MYFW (First Western Financial) Moat Score: 4/10 (As of Jun. 30, 2026)


MYFW First Western Financial Inc MYFW
61 GF Score
Price $32.07
GF Value $23.05
Valuation Significantly Overvalued
! 5 Warning Signs
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What is First Western Financial Moat Score?

First Western Financial MYFW -0.12% 61 Moat Score is 4 as of Jun. 30, 2026. GuruFocus rates MYFW with a GF Score™ of 61/100 and a GF Value™ of $23.05 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,613 Banks companies, First Western Financial ranks better than 86.24% on this metric.

First Western Financial has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

First Western Financial has Narrow Moat: First Western Financial Inc has a discernible but modest moat, primarily due to its regional market presence and customer relationships. The company benefits from some switching costs in financial services but lacks strong brand strength, intellectual property, or significant regulatory barriers.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes First Western Financial might have Narrow Moat - Discernible but modest moat.

First Western Financial  (NAS:MYFW) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

First Western Financial Moat Score Related Terms

MYFW vs JMSB, FCCO, CSHX: Moat Score Comparison

For the Banks - Regional subindustry, First Western Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, First Western Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where First Western Financial's Moat Score falls into.


MYFW
61GF Score
First Western Financial Inc MYFW
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
First Western Financial (MYFW) has a Moat Score of 4 as of Jun. 30, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, First Western Financial ranks #222 out of 1613 companies in the Banks industry, placing it in the top 13.8%.
Is First Western Financial's Moat Score too high?
First Western Financial's current Moat Score is 4. Based on the distribution chart, First Western Financial ranks #222 out of 1613 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, First Western Financial has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Western Financial's Moat Score compare to JMSB and FCCO?
According to the Banks industry distribution chart, First Western Financial ranks #222 out of 1613 companies for Moat Score. This places First Western Financial in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. First Western Financial's current Moat Score is 4. 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 $23.05, compared to a current price of $32.07 — trading 39.1% above its estimated fair value. The current Moat Score is 4. First Western Financial's overall GF Score™ is 61/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For First Western Financial (MYFW), the current Moat Score is 4 as of Jun. 30, 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 $32.07 is trading 39.1% above its estimated GF Value™ of $23.05. GuruFocus considers First Western Financial to be Significantly Overvalued.

Key valuation signals for MYFW:

  • Moat Score: 4
  • GF Value™: $23.05 vs. price of $32.07 (39.1% above fair value)
  • GF Score™: 61/100 with 5 warning signs

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 Business Description

Other Exchanges 33Q:Germany
Address 1900 16th Street, Suite 1200, Denver, CO, USA, 80202
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.
61GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$32.07
Price
$23.05
GF Value