MYFW on Nasdaq
First Western Financial Inc
In its 2026 annual report the company says: “First Western Financial, Inc. is a financial holding company headquartered in Denver, Colorado. We provide a fully integrated suite of wealth management services on our private trust bank platform, which includes a comprehensive selection of deposit, loan, trust, wealth planning and investment management products and services.”5 Its shares trade on Nasdaq under the symbol MYFW.2
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Last updated Oct 20, 2026.
Overview
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- TickerMYFW on Nasdaq2
- IndustryState Commercial Banks2
- HeadquartersDenver, United States2
- Incorporated inCO3
- Business address1900 Sixteenth St, #1200, Denver, Co 802023
- Filer categoryAccelerated filer, Smaller reporting company3
- Legal formCorporation2
- LEI549300PPOGX4C7S66B472
- StatusActive2
- LEI statusLapsed (not renewed)2
- Registered addressC/O C T Corporation System, 80112 Centennial, United States2
- Registered withBusiness Division of the Secretary of State’s office, 200211958862
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First Western Financial, Inc. is a financial holding company headquartered in Denver, Colorado. We provide a fully integrated suite of wealth management services on our private trust bank platform, which includes a comprehensive selection of deposit, loan, trust, wealth planning and investment management products and services. We believe our integrated business model distinguishes us from other banks and non-bank financial services companies in the markets in which we operate. As of December 31, 2025, we provided fiduciary and advisory services on $7.28 billion of trust and investment management assets (AUM), and we had total assets of $3.15 billion, total loans excluding mortgage loans held for sale of $2.65 billion, total deposits of $2.75 billion, and total shareholders’ equity of $265.6 million.5 From its latest annual report
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2025
What sells
Revenue by product, business segment and region, as the company reports it to the SEC.
Business segments
Wealth Management brought in 94% of the revenue First Western Financial Inc broke down this way in fiscal 2025.
Business segments by year
| Business segments | 2024 | 2025 |
|---|---|---|
| Wealth Management | $84.0M | $91.0M |
| Mortgage | $6.0M | $5.9M |
Where the money goes
Where each dollar of revenue went, fiscal 2025
- Other costs82¢$79.8M
- Income tax4¢$3.9M
- Profit14¢$13.2M
Out of $96.9M in revenue.6
Financial statements
Every line of the income statement as filed: the last 2 fiscal years, latest first.6
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Loans, including fees | $145.4M | $140.0M |
| Loans accounted for under the fair value option | $311.0K | $636.0K |
| Investment securities | $4.5M | $2.7M |
| Interest-bearing deposits in other financial institutions | $9.0M | $8.9M |
| Dividends, restricted stock | $576.0K | $463.0K |
| Total interest and dividend income | $159.8M | $152.7M |
| Deposits | $79.5M | $82.5M |
| Other borrowed funds | $5.0M | $5.8M |
| Total interest expense | $84.4M | $88.3M |
| Net interest income | $75.4M | $64.3M |
| Less: Provision for credit losses | $5.0M | $1.9M |
| Net interest income, after provision for credit losses | $70.3M | $62.4M |
| Trust and investment management fees | $18.5M | $19.2M |
| Net gain on mortgage loans | $4.4M | $4.9M |
| Net gain (loss) on loans held for sale | $222.0K | -$105.0K |
| Bank fees | $1.3M | $2.0M |
| Risk management and insurance fees | $551.0K | $1.7M |
| Income on company-owned life insurance | $455.0K | $431.0K |
| Net gain (loss) on loans accounted for under the fair value option | $6.0K | -$999.0K |
| Net gain on other real estate owned | $459.0K | $0 |
| Unrealized gain (loss) recognized on equity securities | $14.0K | -$33.0K |
| Other | $624.0K | $581.0K |
| Total non-interest income | $26.6M | $27.7M |
| Total income before non-interest expense | $96.9M | $90.1M |
| Salaries and employee benefits | $46.1M | $45.0M |
| Occupancy and equipment | $8.2M | $8.3M |
| Professional services | $7.7M | $8.0M |
| Technology and information systems | $4.3M | $4.2M |
| Data processing | $4.8M | $4.2M |
| Marketing | $1.2M | $1.2M |
| Amortization of other intangible assets | $206.0K | $226.0K |
| Other | $7.3M | $7.4M |
| Total non-interest expense | $79.8M | $78.5M |
| Income before income taxes | $17.1M | $11.6M |
| Income tax expense | $3.9M | $3.1M |
| Net income | $13.2M | $8.5M |
| Basic (in dollars per share) | $1.36 | $0.88 |
| Diluted (in dollars per share) | $1.34 | $0.87 |
No quarter-by-quarter statement was filed.
