33Q Stock Chart & Stats
€21.60
-€0.10(-0.56%)
At close: 4:00 PM EST
€21.60
-€0.10(-0.56%)
Day’s Range― - ―
52-Week Range€17.50 - €28.40
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
€281.57M
Enterprise Value€124.87M
Total Cash (Recent Filing)€305.99M
Total Debt (Recent Filing)€94.82M
Price to Earnings (P/E)20.9
Beta0.43
Next Earnings
Jul 23, 2026EPS Estimate
0.49Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.57
Shares Outstanding9,728,968
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
€25.34Price Target Upside17.30% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)2.14
Revenue Forecast (FY)€101.70M
Bulls Say, Bears Say
Bulls Say
Diversified Revenue MixFirst Western’s integrated model combines net interest income from lending with recurring wealth and fiduciary fees tied to AUM. Serving high‑net‑worth clients creates durable, sticky relationships and recurring fee streams that diversify earnings and reduce sensitivity to loan cycle swings over a multi‑quarter horizon.
Improving Profitability And GrowthSequential and year‑over‑year profit improvement, rising NII and tighter efficiency indicate operating leverage and real progress in core banking performance. Sustained loan and deposit growth with pipeline support suggests these profit gains can persist over several quarters if management maintains disciplined expense control.
Conservative Balance Sheet And Deposit BaseLower leverage and growing equity provide capital flexibility for lending, reserves, and opportunistic buybacks. A predominantly noninterest‑bearing and money‑market deposit mix improves funding stability and supports measured loan growth with less reliance on volatile wholesale funding across the medium term.
Bears Say
Weak, Volatile Cash Flow ConversionIrregular and weak cash conversion constrains capital allocation flexibility, limiting sustained buybacks, dividend initiation, or higher strategic investment. Over multiple quarters, inconsistent operating cash flow raises funding and liquidity risk and forces reliance on accounting earnings rather than free cash to support growth.
Low Returns On CapitalROE near 5.7% implies the franchise is under‑earning its capital base versus historical peaks and management’s low‑teens ROE goal. Persistent low returns can limit shareholder value creation and increase pressure to materially improve margins, scale fee income, or pursue accretive M&A to reach acceptable long‑term profitability.
NIM Uncertainty & Deposit CompetitionCompetitive deposit pricing and seasonal outflows make margin expansion uncertain even with a target NIM of ~3.15–3.20%. If funding costs rise or customer mix shifts, net interest income growth could slow, constraining the bank’s primary earnings engine and making margin recovery dependent on persistent favorable funding dynamics.
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 €17.50 and its highest was €28.40 in the past 12 months.
What is First Western Financial Inc’s market cap?
First Western Financial Inc’s market cap is €281.57M.
When is First Western Financial Inc’s upcoming earnings report date?
First Western Financial Inc’s upcoming earnings report date is Jul 23, 2026 which is in 14 days.
How were First Western Financial Inc’s earnings last quarter?
First Western Financial Inc released its earnings results on Apr 23, 2026. The company reported €0.552 earnings per share for the quarter, beating the consensus estimate of €0.386 by €0.167.
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 0.49.
How many shares outstanding does First Western Financial Inc have?
First Western Financial Inc has 9,728,968 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 €0.552 in its last earnings report, beating expectations of €0.386. Following the earnings report the stock price went same 0%.
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:
€25.34 (17.30% Upside)
€25.34 (17.30% Upside)
Insider Transactions
Sold Shares
Worth €457.2K 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
5.74%
Trailing 12-Months
Asset Growth
11.51%
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
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed broadly positive momentum: meaningful quarter-over-quarter and year-over-year improvements in profitability, NIM expansion, loan and deposit growth, stronger mortgage and fee income, improved efficiency and asset quality, and targeted investments in wealth/deposit capabilities. The negatives were largely manageable or one-time (OREO write-down), plus expected seasonal deposit outflows, competitive deposit pricing, some portfolio rebalancing (owner-occupied CRE), and caution on the pace of future NIM expansion tied to macro uncertainty. On balance the positives materially outweigh the negatives.View all DE:33Q earnings summaries33Q Stock 12 Month Forecast
Average Price Target
€25.34
▲(17.30% Upside)
Technical Analysis
Options Prices
Currently, No data available
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