 1 | $-42,450 |
| Joseph C. Zimlich | Director | June 3, 2026 A | 42,079 | 0 | 0 | $0 |
| Hamill Patrick H | Director | June 3, 2026 A | 165,229 | 0 | 0 | $0 |
| Thomas A Gart | Director | June 3, 2026 A | 25,493 | 0 | 0 | $0 |
| David R Duncan | Director | June 3, 2026 A | 44,652 | 0 | 7 | $-422,678 |
| Luke A Latimer | Director | June 3, 2026 A | 57,547 | 0 | 1 | $-42,434 |
| Julie A Caponi | Director | June 3, 2026 A | 23,571 | 0 | 0 | $0 |
| Jesica J. Montgomery | · | May 3, 2024 F | 3,220 | 0 | 0 | $0 |
| Scott J Lawley | · | May 3, 2024 F | 12,805 | 0 | 0 | $0 |
| James Allen Scott | · | Feb. 15, 2024 A | 5,752 | 0 | 0 | $0 |
| John Emery Sawyer | · | Jan. 2, 2024 F | 25,924 | 0 | 0 | $0 |
| Eric D Sipf | · | Aug. 1, 2023 A | 184,316 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 20 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.06% | 29,465 SH | Sept. 11, 2026 | Daily |
| EBIT · Harbor ETF Trust | 0.04% | 167 NS | July 31, 2026 | N-PORT |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.02% | 7,576 SH | Aug. 19, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 50,065 SH | Aug. 19, 2026 | Daily |
| DFSV · Dimensional ETF Trust | 0.01% | 23,761 NS | July 31, 2026 | N-PORT |
| IWM · iShares Trust | 0.01% | 223,338 SH | Sept. 11, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.01% | 772 SH | Oct. 23, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 4,143 NS | July 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.01% | 29,009 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.01% | 29,935 NS | July 31, 2026 | N-PORT |
| ITOT · iShares Trust | 0.00% | 32,687 SH | Sept. 11, 2026 | Daily |
| DFSU · Dimensional ETF Trust | 0.00% | 548 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 753 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 8,157 NS | July 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 1,030 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 84,941 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 259,432 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 727 SH | Aug. 19, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.00% | 8 NS | July 31, 2026 | N-PORT |
| IWN · iShares Trust | · | 82,319 SH | Sept. 11, 2026 | Daily |
MYFW Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 8 analysts
BUY
Median target
$33.00
+10.1%
2 25.0%
Strong Buy
4 50.0%
Buy
2 25.0%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
3 analysts · 2026-10-25Mean target $32.67 +9.0%
← Below all targets
Current price $29.98
Low$31.00
Mean$32.67
High$34.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| MYFW | $261M | 20.0 | 7.6% | 13.6% | 5.0% | · |
| BPRN | · | 12.8 | 12.8% | · | · | · |
| FVCB | $249M | 11.5 | 13.9% | 1238.5% | 8.9% | · |
| FUNC | $243M | 9.9 | 4.0% | 133.1% | 12.4% | · |
| ATLO | $203M | 15.6 | 21.9% | 28.5% | 9.5% | · |
| ISBA | $366M | 19.5 | 11.5% | 24.1% | 8.4% | · |
| OVLY | $252M | 10.4 | 6.7% | 29.3% | 12.2% | · |
| FRAF | $225M | 10.6 | 24.8% | 23.9% | 12.8% | · |
| QNBC | · | · | 16.9% | 24.2% | 11.6% | · |
| LCNB | $233M | 10.1 | 13.3% | 25.1% | 8.6% | · |
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Source: SEC 10-Q filed Jul 31, 2026