First Western's Net Interest Margin Rises to 2.71% in Q4 2025
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 22 2026
0mins
Should l Buy MYFW?
Net interest margin increased 17 basis points from 2.54% in Q3 2025 to 2.71% in Q4 2025. Scott Wylie, CEO of First Western, commented, "We executed well in the fourth quarter and saw positive trends in many areas including loan growth, an increase in Net interest income, well managed expenses, and generally stable asset quality, which resulted in an increase in our level of profitability. We continue to see healthy economic conditions across our markets resulting in a solid amount of loan demand that meets our disciplined underwriting and pricing criteria, while adding full banking relationships by getting new deposit accounts with the loans. Our improving financial performance and continued prudent balance sheet management resulted in increases in both our book value and tangible book value per share during the fourth quarter. Our loan pipeline remains strong and we expect to see solid loan growth going forward, along with a continuation of the positive trends we are seeing in key areas, which we believe will result in another year of improved financial performance and value creation for our shareholders in 2026."
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Analyst Views on MYFW
Wall Street analysts forecast MYFW stock price to rise
2 Analyst Rating
1 Buy
1 Hold
0 Sell
Moderate Buy
Current: 25.290
Low
25.00
Averages
25.50
High
26.00
Current: 25.290
Low
25.00
Averages
25.50
High
26.00
About MYFW
First Western Financial, Inc. is a financial holding company. The Company 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. It offers services through a branded network of boutique private trust bank offices, which are located in Colorado, Arizona, Wyoming, Montana, and California. The Company’s segments consist of Wealth Management and Mortgage. Its Wealth Management segment consists of operations relating to the Company’s fully integrated wealth management products and services. Services provided include deposit, loan, insurance, and trust and investment management advisory products and services. Its Mortgage segment consists of operations relating to the Company’s residential mortgage service offerings, including soliciting, originating, and selling mortgage loans on the secondary market.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Pomerantz LLP Investigates First Western Financial for Securities Fraud
- Investigation Launched: Pomerantz LLP is investigating claims on behalf of First Western Financial, Inc. investors regarding potential securities fraud or other unlawful business practices, indicating serious concerns about corporate governance.
- Earnings Miss: On January 22, 2026, First Western reported fourth-quarter 2025 earnings of $0.34 per share, falling short of analyst expectations, which highlights potential issues in the company's performance.
- Stock Price Decline: Following the disappointing earnings report, First Western's stock price dropped by $2.40, or 8.81%, to close at $24.83 on January 23, 2026, directly impacting investor confidence.
- Legal Context: Pomerantz LLP, a prominent firm in securities class action litigation, has been fighting for the rights of victims of securities fraud for over 85 years, suggesting that this case could lead to broader legal implications.
See More
Pomerantz LLP Investigates First Western Financial for Securities Fraud
- Poor Financial Performance: First Western Financial reported Q4 2025 earnings of $0.34 per share on January 22, 2026, missing analyst expectations, indicating a decline in profitability that could undermine investor confidence.
- Significant Stock Drop: Following the disappointing earnings report, First Western's stock price fell by $2.40, or 8.81%, to close at $24.83 on January 23, 2026, reflecting market concerns about the company's future performance.
- Legal Investigation Initiated: Pomerantz LLP is investigating whether First Western and its executives engaged in securities fraud or other unlawful business practices, which could expose the company to legal risks and further impact shareholder interests.
- Investor Contact Information: Pomerantz LLP encourages affected investors to reach out via email or phone, highlighting the firm's expertise in securities class action litigation and commitment to protecting investor rights.
See More
Pomerantz LLP Investigates First Western Financial for Securities Fraud
- Poor Financial Performance: First Western Financial reported Q4 2025 earnings of $0.34 per share on January 22, 2026, missing analyst expectations, indicating a decline in profitability that could undermine investor confidence.
- Significant Stock Drop: Following the disappointing earnings report, First Western's stock price fell by $2.40, or 8.81%, to close at $24.83 per share on January 23, 2026, potentially leading to investor losses and raising questions about the company's management.
