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First Western FinancialMYFW -1.37%64 Debt-to-Equity is 0.29 as of Jun. 2026, which is 43% below its 10-year median of 0.51. GuruFocus rates MYFW with a GF Score™ of 64/100 and a GF Value™ of $23.47 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,422 Banks companies, First Western Financial ranks better than 69.83% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for First Western Financial's Debt-to-Equity or its related term are showing as below:
MYFW'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.13 Med: 0.51 Max: 1.7
Current: 0.29
During the past 10 years, the highest Debt-to-Equity Ratio of First Western Financial was 1.70. The lowest was 0.13. And the median was 0.51.
MYFW's Debt-to-Equity is ranked better than 69.83% of 1422
companies
in the Banks industry
Industry Median: 0.58
vs MYFW: 0.29
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
First Western Financial Debt-to-Equity Related Terms
First Western Financial Debt-to-Equity Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
MYFW vs BRBS, CCFN, JMSB: Debt-to-Equity Comparison
For the Banks - Regional subindustry, First Western Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Western Financial Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, First Western Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where First Western Financial's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First Western Financial (MYFW) has a Debt-to-Equity of 0.29 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on First Western Financial and its competitors. This is 43% below median its historical median of 0.51. Over the past decade, First Western Financial's Debt-to-Equity has ranged from 0.13 to 1.70. According to the industry distribution chart, First Western Financial ranks #429 out of 1422 companies in the Banks industry, placing it in the top 30.2%.
Is First Western Financial's Debt-to-Equity too high?
First Western Financial's current Debt-to-Equity of 0.29 is 43% below median its 10-year median of 0.51. Over the past 10 years, this metric has ranged from a low of 0.13 to a high of 1.70. The Banks industry median Debt-to-Equity is 0.58. First Western Financial's value of 0.29 is 50% below this industry median. Based on the distribution chart, First Western Financial ranks #429 out of 1422 companies in the Banks industry, which is above the industry midpoint. Overall, First Western Financial has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Western Financial's Debt-to-Equity compare to BRBS and CCFN?
According to the Banks industry distribution chart, First Western Financial ranks #429 out of 1422 companies for Debt-to-Equity. This puts First Western Financial in the upper half of its industry. The industry median Debt-to-Equity is 0.58. First Western Financial's value of 0.29 is 50% below this benchmark. Historically, First Western Financial's own Debt-to-Equity has ranged from 0.13 to 1.70 over the past decade. While the company's 10-year median is 0.51 vs. the industry median of 0.58, First Western Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Western Financial's current Debt-to-Equity of 0.29 is 50% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on First Western Financial and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Western Financial's current Debt-to-Equity is 0.29, which is 43% below median its own 10-year median of 0.51. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Western Financial stock overvalued right now?
Based on GuruFocus' analysis, First Western Financial (MYFW) is currently considered Significantly Overvalued. The stock's GF Value™ is $23.47, compared to a current price of $31.31 — trading 33.4% above its estimated fair value. The current Debt-to-Equity is 0.29, which is 43% below median its 10-year median of 0.51 and 50% below the Banks industry median of 0.58. First Western Financial's overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For First Western Financial (MYFW), the current Debt-to-Equity is 0.29 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First Western Financial (MYFW) Overvalued in 2026?
Based on GuruFocus' analysis, First Western Financial stock appears to be overvalued.
The current stock price of $31.31 is trading 33.4% above its estimated GF Value™ of $23.47.
GuruFocus considers First Western Financial to be Significantly Overvalued.
Key valuation signals for MYFW:
Debt-to-Equity: 0.29 (43% below median its 10-year median of 0.51)
GF Value™: $23.47 vs. price of $31.31 (33.4% above fair value)
Industry Position: 50% below the Banks median (#429 of 1422)
No single metric tells the full story. See the MYFW stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Western Financial Inc is a financial holding company that provides a fully integrated suite of wealth management services on its private trust bank platform, which includes a comprehensive selection of deposit, loan, trust, wealth planning, and investment management products and services. The company has two operating segments; The Wealth Management segment consists of operations relative to the Company's fully integrated wealth management products and services, and The Mortgage segment consists of operations relative to the Company's residential mortgage service offerings. The bank derives its majority revenue from the wealth management segment.
64GF Score
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