Every line of the balance sheet as filed: the last 3 fiscal years (annual) or 3 quarters (quarterly), latest first.6
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and due from banks | $9.8M | $9.8M | |
| Interest-bearing deposits in other financial institutions | $190.5M | $228.2M | |
| Total cash and cash equivalents | $200.3M | $237.9M | $255.2M |
| Available-for-sale debt securities, at fair value (amortized cost of $45,623 and $0, respectively) | $45.6M | $0 | |
| Held-to-maturity debt securities, net of allowance for credit losses of $74 and $71 (fair value of $90,635 and $68,161), respectively | $95.0M | $75.7M | |
| Correspondent bank stock, at cost | $6.8M | $5.9M | |
| Mortgage loans held for sale, at fair value | $40.2M | $25.5M | |
| Loans held for sale, at fair value | $0 | $251.0K | |
| Loans (includes $3,182 and $7,283 measured at fair value, respectively) | $2.7B | $2.4B | |
| Allowance for credit losses | -$21.4M | -$18.3M | -$23.9M |
| Loans, net | $2.6B | $2.4B | |
| Premises and equipment, net | $25.7M | $24.1M | |
| Accrued interest receivable | $11.2M | $10.4M | |
| Accounts receivable | $4.6M | $4.8M | |
| Other receivables | $2.4M | $5.7M | |
| Other real estate owned, net | $3.0M | $35.9M | |
| Goodwill and other intangible assets, net | $31.4M | $31.6M | |
| Deferred tax assets, net | $4.0M | $3.1M | |
| Company-owned life insurance | $17.4M | $17.0M | |
| Other assets | $38.4M | $34.0M | |
| Total assets | $3.2B | $2.9B | |
| Noninterest-bearing | $345.0M | $375.6M | |
| Interest-bearing | $2.4B | $2.1B | |
| Total deposits | $2.7B | $2.5B | |
| Federal Home Loan Bank and Federal Reserve borrowings | $62.8M | $57.0M | |
| Subordinated notes | $44.8M | $52.6M | |
| Accrued interest payable | $1.3M | $2.0M | |
| Other liabilities | $33.9M | $40.9M | |
| Total liabilities | $2.9B | $2.7B | |
| Preferred stock - no par value; 10,000,000 shares authorized; 0 issued and outstanding | $0 | $0 | |
| Common stock - no par value; 90,000,000 shares authorized; 9,725,731 and 9,667,142 shares issued and outstanding as of December 31, 2025 and 2024, respectively | $0 | $0 | |
| Additional paid-in capital | $194.2M | $193.6M | |
| Retained earnings | $72.7M | $59.5M | |
| Accumulated other comprehensive loss | -$1.3M | -$778.0K | |
| Total shareholders equity | $265.6M | $252.3M | $242.7M |
| Total liabilities and shareholders equity | $3.2B | $2.9B | |
| Available-for-sale debt securities, amortized cost | $45.6M | $0 | |
| Held-to-maturity debt securities, allowance for credit losses | $74.0K | $71.0K | |
| Held-to-maturity debt securities, fair value | $90.6M | $68.2M | |
| Loans accounted for under the fair value option | $3.2M | $7.3M | |
| Preferred stock, shares authorized (in shares) | 10.0M shares | 10.0M shares | |
| Preferred stock, shares issued (in shares) | 0 shares | 0 shares | |
| Preferred stock, shares outstanding (in shares) | 0 shares | 0 shares | |
| Common stock, shares authorized (in shares) | 90.0M shares | 90.0M shares | |
| Common stock, shares issued (in shares) | 9.7M shares | 9.7M shares | |
| Common stock, shares outstanding (in shares) | 9.7M shares | 9.7M shares |
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and due from banks | $9.8M | $9.8M | |
| Interest-bearing deposits in other financial institutions | $190.5M | $228.2M | |
| Total cash and cash equivalents | $200.3M | $237.9M | $255.2M |
| Available-for-sale debt securities, at fair value (amortized cost of $45,623 and $0, respectively) | $45.6M | $0 | |
| Held-to-maturity debt securities, net of allowance for credit losses of $74 and $71 (fair value of $90,635 and $68,161), respectively | $95.0M | $75.7M | |
| Correspondent bank stock, at cost | $6.8M | $5.9M | |
| Mortgage loans held for sale, at fair value | $40.2M | $25.5M | |
| Loans held for sale, at fair value | $0 | $251.0K | |
| Loans (includes $3,182 and $7,283 measured at fair value, respectively) | $2.7B | $2.4B | |
| Allowance for credit losses | -$21.4M | -$18.3M | -$23.9M |
| Loans, net | $2.6B | $2.4B | |
| Premises and equipment, net | $25.7M | $24.1M | |
| Accrued interest receivable | $11.2M | $10.4M | |
| Accounts receivable | $4.6M | $4.8M | |
| Other receivables | $2.4M | $5.7M | |
| Other real estate owned, net | $3.0M | $35.9M | |
| Goodwill and other intangible assets, net | $31.4M | $31.6M | |
| Deferred tax assets, net | $4.0M | $3.1M | |
| Company-owned life insurance | $17.4M | $17.0M | |
| Other assets | $38.4M | $34.0M | |
| Total assets | $3.2B | $2.9B | |
| Noninterest-bearing | $345.0M | $375.6M | |
| Interest-bearing | $2.4B | $2.1B | |
| Total deposits | $2.7B | $2.5B | |
| Federal Home Loan Bank and Federal Reserve borrowings | $62.8M | $57.0M | |
| Subordinated notes | $44.8M | $52.6M | |
| Accrued interest payable | $1.3M | $2.0M | |
| Other liabilities | $33.9M | $40.9M | |
| Total liabilities | $2.9B | $2.7B | |
| Preferred stock - no par value; 10,000,000 shares authorized; 0 issued and outstanding | $0 | $0 | |
| Common stock - no par value; 90,000,000 shares authorized; 9,725,731 and 9,667,142 shares issued and outstanding as of December 31, 2025 and 2024, respectively | $0 | $0 | |
| Additional paid-in capital | $194.2M | $193.6M | |
| Retained earnings | $72.7M | $59.5M | |
| Accumulated other comprehensive loss | -$1.3M | -$778.0K | |
| Total shareholders equity | $265.6M | $252.3M | $242.7M |
| Total liabilities and shareholders equity | $3.2B | $2.9B | |
| Available-for-sale debt securities, amortized cost | $45.6M | $0 | |
| Held-to-maturity debt securities, allowance for credit losses | $74.0K | $71.0K | |
| Held-to-maturity debt securities, fair value | $90.6M | $68.2M | |
| Loans accounted for under the fair value option | $3.2M | $7.3M | |
| Preferred stock, shares authorized (in shares) | 10.0M shares | 10.0M shares | |
| Preferred stock, shares issued (in shares) | 0 shares | 0 shares | |
| Preferred stock, shares outstanding (in shares) | 0 shares | 0 shares | |
| Common stock, shares authorized (in shares) | 90.0M shares | 90.0M shares | |
| Common stock, shares issued (in shares) | 9.7M shares | 9.7M shares | |
| Common stock, shares outstanding (in shares) | 9.7M shares | 9.7M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 2 fiscal years, latest first.6
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Net income | $13.2M | $8.5M |
| Net amortization of investment securities | $15.0K | -$75.0K |
| Stock dividends received on correspondent bank stock | -$576.0K | -$463.0K |
| Provision for credit losses | $5.0M | $1.9M |
| Net (gain) loss on loans held for sale | -$222.0K | $105.0K |
| Net gain on mortgage loans | -$4.4M | -$4.9M |
| Origination of mortgage loans held for sale | -$378.7M | -$383.3M |
| Proceeds from mortgage loans | $367.6M | $369.6M |
| Loss on disposal of fixed assets | $43.0K | $0 |
| Depreciation and amortization | $2.6M | $2.6M |
| Net amortization of purchase accounting adjustments | $621.0K | $138.0K |
| Deferred income tax (benefit) expense | -$770.0K | $3.1M |
| Purchase of solar tax credits | -$1.2M | $0 |
| Income on company-owned life insurance | -$455.0K | -$431.0K |
| Stock-based compensation | $2.2M | $1.5M |
| Provision for other real estate owned | $1.3M | $1.1M |
| Net gain on other real estate owned | -$459.0K | $0 |
| Unrealized (gain) loss recognized on equity securities | -$14.0K | $33.0K |
| Net (gain) loss on loans accounted for under the fair value option | -$6.0K | $999.0K |
| Change in accounts receivable | -$18.0K | $550.0K |
| Change in accrued interest receivable and other assets | $1.7M | $480.0K |
| Change in accrued interest payable and other liabilities | -$9.4M | -$827.0K |
| Net cash (used in) provided by operating activities | -$1.8M | $606.0K |
| Maturities, prepayments, and calls | $4.4M | $0 |
| Purchases | -$49.9M | $0 |
| Maturities, prepayments, and calls | $13.4M | $8.7M |
| Purchases | -$32.4M | -$9.8M |
| Purchases of correspondent bank stock | -$5.6M | -$6.9M |
| Redemption of correspondent bank stock | $5.3M | $8.6M |
| Contributions to low-income housing tax credit investments | -$1.7M | -$803.0K |
| Loan and note receivable originations and principal collections, net | -$218.0M | $85.4M |
| Purchases of premises and equipment | -$4.0M | -$1.2M |
| Proceeds from sale of loans | $0 | $5.6M |
| Purchase of loans | -$7.8M | -$23.3M |
| Proceeds from sale of other real estate owned | $32.0M | $0 |
| Net cash (used in) provided by investing activities | -$264.4M | $66.4M |
| Net change in deposits | $232.4M | -$14.8M |
| Payments to Federal Home Loan Bank borrowings | -$179.7M | -$276.2M |
| Proceeds from Federal Home Loan Bank borrowings | $187.1M | $240.0M |
| Payments to Federal Reserve borrowings | -$1.5M | -$42.5M |
| Proceeds from Federal Reserve borrowings | $0 | $10.0M |
| Payments to subordinated note holders | -$8.0M | $0 |
| Repurchase of common stock | -$784.0K | -$89.0K |
| Cash paid for withholding taxes on exercised stock options | -$6.0K | $0 |
| Cash paid for withholding taxes on share-based awards | -$802.0K | -$706.0K |
| Net cash provided by (used in) financing activities | $228.6M | -$84.3M |
| Net change in cash and cash equivalents | -$37.7M | -$17.3M |
| Interest paid on deposits and borrowed funds | $85.1M | $90.1M |
| Income tax payment | $0 | $93.0K |
| Cash paid for lease liabilities | $3.1M | $3.6M |
| Transfer (to) from loans held for investment (from) to loans held for sale | -$594.0K | $5.8M |
| Lease right-of-use-asset obtained in exchange for lease liabilities | $4.2M | $12.6M |
| Transfers from loans, net of participations, to other real estate owned | $0 | $27.4M |
No quarter-by-quarter statement was filed.
Corporate structure
First Western Financial Inc sits at the top of its group. 2 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.
Major holders of First Western Financial Inc
- Wellington Management Company Filed SCHEDULE 13G/A on First Western Financial Inc, latest Aug 13, 2026 (3 filings since May 15, 2026)
- BANC FUNDS CO LLC Filed SCHEDULE 13G/A on First Western Financial Inc, latest Feb 17, 2026 (5 filings since Feb 8, 2022)
- North Reef Capital Management LP Filed SCHEDULE 13G/A on First Western Financial Inc, latest Feb 17, 2026 (2 filings since Aug 14, 2025)
- BASSWOOD CAPITAL MANAGEMENT, L.L.C. Filed SC 13G/A on First Western Financial Inc, latest Feb 10, 2023 (2 filings since Feb 14, 2022)
- KENNEDY CAPITAL MANAGEMENT LLC Filed SC 13G/A on First Western Financial Inc, latest Feb 14, 2022
- Elizabeth Park Capital Advisors, Ltd. Filed SC 13G/A on First Western Financial Inc, latest Feb 11, 2022
- Scott C. Wylie Filed SC 13G/A on First Western Financial Inc, latest Feb 11, 2022
- First Western Financial Inc Denver, Colorado, United States
- First Western Trust Bank Subsidiary · Colorado, United States
Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.
What it owns
What First Western Financial Inc reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.
Property and equipment
| Item | Latest | A year before | Change |
|---|---|---|---|
| Property and equipment, before depreciation | $42.5M6 Dec 31, 2025 | $38.9M6 Dec 31, 2024 | +9.1% |
| Accumulated depreciation | $16.8M6 Dec 31, 2025 | $14.8M6 Dec 31, 2024 | +13.3% |
| Property and equipment, net | $25.7M6 Dec 31, 2025 | $24.1M6 Dec 31, 2024 | +6.5% |
| Operating-lease assets (leased space) | $20.5M6 Dec 31, 2025 | $19.2M6 Dec 31, 2024 | +6.9% |
Investments
| Item | Latest | A year before | Change |
|---|---|---|---|
| Debt securities held to maturity | $75.8M11 Dec 31, 2024 | $74.2M11 Dec 31, 2023 | +2.2% |
| Loans, net of allowance | $2.6B6 Dec 31, 2025 | $2.4B6 Dec 31, 2024 | +9.2% |
| Deposits held (banks) | $2.7B6 Dec 31, 2025 | $2.5B6 Dec 31, 2024 | +9.2% |
Intangibles and goodwill
| Item | Latest | A year before | Change |
|---|---|---|---|
| Goodwill | $30.4M6 Dec 31, 2025 | $30.4M6 Dec 31, 2024 | 0% |
| Finite-lived intangibles, gross | $5.3M6 Dec 31, 2025 | $5.3M6 Dec 31, 2024 | 0% |
| Accumulated amortization | $4.2M6 Dec 31, 2025 | $4.0M6 Dec 31, 2024 | +5.1% |
| Finite-lived intangibles, net | $1.0M6 Dec 31, 2025 | $1.2M6 Dec 31, 2024 | −16.7% |
Properties, in its own words
Our corporate headquarters is located at 1900 16th Street, Suite 1200, Denver, Colorado 80202. Including our corporate headquarters, the Bank operates nineteen profit centers, which consists of fourteen boutique private trust bank offices with two locations in Arizona, eight locations in Colorado, three locations in Wyoming, and one location in Montana; four loan production offices with three Colorado locations in Ft. Collins, Greenwood Village, and Loveland, in addition to a location in Cheyenne, Wyoming; and one trust office located in in Century City, California. We own our Wyoming locations in Jackson Hole, Pinedale, and Rock Springs, while all remaining locations are leased. We believe that our facilities are suitable and adequate to meet our present needs. The chart below describes our locations, which we believe are strategically located in affluent and high-growth markets in nineteen locations (listed below) across Colorado, Arizona, Wyoming, Montana, and California:
Colorado · Arizona · Wyoming · Montana · California
The rest of Item 2
Downtown Denver(1) · Phoenix · Jackson Hole · Bozeman · Century City(3)
Aspen · Scottsdale · Pinedale
Boulder · Rock Springs
Cherry Creek · Cheyenne(2)
Denver Tech Center / Cherry Hills
Ft. Collins(2)
Greenwood Village(2)
Northern Colorado
Vail Valley
Broomfield
Loveland(2)
(1)Headquarters and co-location of profit center, product groups and support centers
(2)Loan production office
(3)Trust office
Item 2 of the 10-K filed Feb 27, 2026.5
Leadership
Who has led First Western Financial Inc, and when. Pick a name to see everywhere that person has worked.
