33Q Stock Chart & Stats
€26.40
€0.60(2.33%)
At close: 4:00 PM EDT
€26.40
€0.60(2.33%)
Day’s Range― - ―
52-Week Range€18.70 - €29.20
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
€257.66M
Enterprise Value€408.17
Total Cash (Recent Filing)€103.92M
Total Debt (Recent Filing)€81.28M
Price to Earnings (P/E)16.2
Beta0.44
Next Earnings
Oct 15, 2026EPS Estimate
0.52Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.90
Shares Outstanding9,765,129
10 Day Avg. Volume0
30 Day Avg. Volume0
Financial Highlights & Ratios
PEG Ratio0.36
Price to Book (P/B)0.97
Price to Sales (P/S)1.39
P/FCF Ratio-44.87
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€28.25Price Target Upside7.01% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)2.14
Revenue Forecast (FY)€101.70M
Bulls Say, Bears Say
Bulls Say
Balance-sheet Leverage ReductionDebt-to-equity falling to roughly 0.29 reflects material de-risking and equity growth versus 2022–2023 levels. Lower leverage improves capital flexibility for buybacks, hiring or opportunistic M&A, reduces default risk under stress, and supports longer-term franchise resilience.
Net Interest Income And Balance-sheet GrowthSustained NII expansion with simultaneous loan and deposit growth signals the core banking spread is re-accelerating. A growing, largely noninterest-bearing deposit base and rising higher-yielding loans create a durable earnings engine that supports margin and recurring revenue over multiple quarters.
Wealth Management AUM And Fee MomentumRecurring wealth and fiduciary fees are increasing alongside AUM growth, diversifying revenue beyond interest income. For a boutique private trust bank focused on affluent clients, rising AUM and fees provide stable, sticky margins and cross-sell opportunities that bolster longer-term revenue visibility.
Bears Say
Cash-flow Consistency RiskPrior two-year negative operating and free cash flow indicates volatility in underlying cash conversion despite a TTM rebound. Irregular cash generation can constrain capital allocation, make buybacks or acquisitions riskier, and increase sensitivity to working-capital swings over the medium term.
Rising Noninterest Expense And Efficiency DeteriorationHigher operating costs and one-time write-offs have pressured the efficiency ratio, eroding margin recovery. If investments in tech and hiring do not generate proportional fee or interest revenue, sustained expense growth will limit long-term profitability and return-on-equity improvement.
Competitive Funding And Pricing Trade-offsElevated deposit acquisition costs and compressed repricing headroom create a durable trade-off: pursuing asset growth via competitive pricing can compress NIM, while guarding margin may slow loan growth. This structural funding competition raises execution risk for sustaining margin expansion.
First Western Financial News
33Q FAQ
What was First Western Financial Inc’s price range in the past 12 months?
First Western Financial Inc lowest stock price was €18.70 and its highest was €29.20 in the past 12 months.
What is First Western Financial Inc’s market cap?
First Western Financial Inc’s market cap is €257.66M.
When is First Western Financial Inc’s upcoming earnings report date?
First Western Financial Inc’s upcoming earnings report date is Oct 15, 2026 which is in 48 days.
How were First Western Financial Inc’s earnings last quarter?
First Western Financial Inc released its earnings results on Jul 23, 2026. The company reported €0.489 earnings per share for the quarter, beating the consensus estimate of €0.476 by €0.013.
Is First Western Financial Inc overvalued?
According to Wall Street analysts First Western Financial Inc’s price is currently Undervalued.
Does First Western Financial Inc pay dividends?
First Western Financial Inc does not currently pay dividends.
What is First Western Financial Inc’s EPS estimate?
First Western Financial Inc’s EPS estimate is 0.52.
How many shares outstanding does First Western Financial Inc have?
First Western Financial Inc has 9,765,129 shares outstanding.
What happened to First Western Financial Inc’s price movement after its last earnings report?
First Western Financial Inc reported an EPS of €0.489 in its last earnings report, beating expectations of €0.476. Following the earnings report the stock price went down -0.725%.
Which hedge fund is a major shareholder of First Western Financial Inc?
Currently, no hedge funds are holding shares in DE:33Q
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
First Western Financial Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
€28.25 (7.01% Upside)
€28.25 (7.01% Upside)
Insider Transactions
Sold Shares
Worth €155.5K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
2.72%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
6.98%
Trailing 12-Months
Company Description
First Western Financial Inc
First Western Financial, Inc., a financial holding company, provides wealth advisory, private banking, personal trust, investment management, mortgage lending, and institutional asset management services to individual and corporate clients. The company operates in two segments, Wealth Management and Mortgage. The Wealth Management segment provides deposit products, including money market, demand deposit, time-deposit, interest checking, and saving accounts; loans comprising consumer and commercial purpose, unsecured consumer, construction and development, 1-4 residential, commercial real estate, and commercial and industrial loans; trust and investment management advisory products and services; and insurance. The Mortgage segment engages in soliciting, originating, and selling residential mortgage loans into the secondary market. It serves entrepreneurs, professionals, high net worth individuals or families, and business and philanthropic organizations. The company was incorporated in 2002 and is headquartered in Denver, Colorado.
33Q Company Deck
33Q Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed a largely positive operational and financial picture: strong year-over-year profitability, meaningful NIM and net interest income expansion, healthy loan and deposit growth, increasing AUM and wealth fees, and stable asset quality. Offsetting items include a small decline in noninterest income (mortgage-related), higher noninterest expense including a one-time technology write-off, modest efficiency ratio pressure, and competitive deposit and loan pricing dynamics. Management is focused on converting market disruption into growth by adding talent while remaining disciplined on pricing and underwriting.View all DE:33Q earnings summaries33Q Stock 12 Month Forecast
Average Price Target
€28.25
▲(7.01% Upside)