First Western FinancialFRA:33Q -2.11%59 EV-to-FCF is 81.72 as of Jul. 05, 2026, which is 3867% above its 10-year median of 2.06. GuruFocus rates FRA:33Q with a GF Score™ of 59/100 and a GF Value™ of €19.48 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,196 Banks companies, First Western Financial ranks worse than 95.74% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, First Western Financial's Enterprise Value is €133.94 Mil.
First Western Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €1.64 Mil. Therefore, First Western Financial's EV-to-FCF for today is 81.72.
The historical rank and industry rank for First Western Financial's EV-to-FCF or its related term are showing as below:
FRA:33Q'
s EV-to-FCF Range Over the Past 10 Years
Min: -133.25 Med: 2.06 Max: 82.87
Current: 79.9
During the past 10 years, the highest EV-to-FCF of First Western Financial was 82.87. The lowest was -133.25. And the median was 2.06.
FRA:33Q's EV-to-FCF is ranked worse than 95.74% of 1196
companies
in the Banks industry
Industry Median: 6.565
vs FRA:33Q: 79.90
EV-to-FCF 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 (FRA:33Q) EV-to-FCF Explanation
EV-to-FCF 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 €27.80.
First Western Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €1.333.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, First Western Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where First Western Financial's EV-to-FCF falls into.
First Western Financial's current Enterprise Value is €133.94 Mil.
First Western Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €1.64 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 (FRA:33Q) has a EV-to-FCF of 81.72 as of Jul. 05, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Western Financial and its competitors. This is 3867% above median its historical median of 2.06. According to the industry distribution chart, First Western Financial ranks #1145 out of 1196 companies in the Banks industry, placing it in the top 95.7%.
Is First Western Financial's EV-to-FCF too high?
First Western Financial's current EV-to-FCF of 81.72 is 3867% above median its 10-year median of 2.06. The Banks industry median EV-to-FCF is 6.57. First Western Financial's value of 81.72 is 1144.8% above this industry median. Based on the distribution chart, First Western Financial ranks #1145 out of 1196 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, First Western Financial has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Western Financial's EV-to-FCF compare to JMSB and FCCO?
According to the Banks industry distribution chart, First Western Financial ranks #1145 out of 1196 companies for EV-to-FCF. This places First Western Financial in the lower half of its industry. The industry median EV-to-FCF is 6.57. First Western Financial's value of 81.72 is 1144.8% above this benchmark. While the company's 10-year median is 2.06 vs. the industry median of 6.57, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Western Financial's current EV-to-FCF of 81.72 is 1144.8% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First Western Financial and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Western Financial's current EV-to-FCF is 81.72, which is 3867% above median its own 10-year median of 2.06. 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 (FRA:33Q) is currently considered Significantly Overvalued. The stock's GF Value™ is €19.48, compared to a current price of €27.80 — trading 42.7% above its estimated fair value. The current EV-to-FCF is 81.72, which is 3867% above median its 10-year median of 2.06 and 1144.8% above the Banks industry median of 6.57. First Western Financial's overall GF Score™ is 59/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For First Western Financial (FRA:33Q), the current EV-to-FCF is 81.72 as of Jul. 05, 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 (FRA:33Q) Overvalued in 2026?
Based on GuruFocus' analysis, First Western Financial stock appears to be overvalued.
The current stock price of €27.80 is trading 42.7% above its estimated GF Value™ of €19.48.
GuruFocus considers First Western Financial to be Significantly Overvalued.
Key valuation signals for FRA:33Q:
EV-to-FCF: 81.72 (3867% above median its 10-year median of 2.06)
GF Value™: €19.48 vs. price of €27.80 (42.7% above fair value)
Industry Position: 1144.8% above the Banks median (#1145 of 1196)
No single metric tells the full story. See the FRA:33Q 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.
59GF Score
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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