MYFW (First Western Financial) 3-Year RORE % : 23.21% (As of Mar. 2026)


MYFW First Western Financial Inc MYFW
61 GF Score
Price $32.47
GF Value $23.16
Valuation Significantly Overvalued
! 6 Warning Signs
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What is First Western Financial 3-Year RORE %?

First Western Financial MYFW -1.28% 61 3-Year RORE % is 23.21 as of Mar. 2026. GuruFocus rates MYFW with a GF Score™ of 61/100 and a GF Value™ of $23.16 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,472 Banks companies, First Western Financial ranks better than 74.86% on this metric.

Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments. First Western Financial's 3-Year RORE % for the quarter that ended in Mar. 2026 was 23.21%.

The industry rank for First Western Financial's 3-Year RORE % or its related term are showing as below:

MYFW's 3-Year RORE % is ranked better than
74.86% of 1472 companies
in the Banks industry
Industry Median: 9.875 vs MYFW: 23.21

First Western Financial  (NAS:MYFW) 3-Year RORE % Explanation

Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.

There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.

Be Aware

Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.


First Western Financial 3-Year RORE % Related Terms


First Western Financial 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for First Western Financial's 3-Year RORE % 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 3-Year RORE % Chart

First Western Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
3-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 22.73 -10.87 -28.55 -34.00 14.42

First Western Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
3-Year RORE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -26.17 -15.30 -4.19 14.42 23.21

MYFW vs JMSB, FCCO, CSHX: 3-Year RORE % Comparison

For the Banks - Regional subindustry, First Western Financial's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry

For the Banks industry and Financial Services sector, First Western Financial's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where First Western Financial's 3-Year RORE % falls into.


MYFW
61GF Score
First Western Financial Inc MYFW
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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First Western Financial 3-Year RORE % Calculation

First Western Financial's 3-Year RORE % for the quarter that ended in Mar. 2026 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( 1.55-0.77 )/( 3.36-0 )
=0.78/3.36
=23.21 %

* 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of 23.21 mean?
First Western Financial (MYFW) has a 3-Year RORE % of 23.21 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on First Western Financial and its competitors. According to the industry distribution chart, First Western Financial ranks #370 out of 1472 companies in the Banks industry, placing it in the top 25.1%.
Is First Western Financial's 3-Year RORE % too high?
First Western Financial's current 3-Year RORE % is 23.21. The Banks industry median 3-Year RORE % is 9.88. First Western Financial's value of 23.21 is 135% above this industry median. Based on the distribution chart, First Western Financial ranks #370 out of 1472 companies in the Banks industry, which is above the industry midpoint. 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 3-Year RORE % compare to JMSB and FCCO?
According to the Banks industry distribution chart, First Western Financial ranks #370 out of 1472 companies for 3-Year RORE %. This puts First Western Financial in the upper half of its industry. The industry median 3-Year RORE % is 9.88. First Western Financial's value of 23.21 is 135% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.88, based on 1,472 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Western Financial's current 3-Year RORE % of 23.21 is 135% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on First Western Financial and its competitors. For the Banks industry, the median 3-Year RORE % is 9.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Western Financial's current 3-Year RORE % is 23.21. 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 $23.16, compared to a current price of $32.47 — trading 40.2% above its estimated fair value. The current 3-Year RORE % is 23.21 and 135% above the Banks industry median of 9.88. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For First Western Financial (MYFW), the current 3-Year RORE % is 23.21 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 $32.47 is trading 40.2% above its estimated GF Value™ of $23.16. GuruFocus considers First Western Financial to be Significantly Overvalued.

Key valuation signals for MYFW:

  • 3-Year RORE %: 23.21
  • GF Value™: $23.16 vs. price of $32.47 (40.2% above fair value)
  • GF Score™: 61/100 with 6 warning signs
  • Industry Position: 135% above the Banks median (#370 of 1472)

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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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$32.47
Price
$23.16
GF Value