First Western Financial Inc's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of First Western Financial Inc (MYFW) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: First Western Financial Inc vs Its Competitors
- TTM: Trailing 12-month revenue of 111M vs -M combined for its competitors (100.0% combined share).
- Trending: Latest-quarter revenue run-rate is holding steady (+1.6% annualized vs trailing 12 months).
- Scale: First Western Financial Inc ranks #144 of 218 companies by market capitalization in the Regional Banks industry, holding 0.0% of industry market cap.
- Peer revenue share: First Western Financial Inc accounted for 100.0% of combined revenue among its tracked peer group, up from 100.0% a year earlier.
- Peer differentiation: Revenue per employee of $0.35M compares with $0.00M for the peer group (238.8x).
- Structure: First Western Financial Inc operates in the following segments: Wealth Management, Mortgage.
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
MYFW Sales vs. its Competitors, Q3 2026
First Western Financial Inc generated 100.00 % of the combined sales of its peer group, up from 100.00 % a year earlier.
API endpoints for this dataset
For context: the Regional Banks industry grew revenue 6.8% year over year, combined, vs 17.0% for First Western Financial Inc. First Western Financial Inc's share of combined industry revenue moved from 0.02% to 0.02%, a gain of 0.00 percentage points.
First Western Financial Inc's Competitor Quality Breadth
Group definitions: see Methodology: Performance Group Definitions.
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| First Western Financial Inc | Yes | Yes | Yes | No |
| Competitors combined (1) | - | |||
| Similar-Size Competitors (10) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
MYFW Stock Performance relative to its Competitors
MYFW Stock Performance relative to Similar-Size Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Bank Bradesco | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for First Western Financial Inc's best-performing competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
First Western Financial Inc's Comment on Competition and Industry Peers
Publicly Traded Peers of First Western Financial Inc
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
 First Western Financial Inc |
306.54 | 110.74 |
 Bank Bradesco |
13,455.15 | 118.96 |
| SUBTOTAL | 13,761.70 | 229.70 |
Sources: see Methodology: Peer & Competitor Identification, Sourcing.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on First Western Financial Inc versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
First Western Financial Inc's Competitors Named by the Company
Competitive relationships identified from First Western Financial Inc reports and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Bank Bradesco | Company report | 85% |
| American River Bankshares | Company report | 85% |
| California Bancorp | Company report | 85% |
| First Foundation inc | Company report | 85% |
| Great Western Bancorp Inc | Company report | 85% |
| New Peoples Bankshares Inc | Company report | 85% |
| Cu Bancorp | Company report | 85% |
| Pacific Premier Bancorp Inc | Company report | 85% |
| Western Alliance Bancorporation | Company report | 85% |
| Heritage Oaks Bancorp | Company report | 85% |
| Bank Of Commerce Holdings | Company report | 85% |
| Community West Bancshares | Company report | 85% |
| Five Star Bancorp | Company report | 85% |
| Mechanics Bancorp | Company report | 85% |
| Cnb Corp | Company report | 85% |
| Pcb Bancorp | Company report | 85% |
| Svb Financial Group | Company report | 85% |
| 1st Century Bancshares, Inc. | Company report | 85% |
| Banner Corporation | Company report | 85% |
| Cathay General Bancorp | Company report | 85% |
| First Interstate Bancsystem Inc | Company report | 85% |
| Heritage Commerce Corp | Company report | 85% |
| Avidbank Holdings Inc | Company report | 85% |
| Op Bancorp | Company report | 85% |
| Fcb Financial Holdings, Inc. | Company report | 85% |
| Rbb Bancorp | Company report | 85% |
| Luther Burbank Corp | Company report | 85% |
| Sierra Bancorp | Company report | 85% |
| East West Bancorp inc | Company report | 85% |
| Glacier Bancorp Inc | Company report | 85% |
| Northern California Bancorp Inc | Company report | 85% |
| Cobiz Financial Inc | Company report | 85% |
| Pacific Capital Bancorp | Company report | 85% |
| Trico Bancshares | Company report | 85% |
| Guaranty Bancorp | Company report | 85% |
| Bank Of Marin Bancorp | Company report | 85% |
| Cvb Financial Corp | Company report | 85% |
| Primis Financial Corp | Company report | 85% |
| Heartland Financial Usa Inc | Company report | 85% |
| Baycom Corp | Company report | 85% |
| Oak Valley Bancorp | Company report | 85% |
| River Financial Corporation | Company report | 85% |
| First Choice Bancorp | Company report | 85% |
Company report basis, confidence, active dates and source counts for First Western Financial Inc's named competitors require a Commercial License.
Methodology: see Methodology: Peer & Competitor Identification, Sourcing.
