First Western Financial, Inc. cash flow to debt ratio of -1.67% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

First Western Financial, Inc.'s free cash flow has decreased 228.34% from $-1.76M last year to $-5.77M, signaling decreasing performance

First Western Financial, Inc.'s debt to equity ratio is 0.29, which means that the company's assets are healthy financed, signaling financial stability.

First Western Financial, Inc.'s debt has decreased relative to shareholder equity from 0.43 last year to 0.29 today, signaling strengthened financials

First Western Financial, Inc. has a net cash position, so leverage is healthy.

First Western Financial, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

First Western Financial, Inc.'s profit margin has increased (99.21%) in the last year from 4.77% to 9.50%, signaling increasing performance

First Western Financial, Inc.'s short-term liabilities of $2.75B exceed its short-term assets of $261.68M, signaling financial risk

First Western Financial, Inc.'s return on assets of 0.57% is lower than the 5.00% threshold, indicating inefficient asset utilization

First Western Financial, Inc.'s return on equity of 6.82%, is lower than 15.00%, indicating bad performance

First Western Financial, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

First Western Financial, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

First Western Financial, Inc. has negative free cash flow, indicating the company is burning cash rather than generating it

First Western Financial, Inc. has negative free cash flow, indicating cash burn

First Western Financial, Inc.'s yearly earnings has increased 55.65% since last year from $8.47M to $13.19M, signaling increasing performance

First Western Financial, Inc.'s yearly revenue has increased 4.83% since last year from $177.77M to $186.35M, signaling increasing performance

ROIC -0.72% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

First Western Financial, Inc.'s 3-year revenue CAGR of 13.48% is positive, indicating growing revenue over the past 3 years

First Western Financial, Inc. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

First Western Financial, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

First Western Financial, Inc. has insufficient data to evaluate this check.

First Western Financial, Inc. has an earnings yield of 6.11%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

First Western Financial, Inc. is overvalued relative to its fair value price of 4.37 based on EBITDA multiple model

First Western Financial, Inc. has an EV/EBITDA ratio of 8.26x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

First Western Financial, Inc. is undervalued relative to its fair value price of 33.32 based on Earnings Fair Value model

First Western Financial, Inc.'s earnings growth over the measurement period is negative; the PEG ratio is not meaningful and the check fails.

First Western Financial, Inc. has a price-to-book ratio of 1.07x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

First Western Financial, Inc. has a price-to-sales ratio of 1.55x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue