First Western FinancialMYFW +1.85%61 Pretax Margin % is 29.42% as of Mar. 2026, which is 103% above its 10-year median of 14.48. 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 1,527 Banks companies, First Western Financial ranks worse than 82.12% on this metric.
The historical rank and industry rank for First Western Financial's Pretax Margin % or its related term are showing as below:
MYFW'
s Pretax Margin % Range Over the Past 10 Years
Min: 6.57 Med: 14.48 Max: 34.5
Current: 18.93
MYFW's Pretax Margin % is ranked worse than 82.12% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs MYFW: 18.93
First Western Financial (NAS:MYFW) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
First Western Financial Pretax Margin % Related Terms
First Western Financial Pretax Margin % 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 FVCB, LRBI, FCCO: Pretax Margin % Comparison
For the Banks - Regional subindustry, First Western Financial's Pretax Margin %, along with its competitors' market caps and Pretax Margin % 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Western Financial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where First Western Financial's Pretax Margin % 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 Pretax Margin % of 29.42% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on First Western Financial and its competitors. This is 103% above median its historical median of 14.48. Over the past decade, First Western Financial's Pretax Margin % has ranged from 6.57 to 34.50. According to the industry distribution chart, First Western Financial ranks #1254 out of 1527 companies in the Banks industry, placing it in the top 82.1%.
Is First Western Financial's Pretax Margin % too high?
First Western Financial's current Pretax Margin % of 29.42% is 103% above median its 10-year median of 14.48. Over the past 10 years, this metric has ranged from a low of 6.57 to a high of 34.50. The Banks industry median Pretax Margin % is 34.88. First Western Financial's value of 29.42% is 15.7% below this industry median. Based on the distribution chart, First Western Financial ranks #1254 out of 1527 companies in the Banks industry, which is in the bottom quartile 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 Pretax Margin % compare to FVCB and LRBI?
According to the Banks industry distribution chart, First Western Financial ranks #1254 out of 1527 companies for Pretax Margin %. This places First Western Financial in the lower half of its industry. The industry median Pretax Margin % is 34.88. First Western Financial's value of 29.42% is 15.7% below this benchmark. Historically, First Western Financial's own Pretax Margin % has ranged from 6.57 to 34.50 over the past decade. While the company's 10-year median is 14.48 vs. the industry median of 34.88, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.88, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Western Financial's current Pretax Margin % of 29.42% is 15.7% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on First Western Financial and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Western Financial's current Pretax Margin % is 29.42%, which is 103% above median its own 10-year median of 14.48. 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 $31.78 — trading 37.9% above its estimated fair value. The current Pretax Margin % is 29.42%, which is 103% above median its 10-year median of 14.48 and 15.7% below the Banks industry median of 34.88. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For First Western Financial (MYFW), the current Pretax Margin % is 29.42% as of Mar. 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 $31.78 is trading 37.9% above its estimated GF Value™ of $23.05.
GuruFocus considers First Western Financial to be Significantly Overvalued.
Key valuation signals for MYFW:
Pretax Margin %: 29.42% (103% above median its 10-year median of 14.48)
GF Value™: $23.05 vs. price of $31.78 (37.9% above fair value)
Industry Position: 15.7% below the Banks median (#1254 of 1527)
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.
61GF Score
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