Chief executive
Chief financial officer
Chief operating officer
- Chief executive officerScott C. Wylie Jul 18, 2018 to now14
- ChairScott C. Wylie Jul 18, 2018 to now14
- PresidentGary B. Lutz Jul 18, 2018 to Jul 18, 201815
- PresidentJosh M. Wilson Jul 18, 2018 to May 3, 201916
- PresidentScott C. Wylie Jul 18, 2018 to now14
- Chief financial officerDavid R. Weber Oct 10, 2023 to now17
- Chief financial officerJulie A. Courkamp Jul 18, 2018 to Nov 22, 202218
- Chief operating officerJulie A. Courkamp May 3, 2023 to now19
Board members and other officers (15)
- Chief Risk OfficerEric E. Ensmann Jun 10, 2024 to now20
- Chief Marketing OfficerAimee N. Meester Aug 16, 2024 to Aug 16, 202421
- Chief Banking OfficerMatthew C. Cassell Feb 10, 2023 to now22
- Principal Accounting OfficerJesica J. Montgomery Oct 10, 2023 to May 7, 202423
- Chief Human Capital OfficerCammie A. Redpath Jan 16, 2019 to Feb 5, 201924
- Regional Pres., Ariz./Calif.Daniel C. Thompson Jul 18, 2018 to May 3, 201925
- Chief Credit OfficerScott J. Lawley Jul 18, 2018 to May 7, 202426
- Board memberEllen S. Robinson Jun 12, 2024 to now27
- Board memberJulie A. Courkamp Feb 10, 2021 to now28
- Board memberDavid R. Duncan Jul 18, 2018 to now29
- Board memberEric D. Sipf Jul 18, 2018 to Aug 3, 202330
- Board memberJulie A. Caponi Jul 18, 2018 to now31
- Board memberLuke A. Latimer Jul 18, 2018 to now32
- Board memberPatrick H. Hamill Jul 18, 2018 to now33
- Board memberThomas A. Gart Jul 18, 2018 to now34
Named in SEC Form D filings
People the company listed in its private-offering notices.
Subsidiaries and ownership
Subsidiaries (Exhibit 21)
- First Western Trust Bank Colorado, U.S.A4
The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.
Timeline
- Jul 24, 20268-K Regulation FD disclosure36
- Jul 23, 20268-K Results of operations; Regulation FD disclosure37
- Jun 5, 20268-K Shareholder vote38
- Jun 2, 20268-K Regulation FD disclosure39
- May 4, 20268-K Other events40
- May 1, 20268-K Regulation FD disclosure41
- Apr 23, 20268-K Results of operations; Regulation FD disclosure42
- Feb 24, 20268-K Regulation FD disclosure43
- Jan 22, 20268-K Results of operations; Regulation FD disclosure44
- Nov 4, 20258-K Regulation FD disclosure45
- Oct 23, 20258-K Results of operations; Regulation FD disclosure46
- Jul 25, 20258-K Regulation FD disclosure47
- Jul 18, 2018New chief executive Scott C. Wylie becomes CEO14
- Jul 18, 2002Founded First Western Financial Inc is founded2
Calendar
Coming up
- Oct 22, 2026 · After the closeReports results for the quarter ending Sep/2026 A year earlier it reported $0.32 a share, on Oct 23, 2025.48
When it reported results
- Jul 23, 2026Reported quarterly or annual results37
- Apr 23, 2026Reported quarterly or annual results42
- Jan 22, 2026Reported quarterly or annual results44
- Oct 23, 2025Reported quarterly or annual results46
- Jul 24, 2025Reported quarterly or annual results49
- Apr 24, 2025Reported quarterly or annual results50
- Jan 23, 2025Reported quarterly or annual results51
- Oct 24, 2024Reported quarterly or annual results52
Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar
Filings
299 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 68 major events, 171 insider forms, 18 large holders, 1 private raises, 21 other. The latest 20:
- Sep 2, 20264 EDGAR
- Aug 13, 2026SCHEDULE 13G/A EDGAR
- Aug 6, 2026SCHEDULE 13G/A EDGAR
- Jul 31, 202610-Q EDGAR
- Jul 24, 20268-K EDGAR
- Jul 23, 20268-K EDGAR
- Jun 5, 20264 EDGAR
- Jun 5, 20264 EDGAR
- Jun 5, 20264 EDGAR
- Jun 5, 20264 EDGAR
- Jun 5, 20264 EDGAR
- Jun 5, 20264 EDGAR
- Jun 5, 20264 EDGAR
- Jun 5, 20264 EDGAR
- Jun 5, 20264 EDGAR
- Jun 5, 20268-K EDGAR
- Jun 2, 20268-K EDGAR
- May 26, 20264 EDGAR
- May 22, 20264 EDGAR
- May 20, 2026144 EDGAR
The 299 filings since October 2021 can be filtered by form type and year here when JavaScript is on.
Every filing from the last five years, summarized. The full record is on SEC EDGAR.