- Legal Investigation Initiated: Pomerantz LLP is investigating First Western and its executives for possible securities fraud or other unlawful business practices, which could expose the company to legal liabilities and potential damages.
- Investor Contact Information: Pomerantz LLP is encouraging affected investors to reach out, providing specific contact details, which underscores the firm's commitment to protecting investor rights and may attract more participants for the class action lawsuit.
See More
Pomerantz LLP Investigates First Western Financial for Securities Fraud
- Poor Financial Performance: First Western Financial reported Q4 2025 earnings of $0.34 per share on January 22, 2026, falling short of analyst expectations, indicating a decline in the company's profitability.
- Significant Stock Drop: Following the disappointing earnings report, First Western's stock price fell by $2.40, or 8.81%, closing at $24.83 per share on January 23, 2026, reflecting market concerns about the company's future performance.
- Legal Investigation Launched: Pomerantz LLP is investigating whether First Western and its executives engaged in securities fraud or other unlawful business practices, which could further damage the company's reputation and shareholder confidence.
- Investor Action Call: Pomerantz LLP is urging affected investors to contact their attorneys to join the class action, indicating that the company faces legal risks that may lead to additional financial losses.
See More
First Western Financial (MYFW) Reports Q4 2025 Profit Growth Driven by $59M Loan Increase
- Significant Loan Growth: First Western Financial reported a $59 million increase in loans held for investment in Q4 2025, demonstrating the company's robust loan production capabilities across diversified markets and industries, thereby enhancing overall profitability.
- Net Interest Income Increase: The company saw a 5.6% increase in net interest income from the prior quarter and a 21.7% increase from Q4 2024, with net interest margin rising to 2.71%, laying a solid foundation for future financial performance.
- Slowed Deposit Growth: Total deposits increased by $102 million, but this was a slowdown compared to $320 million in the previous quarter; management emphasized that establishing new deposit relationships will support future stability and growth.
- Expense Control: Operating expenses rose by $1.2 million due to a one-time OREO write-down, yet core expenses remained stable, with management expecting to achieve higher operating leverage through disciplined expense management.
See More
First Western Financial Q4 Earnings: GAAP EPS of $0.34 Misses by $0.09
- Disappointing Earnings: First Western Financial reported a Q4 GAAP EPS of $0.34, missing expectations by $0.09, indicating pressure on profitability that may affect investor confidence.
- Lackluster Revenue Growth: The company generated revenue of $26.7 million, a 12.2% year-over-year increase, yet fell short of expectations by $0.8 million, reflecting intensified market competition and fluctuations in customer demand.
- Stock Price Reaction: Following the earnings release, First Western Financial's shares declined by 0.99%, signaling investor dissatisfaction with the results and potentially leading to a cautious outlook on the company's future performance.
- Uncertain Future Outlook: With both earnings and revenue missing expectations, analysts may reassess their ratings and price targets for the company, increasing uncertainty regarding future performance.
See More
Pomerantz LLP Investigates First Western Financial for Securities Fraud
- Investigation Launched: Pomerantz LLP is investigating claims on behalf of First Western Financial, Inc. investors regarding potential securities fraud or other unlawful business practices, indicating serious concerns about corporate governance.
- Earnings Miss: On January 22, 2026, First Western reported fourth-quarter 2025 earnings of $0.34 per share, falling short of analyst expectations, which highlights potential issues in the company's performance.
- Stock Price Decline: Following the disappointing earnings report, First Western's stock price dropped by $2.40, or 8.81%, to close at $24.83 on January 23, 2026, directly impacting investor confidence.
- Legal Context: Pomerantz LLP, a prominent firm in securities class action litigation, has been fighting for the rights of victims of securities fraud for over 85 years, suggesting that this case could lead to broader legal implications.
See More
Pomerantz LLP Investigates First Western Financial for Securities Fraud
- Poor Financial Performance: First Western Financial reported Q4 2025 earnings of $0.34 per share on January 22, 2026, missing analyst expectations, indicating a decline in profitability that could undermine investor confidence.
