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First Western FinancialMYFW +0.03%63 EV-to-OCF is 7.83 as of Aug. 21, 2026, which is 190% above its 10-year median of 2.70. GuruFocus rates MYFW with a GF Score™ of 63/100 and a GF Value™ of $24.28 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,495 Banks companies, First Western Financial ranks worse than 63.95% on this metric.
The historical rank and industry rank for First Western Financial's EV-to-OCF or its related term are showing as below:
MYFW'
s EV-to-OCF Range Over the Past 10 Years
Min: -94.43 Med: 2.7 Max: 133.47
Current: 7.83
During the past 10 years, the highest EV-to-OCF of First Western Financial was 133.47. The lowest was -94.43. And the median was 2.70.
MYFW's EV-to-OCF is ranked worse than 63.95% of 1495
companies
in the Banks industry
Industry Median: 3.9
vs MYFW: 7.83
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First Western Financial (NAS:MYFW) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First Western Financial's PE Ratio (TTM) for today is calculated as:
First Western Financial's share price for today is $31.00.
First Western Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.860.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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.
For the Banks - Regional subindustry, First Western Financial's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, First Western Financial's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where First Western Financial's EV-to-OCF falls into.
First Western Financial's current Enterprise Value is $209.1 Mil.
First Western Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $26.7 Mil.
* 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 EV-to-OCF of 7.83 as of Aug. 21, 2026. This is 190% above median its historical median of 2.70. According to the industry distribution chart, First Western Financial ranks #956 out of 1495 companies in the Banks industry, placing it in the top 63.9%.
Is First Western Financial's EV-to-OCF too high?
First Western Financial's current EV-to-OCF of 7.83 is 190% above median its 10-year median of 2.70. The Banks industry median EV-to-OCF is 3.90. First Western Financial's value of 7.83 is 100.8% above this industry median. Based on the distribution chart, First Western Financial ranks #956 out of 1495 companies in the Banks industry, which is below the industry midpoint. Overall, First Western Financial has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Western Financial's EV-to-OCF compare to BRBS and CCFN?
According to the Banks industry distribution chart, First Western Financial ranks #956 out of 1495 companies for EV-to-OCF. This places First Western Financial in the lower half of its industry. The industry median EV-to-OCF is 3.90. First Western Financial's value of 7.83 is 100.8% above this benchmark. While the company's 10-year median is 2.70 vs. the industry median of 3.90, First Western Financial has consistently been above 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.90, based on 1,495 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Western Financial's current EV-to-OCF of 7.83 is 100.8% above 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Western Financial's current EV-to-OCF is 7.83, which is 190% above median its own 10-year median of 2.70. 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 Modestly Overvalued. The stock's GF Value™ is $24.28, compared to a current price of $31.00 — trading 27.7% above its estimated fair value. The current EV-to-OCF is 7.83, which is 190% above median its 10-year median of 2.70 and 100.8% above the Banks industry median of 3.90. First Western Financial's overall GF Score™ is 63/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For First Western Financial (MYFW), the current EV-to-OCF is 7.83 as of Aug. 21, 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 $31.00 is trading 27.7% above its estimated GF Value™ of $24.28.
GuruFocus considers First Western Financial to be Modestly Overvalued.
Key valuation signals for MYFW:
EV-to-OCF: 7.83 (190% above median its 10-year median of 2.70)
GF Value™: $24.28 vs. price of $31.00 (27.7% above fair value)
Industry Position: 100.8% above the Banks median (#956 of 1495)
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.
63GF Score
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