Insider trades
64 open-market trades by officers, directors and large owners since October 2021: 4 buys and 60 sales. Grants, option exercises and gifts are left out.
| Date | Who | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Aug 31, 2026 | Wylie Scott CCHAIRMAN, CEO AND PRESIDENT | Sale | 10,000 | $30.55 | $305.5K | Form 4 |
| May 22, 2026 | Wylie Scott CCHAIRMAN, CEO AND PRESIDENT | Sale | 6,417 | $28.31 | $181.7K | Form 4 |
| May 20, 2026 | Wylie Scott CCHAIRMAN, CEO AND PRESIDENT | Sale | 1,083 | $28.52 | $30.9K | Form 4 |
| May 5, 2026 | Wylie Scott CCHAIRMAN, CEO AND PRESIDENT | Sale | 7,500 | $28.70 | $215.2K | Form 4 |
| Feb 4, 2026 | Mitchell Scott CDirector | Sale | 915 | $26.00 | $23.8K | Form 4 |
| Feb 3, 2026 | Duncan David RDirector | Sale | 8,626 | $25.56 | $220.5K | Form 4 |
| Jan 28, 2026 | Duncan David RDirector | Sale | 3,668 | $24.95 | $91.5K | Form 4 |
| Jan 27, 2026 | Duncan David RDirector | Sale | 4,406 | $25.11 | $110.7K | Form 4 |
| Jan 26, 2026 | Mitchell Scott CDirector | Sale | 3,178 | $23.96 | $76.1K | Form 4 |
| Dec 16, 2025 | Latimer Luke ADirector | Sale | 1,646 | $25.78 | $42.4K | Form 4 |
| Dec 12, 2025 | Wylie Scott CCHAIRMAN, CEO AND PRESIDENT | Sale | 16,171 | $25.72 | $415.9K | Form 4 |
| Dec 11, 2025 | Smith Mark LDirector | Sale | 1,646 | $25.79 | $42.5K | Form 4 |
| Dec 10, 2025 | Courkamp Julie ACHIEF OPERATING OFFICER | Sale | 2,933 | $25.82 | $75.7K | Form 4 |
| Nov 25, 2025 | Wylie Scott CCHAIRMAN, CEO AND PRESIDENT | Sale | 5,000 | $23.55 | $117.8K | Form 4 |
| Sep 11, 2025 | Wylie Scott CCHAIRMAN, CEO AND PRESIDENT | Sale | 5,000 | $23.59 | $118.0K | Form 4 |
| Jun 9, 2025 | Wylie Scott CCHAIRMAN, CEO AND PRESIDENT | Sale | 3,047 | $21.00 | $64.0K | Form 4 |
| Jun 6, 2025 | Wylie Scott CCHAIRMAN, CEO AND PRESIDENT | Sale | 1,953 | $21.00 | $41.0K | Form 4 |
| May 9, 2025 | Wylie Scott CCHAIRMAN, CEO AND PRESIDENT | Sale | 5,000 | $21.53 | $107.7K | Form 4 |
| Nov 7, 2024 | Duncan David RDirector | Sale | 4,380 | $20.20 | $88.5K | Form 4 |
| Oct 30, 2024 | Duncan David RDirector | Sale | 8,600 | $19.03 | $163.7K | Form 4 |
All 64 trades can be filtered by person here when JavaScript is on.
From Forms 4 filed with the SEC.
Major holders
Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.
- Wellington Management CompanySCHEDULE 13G/A, 3 filings May 15, 2026 to Aug 13, 202653
- BANC FUNDS CO LLCSCHEDULE 13G/A, 5 filings Feb 8, 2022 to Feb 17, 202654
- North Reef Capital Management LPSCHEDULE 13G/A, 2 filings Aug 14, 2025 to Feb 17, 202655
- BASSWOOD CAPITAL MANAGEMENT, L.L.C.SC 13G/A, 2 filings Feb 14, 2022 to Feb 10, 202356
- KENNEDY CAPITAL MANAGEMENT LLCSC 13G/A, 1 filing Feb 14, 202257
- Elizabeth Park Capital Advisors, Ltd.SC 13G/A, 1 filing Feb 11, 202258
- Scott C. WylieSC 13G/A, 1 filing Feb 11, 202259
Executive pay
What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.
| Year | Executive | Age | Salary | Total pay |
|---|---|---|---|---|
| 2025 | Scott C. Wylie | $623.7K | $2.6M60 | |
| 2025 | Julie A. Courkamp | $379.2K | $1.1M60 | |
| 2025 | Matthew Cassell | $328.2K | $508.0K60 | |
| 2024 | ChairmanChief Executive Officer, and President of First Western Financial, Inc. | $605.2K | $1.3M60 | |
| 2024 | DirectorChief Operating Officer, and President of First Western Trust Bank | $368.4K | $713.4K60 | |
| 2024 | Chief Revenue Officer | $306.8K | $436.9K60 |
Money raised
Private offerings the company reported to the SEC on Form D.
- Dec 5, 2022Raised $20 million in a private offering of debt Form D: 7 investors so far Form D
Held by these funds
The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.
13F reports cover disclosed long positions in U.S. stocks only.
SEC filer profile
How First Western Financial Inc is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.
