First Western Financial
Financial ratios & Valuation

Forward Multiples (2025 – 2025)

2025
Price/Earnings ratio
12.02
Price/Sales ratio
1.56
Earnings per Share (EPS)
$1.78

Historical Multiples (2016 – 2023)

2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
64.5573.4513.9216.226.3011.7512.2736.728.106.30
Price/Sales ratio
2.732.681.372.001.582.50183.302.321.591.58
Price/Book Value ratio
1.541.450.671.010.991.101.100.790.720.99
Price/Cash Flow ratio
7.77-27.364.41-6.03-1.651.465.518.763.64-6.03
Price/Free Cash Flow ratio
8.59-25.064.60-5.92-1.631.475.879.823.88-5.92
Price/Earnings Growth ratio
N/A-1.46-0.000.750.03-0.68-1.09-0.48-0.770.03
Dividend Yield
1.91%1.54%1.75%0.02%0.01%0.03%0.14%0.32%N/A0.01%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%N/A100%
Operating Profit Margin
15.87%19.47%27.31%15.76%33.98%28.22%3289.88%8.53%N/A33.98%
Pretax Profit Margin
6.56%9.05%13.00%15.76%33.98%28.22%1984.03%8.53%26.14%15.76%
Net Profit Margin
4.23%3.65%9.89%12.39%25.21%21.32%1493.32%6.31%19.67%12.39%
Effective Tax Rate
35.53%59.59%23.91%21.41%25.79%24.45%24.73%26.00%24.73%21.41%
Return on Assets
0.25%0.20%0.52%0.63%1.24%0.81%0.75%0.17%0.75%0.63%
Return On Equity
2.39%1.98%4.83%6.27%15.83%9.40%9.00%2.15%9.36%6.27%
Return on Capital Employed
0.94%1.11%1.43%0.81%1.67%1.07%1.66%0.23%N/A1.67%
Liquidity Ratios
Current Ratio
N/AN/A0.080.07N/AN/AN/AN/AN/AN/A
Quick Ratio
4.88K4.47K4.35K799.24827.032.41K380.09N/AN/A827.03
Cash ratio
391.7848.23317.56263.00344.341.08K174.67N/AN/A344.34
Days of Sales Outstanding
120.79132.8855.8052.4648.4154.254.34K92.6457.2352.46
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
0.060.020.010.010.08N/A0.060.010.910.01
Debt Equity Ratio
0.600.230.180.121.12N/A0.820.2310.900.12
Long-term Debt to Capitalization
0.370.180.150.110.52N/A0.450.180.450.11
Total Debt to Capitalization
0.370.180.150.110.52N/A0.450.18N/A0.52
Interest Coverage Ratio
N/AN/AN/AN/A7.17N/AN/AN/AN/A7.17
Cash Flow to Debt Ratio
0.33-0.230.82-1.29-0.53N/A0.240.39N/A-1.29
Company Equity Multiplier
9.549.529.279.8012.7311.5311.9012.2511.909.80
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.35-0.090.31-0.33-0.951.7133.220.260.43-0.33
Free Cash Flow / Operating Cash Flow Ratio
0.901.090.951.011.010.980.930.890.931.01
Cash Flow Coverage Ratio
0.33-0.230.82-1.29-0.53N/A0.240.39N/A-1.29
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Dividend Payout Ratio
123.37%113.24%24.40%0.36%0.06%0.36%1.75%11.86%N/A0.06%