- Significant Stock Drop: Following the disappointing earnings report, First Western's stock price fell by $2.40, or 8.81%, to close at $24.83 on January 23, 2026, reflecting market concerns about the company's future performance.
- Legal Investigation Initiated: Pomerantz LLP is investigating whether First Western and its executives engaged in securities fraud or other unlawful business practices, which could expose the company to legal risks and further impact shareholder interests.
- Investor Contact Information: Pomerantz LLP encourages affected investors to reach out via email or phone, highlighting the firm's expertise in securities class action litigation and commitment to protecting investor rights.
See More
Pomerantz LLP Investigates First Western Financial for Securities Fraud
- Poor Financial Performance: First Western Financial reported Q4 2025 earnings of $0.34 per share on January 22, 2026, missing analyst expectations, indicating a decline in profitability that could undermine investor confidence.
- Significant Stock Drop: Following the disappointing earnings report, First Western's stock price fell by $2.40, or 8.81%, to close at $24.83 per share on January 23, 2026, potentially leading to investor losses and raising questions about the company's management.
- Legal Investigation Initiated: Pomerantz LLP is investigating First Western and its executives for possible securities fraud or other unlawful business practices, which could expose the company to legal liabilities and potential damages.
- Investor Contact Information: Pomerantz LLP is encouraging affected investors to reach out, providing specific contact details, which underscores the firm's commitment to protecting investor rights and may attract more participants for the class action lawsuit.
See More
Pomerantz LLP Investigates First Western Financial for Securities Fraud
- Poor Financial Performance: First Western Financial reported Q4 2025 earnings of $0.34 per share on January 22, 2026, falling short of analyst expectations, indicating a decline in the company's profitability.
- Significant Stock Drop: Following the disappointing earnings report, First Western's stock price fell by $2.40, or 8.81%, closing at $24.83 per share on January 23, 2026, reflecting market concerns about the company's future performance.
- Legal Investigation Launched: Pomerantz LLP is investigating whether First Western and its executives engaged in securities fraud or other unlawful business practices, which could further damage the company's reputation and shareholder confidence.
- Investor Action Call: Pomerantz LLP is urging affected investors to contact their attorneys to join the class action, indicating that the company faces legal risks that may lead to additional financial losses.
See More
First Western Financial (MYFW) Reports Q4 2025 Profit Growth Driven by $59M Loan Increase
- Significant Loan Growth: First Western Financial reported a $59 million increase in loans held for investment in Q4 2025, demonstrating the company's robust loan production capabilities across diversified markets and industries, thereby enhancing overall profitability.
- Net Interest Income Increase: The company saw a 5.6% increase in net interest income from the prior quarter and a 21.7% increase from Q4 2024, with net interest margin rising to 2.71%, laying a solid foundation for future financial performance.
- Slowed Deposit Growth: Total deposits increased by $102 million, but this was a slowdown compared to $320 million in the previous quarter; management emphasized that establishing new deposit relationships will support future stability and growth.
- Expense Control: Operating expenses rose by $1.2 million due to a one-time OREO write-down, yet core expenses remained stable, with management expecting to achieve higher operating leverage through disciplined expense management.
See More
First Western Financial Q4 Earnings: GAAP EPS of $0.34 Misses by $0.09
- Disappointing Earnings: First Western Financial reported a Q4 GAAP EPS of $0.34, missing expectations by $0.09, indicating pressure on profitability that may affect investor confidence.
- Lackluster Revenue Growth: The company generated revenue of $26.7 million, a 12.2% year-over-year increase, yet fell short of expectations by $0.8 million, reflecting intensified market competition and fluctuations in customer demand.
- Stock Price Reaction: Following the earnings release, First Western Financial's shares declined by 0.99%, signaling investor dissatisfaction with the results and potentially leading to a cautious outlook on the company's future performance.
- Uncertain Future Outlook: With both earnings and revenue missing expectations, analysts may reassess their ratings and price targets for the company, increasing uncertainty regarding future performance.
See More