- Name on EDGARFirst Western Financial Inc1
- CIK0001327607
- Employer ID (EIN)37-14422665
- Filer statusAccelerated filer not an emerging growth company; a smaller reporting company; not a shell company5
- Incorporated inColorado5
- Industry code (SIC)6022 State Commercial Banks1
- SEC reviewing officeOffice of Finance, Division of Corporation Finance1
- Business address1900 Sixteenth St, #1200, Denver, CO 802021
- Phone303-531-81001
- Shares outstanding9,765,129 as of Jul 29, 202613
- Public float$176.4M as of Jun 30, 20255
- AuditorCrowe LLP, Denver, Colorado PCAOB ID 173; it also attests to the company’s internal control over financial reporting5
- On EDGAR sinceMay 16, 20051
- Filings520 in all: 4 (239), 8-K (120), 10-Q (25), 3 (24), SC 13G/A (19), D (11), 10-K (8), DEF 14A (8)1
All 37 form types
SC 13G (8), CORRESP (6), REGDEX (5), 4/A (4), SCHEDULE 13G/A (4), UPLOAD (4), 425 (3), ARS (3), EFFECT (3), 144 (2), 8-K/A (2), REGDEX/A (2), S-1/A (2), S-8 (2), SCHEDULE 13G (2), 3/A (1), 424B4 (1), 8-A12B (1), CERT (1), DEFA14A (1), DRS (1), DRS/A (1), DRSLTR (1), FWP (1), S-1 (1), S-1MEF (1), S-3 (1), S-4 (1), S-4/A (1)
- Latest filingsAnnual report (10-K) Feb 27, 2026
Quarterly report (10-Q) Jul 31, 2026
Proxy statement (DEF 14A) Apr 24, 2026
Latest 8-K (8-K) Jul 24, 2026
Securities registered for trading
| Class | Symbol | Exchange |
|---|---|---|
| Common Stock, no par value | MYFW | The Nasdaq Stock Market LLC |
From the cover page of the 10-K filed Feb 27, 2026 (Section 12(b) of the Exchange Act).5
Risk factors and legal proceedings
The risks First Western Financial Inc names in Item 1A of its 10-K filed Feb 27, 2026: 51 risks under these headings, as written.5
- Risks Related to Our Business
- Risks Related to Our Regulatory Environment
- Risks Related to Ownership of our Common Stock
- Our banking, trust and wealth advisory operations are geographically concentrated in Colorado, Arizona, Wyoming Montana, and California, leading to significant exposure to those markets.
- Because a significant portion of our loan portfolio is comprised of real estate loans, negative changes in the economy affecting real estate values and liquidity could impair the value of collateral securing our real estate loans and result in loan and other losses.
- Changes in interest rates could reduce our net interest margins and net interest income.
- If we are unable to continue to originate residential real estate loans and sell them into the secondary market for a profit, our earnings could decrease.
- Our loan portfolio includes a significant number of commercial loans, which involve risks specific to commercial borrowers.
- The occurrence of fraudulent activity, breaches of our information security, and cybersecurity attacks could adversely affect our ability to conduct our business, manage our exposure to risk or expand our businesses, result in the disclosure or misuse of confidential or proprietary information, increase our costs to maintain and update our operational and security systems and infrastructure, and adversely impact our results of operations, liquidity and financial condition, as well as cause legal or reputational harm.
- We rely on communications, information, operating and financial control systems technology and related services from third-party service providers, including reliance on cloud-based vendors, and we may suffer an interruption in those systems.
- We may be subject to claims and litigation pertaining to our fiduciary responsibilities.
- Negative developments affecting the banking industry and resulting media coverage have eroded customer confidence in the banking system.
The other 42 risks
- We may be adversely affected by the soundness of certain securities brokerage firms.
- The investment management contracts we have with our clients are terminable without cause and on relatively short notice by our clients, which makes us vulnerable to short-term declines in the performance of the securities under our management.
- Fee revenue represents a significant portion of our consolidated revenue and is subject to decline, among other things, in the event of a reduction in, or changes to, the level or type of investment activity by our clients.
- The trust wealth management fees we receive may decrease as a result of poor investment performance, in either relative or absolute terms, which could decrease our revenues and net earnings.
- Our allowance for credit losses may not be adequate to cover actual losses.
- Increased credit risk, including as a result of deterioration in economic conditions, could require us to increase our allowance for credit losses and could have a material adverse effect on our results of operations and financial condition.
- Our business and operations may be adversely affected in numerous and complex ways by external business disruptors in the financial services industry.
- The development and use of AI presents risks and challenges that may adversely impact the Company’s business.
- Liquidity risk could adversely affect our ability to fund operations and hurt our financial condition.
- We may not be able to maintain a strong core deposit base or other low-cost funding sources.
- We receive substantial deposits and assets under management as a result of referrals by professionals, such as attorneys, accountants, and doctors, and such referrals are dependent upon the continued positive interaction with and financial health of those referral sources.
- Our largest trust client accounts for 36.8% of our total assets under management and 4.6% of our total Trust and investment management fees.
- The success of our business depends on achieving our strategic objectives, including through acquisitions which may not increase our profitability and may adversely affect our future operating results.
- We face intense competition from other banks and financial institutions and other wealth and investment management firms that could hurt our business.
- We may not be successful in implementing our internal growth strategy or be able to manage the risks associated with our anticipated growth through opening new boutique private trust bank offices, which could have a material adverse effect on our business, financial condition and results of operations.
