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First Western Financial (MYFW) Ratios
First Western Financial Ratios
MYFW's free cash flow for Q3 2026 was $9.90M. For the 2026 fiscal year, MYFW's free cash flow was increased by $1.55M and operating cash flow was $8.35M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.10 | 0.10 | 0.11 | 0.09 | 0.21 |
| Quick Ratio | 0.10 | 0.10 | 0.11 | 0.09 | 0.21 |
| Cash Ratio | 0.07 | 0.09 | 0.10 | 0.08 | 0.17 |
| Solvency Ratio | 0.01 | 0.00 | 0.00 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | -0.00 | -0.00 | 0.01 | 0.02 | 0.07 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -2.63B | $ -2.41B | $ -2.46B | $ -2.41B | $ -1.85B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.03 | 0.04 | 0.06 | 0.07 | 0.03 |
| Debt-to-Equity Ratio | 0.41 | 0.43 | 0.73 | 0.83 | 0.35 |
| Debt-to-Capital Ratio | 0.29 | 0.30 | 0.42 | 0.45 | 0.26 |
| Long-Term Debt-to-Capital Ratio | 0.29 | 0.30 | 0.42 | 0.45 | 0.26 |
| Financial Leverage Ratio | 11.88 | 11.57 | 12.26 | 11.90 | 11.54 |
| Debt Service Coverage Ratio | 0.20 | 0.12 | 0.10 | 1.37 | 4.04 |
| Interest Coverage Ratio | 0.21 | 0.13 | 0.09 | 1.67 | 5.04 |
| Debt to Market Cap | 0.42 | 0.58 | 0.94 | 0.75 | 0.32 |
| Interest Debt Per Share | 19.89 | 20.51 | 26.47 | 22.86 | 10.41 |
| Net Debt to EBITDA | -4.49 | -8.94 | -8.09 | 0.08 | -10.79 |
| Profitability Margins | |||||
| Gross Profit Margin | 52.50% | 49.23% | 48.72% | 83.57% | 93.42% |
| EBIT Margin | 9.65% | 6.51% | 4.27% | 22.61% | 27.00% |
| EBITDA Margin | 11.07% | 7.96% | 5.71% | 24.19% | 28.24% |
| Operating Profit Margin | 9.65% | 6.51% | 4.27% | 22.61% | 27.00% |
| Pretax Profit Margin | 9.16% | 6.51% | 4.27% | 22.61% | 27.00% |
| Net Profit Margin | 7.08% | 4.77% | 3.16% | 17.02% | 20.40% |
| Continuous Operations Profit Margin | 7.08% | 4.77% | 3.16% | 17.02% | 20.40% |
| Net Income Per EBT | 77.24% | 73.18% | 74.00% | 75.27% | 75.55% |
| EBT Per EBIT | 94.90% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.42% | 0.29% | 0.18% | 0.76% | 0.82% |
| Return on Equity (ROE) | 4.97% | 3.36% | 2.15% | 9.01% | 9.41% |
| Return on Capital Employed (ROCE) | 4.42% | 2.87% | 1.60% | 6.26% | 8.49% |
| Return on Invested Capital (ROIC) | 3.41% | 2.10% | 1.18% | 4.71% | 6.43% |
| Return on Tangible Assets | 0.42% | 0.29% | 0.18% | 0.77% | 0.83% |
| Earnings Yield | 5.09% | 4.49% | 2.76% | 8.15% | 8.51% |
| Efficiency Ratios | |||||
| Receivables Turnover | 11.80 | 8.53 | 7.88 | 7.37 | 7.03 |
| Payables Turnover | 68.36 | 45.24 | 22.36 | 18.62 | 18.72 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 7.25 | 7.37 | 6.55 | 5.08 | 4.21 |
| Asset Turnover | 0.06 | 0.06 | 0.06 | 0.04 | 0.04 |
| Working Capital Turnover Ratio | -0.08 | -0.08 | -0.07 | -0.06 | -0.06 |
| Cash Conversion Cycle | 25.58 | 34.72 | 30.00 | 29.90 | 32.40 |
| Days of Sales Outstanding | 30.92 | 42.78 | 46.33 | 49.49 | 51.90 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 5.34 | 8.07 | 16.32 | 19.60 | 19.50 |
| Operating Cycle | 30.92 | 42.78 | 46.33 | 49.49 | 51.90 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | -0.19 | -0.06 | 2.29 | 5.10 | 20.36 |
| Free Cash Flow Per Share | -0.60 | -0.18 | 2.05 | 4.79 | 20.10 |
| Dividend Paid and CapEx Coverage Ratio | -0.45 | -0.32 | 9.32 | 16.27 | 77.09 |
| Capital Expenditure Coverage Ratio | -0.45 | -0.45 | 9.32 | 16.27 | 77.09 |
| Operating Cash Flow Coverage Ratio | -0.02 | -0.00 | 0.12 | 0.24 | 2.09 |
| Operating Cash Flow to Sales Ratio | -0.01 | -0.00 | 0.13 | 0.38 | 1.61 |
| Free Cash Flow Yield | -2.23% | -0.93% | 10.32% | 17.01% | 66.21% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 19.71 | 22.22 | 36.21 | 12.27 | 11.76 |
| Price-to-Sales (P/S) Ratio | 1.39 | 1.06 | 1.14 | 2.09 | 2.40 |
| Price-to-Book (P/B) Ratio | 0.97 | 0.75 | 0.78 | 1.11 | 1.11 |
| Price-to-Free Cash Flow (P/FCF) Ratio | -44.87 | -107.37 | 9.69 | 5.88 | 1.51 |
| Price-to-Operating Cash Flow Ratio | -143.89 | -346.78 | 8.65 | 5.52 | 1.49 |
| Price-to-Earnings Growth (PEG) Ratio | 0.36 | 0.37 | -0.48 | -1.09 | -0.69 |
| Enterprise Value Multiple | 8.06 | 4.40 | 11.95 | 8.72 | -2.30 |
| Enterprise Value | 166.18M | 62.21M | 112.80M | 268.83M | -65.55M |
| EV to EBITDA | 8.06 | 4.40 | 11.95 | 8.72 | -2.30 |
| EV to Sales | 0.89 | 0.35 | 0.68 | 2.11 | -0.65 |
| EV to Free Cash Flow | -28.81 | -35.41 | 5.77 | 5.93 | -0.41 |
| EV to Operating Cash Flow | -92.37 | -114.35 | 5.16 | 5.57 | -0.40 |
| Tangible Book Value Per Share | 24.25 | 22.87 | 22.10 | 22.07 | 23.45 |
| Shareholders’ Equity Per Share | 27.50 | 26.15 | 25.44 | 25.46 | 27.45 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.23 | 0.27 | 0.26 | 0.25 | 0.24 |
| Revenue Per Share | 19.30 | 18.42 | 17.33 | 13.48 | 12.66 |
| Net Income Per Share | 1.37 | 0.88 | 0.55 | 2.29 | 2.58 |
| Tax Burden | 0.77 | 0.73 | 0.74 | 0.75 | 0.76 |
| Interest Burden | 0.95 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.29 | 0.28 | 0.29 | 0.40 | 0.42 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.01 | 0.02 | 0.03 |
| Income Quality | -0.14 | -0.06 | 4.19 | 2.22 | 7.89 |
Currency in USD