First Western FinancialMYFW -1.35%61 Return-on-Tangible-Equity is 10.43% as of Mar. 2026, which is 66% above its 10-year median of 6.27. GuruFocus rates MYFW with a GF Scoreâ„¢ of 61/100 and a GF Valueâ„¢ of $23.12 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,523 Banks companies, First Western Financial ranks worse than 76.56% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. First Western Financial's annualized net income for the quarter that ended in Mar. 2026 was $24.8 Mil. First Western Financial's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $238.1 Mil. Therefore, First Western Financial's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 10.43%.
The historical rank and industry rank for First Western Financial's Return-on-Tangible-Equity or its related term are showing as below:
MYFW'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.49 Med: 6.27 Max: 20.56
Current: 6.57
During the past 10 years, First Western Financial's highest Return-on-Tangible-Equity was 20.56%. The lowest was 2.49%. And the median was 6.27%.
MYFW's Return-on-Tangible-Equity is ranked worse than 76.56% of 1523
companies
in the Banks industry
Industry Median: 11.19
vs MYFW: 6.57
First Western Financial (NAS:MYFW) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
First Western Financial Return-on-Tangible-Equity Related Terms
First Western Financial Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for First Western Financial's Return-on-Tangible-Equity can be seen below:
* 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 Return-on-Tangible-Equity Chart
MYFW vs JMSB, FCCO, CSHX: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, First Western Financial's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, First Western Financial's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where First Western Financial's Return-on-Tangible-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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 10.43% mean?
First Western Financial (MYFW) has a Return-on-Tangible-Equity of 10.43% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on First Western Financial and its competitors. This is 66% above median its historical median of 6.27. Over the past decade, First Western Financial's Return-on-Tangible-Equity has ranged from 2.49 to 20.56. According to the industry distribution chart, First Western Financial ranks #1166 out of 1523 companies in the Banks industry, placing it in the top 76.6%.
Is First Western Financial's Return-on-Tangible-Equity too high?
First Western Financial's current Return-on-Tangible-Equity of 10.43% is 66% above median its 10-year median of 6.27. Over the past 10 years, this metric has ranged from a low of 2.49 to a high of 20.56. The Banks industry median Return-on-Tangible-Equity is 11.19. First Western Financial's value of 10.43% is 6.8% below this industry median. Based on the distribution chart, First Western Financial ranks #1166 out of 1523 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, First Western Financial has a GF Scoreâ„¢ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Western Financial's Return-on-Tangible-Equity compare to JMSB and FCCO?
According to the Banks industry distribution chart, First Western Financial ranks #1166 out of 1523 companies for Return-on-Tangible-Equity. This places First Western Financial in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.19. First Western Financial's value of 10.43% is 6.8% below this benchmark. Historically, First Western Financial's own Return-on-Tangible-Equity has ranged from 2.49 to 20.56 over the past decade. While the company's 10-year median is 6.27 vs. the industry median of 11.19, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Western Financial's current Return-on-Tangible-Equity of 10.43% is 6.8% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on First Western Financial and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Western Financial's current Return-on-Tangible-Equity is 10.43%, which is 66% above median its own 10-year median of 6.27. 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 $23.12, compared to a current price of $32.99 — trading 42.7% above its estimated fair value. The current Return-on-Tangible-Equity is 10.43%, which is 66% above median its 10-year median of 6.27 and 6.8% below the Banks industry median of 11.19. First Western Financial's overall GF Score™ is 61/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For First Western Financial (MYFW), the current Return-on-Tangible-Equity is 10.43% 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 $32.99 is trading 42.7% above its estimated GF Value™ of $23.12.
GuruFocus considers First Western Financial to be Significantly Overvalued.
Key valuation signals for MYFW:
Return-on-Tangible-Equity: 10.43% (66% above median its 10-year median of 6.27)
GF Value™: $23.12 vs. price of $32.99 (42.7% above fair value)
Industry Position: 6.8% below the Banks median (#1166 of 1523)
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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