- We may be required to recognize a significant charge to earnings if our goodwill or other intangible assets become impaired, which could have a material adverse effect on our financial condition and results of operations.
- We are required to make significant estimates and assumptions in the preparation of our financial statements and our estimates and assumptions may not be accurate.
- Our ability to attract and retain clients and key associates could be adversely affected if our reputation is harmed.
- We may incur significant losses due to ineffective risk management processes and strategies.
- New lines of business or new products and services may subject us to additional risks.
- We rely on customer and counterparty information, which subjects us to risks if that information is not accurate or is incomplete.
- Severe weather, natural disasters, acts of war or terrorism, pandemics, and other adverse external events could significantly impact our business and customers.
- Unstable global economic conditions may have serious adverse consequences on our business, financial condition, and operations.
- The financial services industry is highly regulated, and legislative or regulatory actions taken now or in the future may have a significant adverse effect on our operations.
- Federal and state banking agencies periodically conduct examinations of our business, including compliance with laws and regulations, and our failure to comply with any supervisory actions which we are, or may become, subject to as a result of such examinations may adversely affect us.
- We are subject to stringent capital requirements.
- The level of our commercial real estate loan portfolio may subject us to heightened regulatory scrutiny.
- We are subject to numerous laws designed to protect consumers, including the Community Reinvestment Act and fair lending laws, and failure to comply with these laws could lead to a wide variety of sanctions.
- We face a risk of noncompliance and enforcement action with Anti-Money Laundering and Combating the Financing of Terrorism (AML/CFT) laws and regulations.
- Regulations relating to privacy, information security and data protection could increase our costs, affect or limit how we collect and use personal information and adversely affect our business opportunities.
- We can be subject to legal and regulatory proceedings, investigations and inquiries related to conduct risk.
- The trading volume in our common stock is less than other larger financial institutions.
- The obligations associated with being a public company require significant resources and management attention, which increases our costs of operations and may divert focus from our business operations.
- If we fail to maintain effective internal control over financial reporting, we may not be able to report our financial results accurately and timely.
- Securities analysts may not initiate or continue coverage on us.
- Our management and Board of Directors have significant control over our business.
- We may issue new debt securities, which would be senior to our common stock and may cause the market price of our common stock to decline.
- Our common stock is subordinate to our existing and future indebtedness, and is effectively subordinated to all the indebtedness and other non-common equity claims against our subsidiaries.
- We may issue shares of preferred stock in the future, which could make it difficult for another company to acquire us or could otherwise adversely affect holders of our common stock, which could depress the price of our common stock.
- We are dependent upon the Bank for cash flow, and the Bank’s ability to make cash distributions is restricted.
- Our corporate organizational documents and provisions of federal and state law to which we are subject contain certain provisions that could have an anti-takeover effect and may delay, make more difficult or prevent an attempted acquisition that you may favor or an attempted replacement of our Board of Directors or management.
- The market price of our common stock may be subject to substantial fluctuations and significant declines, which may make it difficult for you to sell your shares at the volume, prices and times desired.
Legal proceedings
We are not currently subject to any material legal proceedings. From time to time, we are subject to claims and litigation arising in the ordinary course of business. These claims and litigation may include, among other things, allegations of violation of banking and other applicable regulations, competition law, labor laws and consumer protection laws, as well as claims or litigation relating to intellectual property, securities, breach of contract, and tort. We intend to defend ourselves vigorously against any pending or future claims and litigation.
At this time, in the opinion of management, the likelihood is remote that the impact of such proceedings, either individually or in the aggregate, would have a material adverse effect on our consolidated results of operations, financial condition, or cash flows. However, one or more unfavorable outcomes in any claim or litigation against us could have a material adverse effect for the period in which they are resolved. In addition, regardless of their merits or their ultimate outcomes, such matters are costly, divert management’s attention, and may materially and adversely affect our reputation, even if resolved in our favor.
The opening of Item 3, Legal Proceedings.5
Sources
The numbers on this page point here. Each one links to the record it came from.
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- 15SEC EDGARGary B. Lutz, President
- 16SEC EDGARJosh M. Wilson, President
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- 20SEC EDGAREric E. Ensmann, Chief Risk Officer
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- 27SEC EDGAREllen S. Robinson, Board member
- 28SEC EDGARJulie A. Courkamp, Board member
- 29SEC EDGARDavid R. Duncan, Board member
- 30SEC EDGAREric D. Sipf, Board member
- 31SEC EDGARJulie A. Caponi, Board member
- 32SEC EDGARLuke A. Latimer, Board member
- 33SEC EDGARPatrick H. Hamill, Board member
- 34SEC EDGARThomas A. Gart, Board member
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- 36SEC EDGARRegulation FD disclosure
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- 38SEC EDGARShareholder vote
- 39SEC EDGARRegulation FD disclosure
- 40SEC EDGAROther events
- 41SEC EDGARRegulation FD disclosure
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- 43SEC EDGARRegulation FD disclosure
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- 45SEC EDGARRegulation FD disclosure
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- 47SEC EDGARRegulation FD disclosure
- 48NasdaqNasdaq calendar
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