First Western Financial Inc's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| First Western Financial Inc | Wealth Management 97.13 % |
Source: operating segment revenue as reported in each company's reports (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
First Western Financial Inc's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| First Western Financial Inc | 307 | 346,078 | 66,350 |
| Bank Bradesco | 13,455 | 1,449 | 52,215 |
| PEERS TOTAL | 13,455 | 1,449 | 52,215 |
First Western Financial Inc's Position in Industry Market Structure
Market-capitalization share and concentration across all 198 companies in First Western Financial Inc's industry classification, broader than the peer set above. Market cap in millions of $.First Western Financial Inc ranks #144 of 198 companies by market capitalization in its industry, holding 0.04 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 516, indicating a unconcentrated market structure (see Methodology: Market Structure & Concentration).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Bank Of Nova Scotia | 113,512 | 15.05 % |
| 2 | Deutsche Bank Aktiengesellschaft | 69,917 | 9.27 % |
| 3 | Fifth Third Bancorp | 48,582 | 6.44 % |
| 4 | State Street Corp | 46,533 | 6.17 % |
| 5 | Ita Unibanco Holding S a | 1,234 | 5.2% |
| 6 | M and t Bank Corporation | 1,234 | 5.2% |
| 7 | Northern Trust Corporation | 1,234 | 5.2% |
| 8 | Citizens Financial Group Inc | 1,234 | 5.2% |
| 9 | First Citizens Bancshares Inc | 1,234 | 5.2% |
| 10 | East West Bancorp inc | 1,234 | 5.2% |
| 144 | First Western Financial Inc | 306 | 0.04 % |
Market cap and industry share for the rest of First Western Financial Inc's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-11-06.
First Western Financial Inc's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 139 | Mechanics Bancorp | 327 | 6.70 % |
| 140 | Fs Bancorp Inc | 326 | 14.70 % |
| 141 | John Marshall Bancorp inc | 326 | 22.39 % |
| 142 | First Community Corporation | 313 | 22.89 % |
| 143 | Franklin Financial Services Corporation | 1,234 | 12.3% |
| 144 | First Western Financial Inc | 306 | 32.22 % |
| 145 | Princeton Bancorp Inc | 1,234 | 12.3% |
| 146 | Isabella Bank Corp | 1,234 | 12.3% |
| 147 | Fvcbankcorp Inc | 1,234 | 12.3% |
| 148 | Oak Valley Bancorp | 1,234 | 12.3% |
| 149 | First National Corp | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of First Western Financial Inc's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-11-06. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
First Western Financial Inc's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Regional Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (2 companies). See the full Regional Banks industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 56.54 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 64.96 % | 50.49 % (avg) | +14.5 pp |
| Capital Intensity (Capex / Revenue) | 2.98 % | 1.38 % (avg) | +1.6 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
First Western Financial Inc's Valuation vs Competitive Position
Valuation multiples vs the Regional Banks industry average (2 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Regional Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 14.8x | - | - |
| EV / EBITDA | 3.7x | - | - |
| P/B | 1.1x | - | - |
| Return on Equity | 7.67 % | industry aggregate | -3.89 % |
| Return on Invested Capital | - | 4.16 % (avg) | - |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
First Western Financial Inc's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in company reports.| Metric | 2019 | 2020 | 2021 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Revenue Growth | - | - | 3.06 % | -23.38 % | 8.92 % | 7.60 % |
| Operating Margin | - | 35.71 % | 28.59 % | - | - | - |
| Return on Invested Capital | - | 10.09 % | 6.58 % | 0.22 % | 0.36 % | 0.52 % |
| P/E | - | 6.0x | 12.4x | 31.2x | 23.5x | 17.7x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
First Western Financial Inc's BCG Growth-Share Matrix
See Methodology: BCG Growth-Share Matrix for how relative share and growth are calculated and thresholded.
First Western Financial Inc falls in the Question Mark quadrant: relative market share of 0.00x vs its largest competitor, in an industry growing revenue 11.9% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution.
First Western Financial Inc's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 516 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | High (capital intensive) | Capital intensity (capex / revenue) of 2.98 % vs industry average 1.38 % (see Profitability & Cost Structure above) |
Note: see Methodology: Porter's Five Forces. Supplier power and buyer power are covered on First Western Financial Inc's dedicated Suppliers and Customers pages, not here.
First Western Financial Inc's Industry Attractiveness & Competitive Strength
See Methodology: GE/McKinsey Matrix for how the two axes are built.
First Western Financial Inc falls in the Medium attractiveness / Medium strength cell: Selective.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
First Western Financial Inc's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Outperforming the U.S.A. 500 over the trailing 12 months.
Weaknesses
- Low relative market share vs the industry leader (0.00x).
Opportunities
- Industry revenue growing at a healthy 11.9% median pace.
- A meaningful share of competitors (100.00 %) show financial-distress signals, a possible opening to gain share.
Threats
- High capital intensity requires continuous reinvestment just to keep pace with the industry.
Methodology: see Methodology: SWOT Analysis.
First Western Financial Inc's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| First Western Financial Inc | 0.04 | 1.14 | 0.15 |
| Bank Bradesco | 90.31 | 6.18 | - |
Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
First Western Financial Inc's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| First Western Financial Inc | Q3 2026 | +17.0 % | +87.7 % |
| Bank Bradesco | Q4 2025 | -71.8 % | +31.1 % |
| PEERS TOTAL | -67.0 % | +31.1 % |
Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
First Western Financial Inc's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| First Western Financial Inc | Q3 2026 | -73.2 % | -56.8 % |
| Bank Bradesco | Q4 2025 | -9.8 % | +110.2 % |
First Western Financial Inc's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| First Western Financial Inc | 0.65% | 0.66% | 7.67% |
| Bank Bradesco | 1.01% | 0.97% | 13.12% |
ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
First Western Financial Inc's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| First Western Financial Inc | 14.35 | 2.77 |
| Bank Bradesco | 0.57 | 113.11 |
| PEERS AVERAGE | 3.19 | 59.91 |
P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.