)
Edge23 Jan 2026
Death, Taxes, and Garbage: The Story of WM
How Waste Management turned garbage into one of America's most stable business models through landfills, regulation, and nationwide scale.
First Western Financial
First Western Financial (MYFW) investor relations material
First Western Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary23 Jan, 2026
Executive summary
Net income available to common shareholders was $3.3 million ($0.34 per diluted share), up 6% sequentially and 21% year-over-year, despite a $1.4 million OREO property write-down that reduced EPS by $0.10 after tax.
Book value and tangible book value per share increased, with tangible book value per share rising 1.6% to $24.07.
Management emphasized prudent risk management, disciplined expense control, and strong loan growth supported by new banking talent.
Financial highlights
Net interest income increased 5.6% quarter-over-quarter to $20.6 million, with net interest margin up 17 basis points to 2.71%.
Gross revenue rose 1.5% sequentially and 12.2% year-over-year, reaching $26.7 million.
Non-interest income declined by $800,000 (10.3%) sequentially, mainly due to lower mortgage gain-on-sale and insurance fees.
Non-interest expense rose to $21.3 million, driven by a $1.4 million OREO write-down; excluding this, expenses decreased.
Efficiency ratio improved to 74.9% from 76.4% in Q3 2025 and 80.7% in Q4 2024.
Outlook and guidance
Management expects continued solid loan and deposit growth in 2026, supported by a robust loan pipeline and healthy economic conditions.
Anticipates ongoing improvement in net interest margin, positive trends in fee income, and higher mortgage production.
No meaningful asset quality deterioration expected; targeting a 1% ROA in the near term.
Expense discipline remains a priority, with willingness to invest in revenue-generating opportunities.
Explain NIM increase despite asset yield drop
Outlook for OREO-related expenses?
Deposit growth strategy given Q4 decline?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next First Western Financial earnings date
Q1 202624 Apr, 2026
First Western Financial
Next First Western Financial earnings date
Q1 202624 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
First Western Financial Inc is a financial holding company that offers private banking, commercial lending, trust, investment management, and mortgage services. Operating through its wholly owned bank subsidiary, the company targets high-net-worth individuals and small to medium-sized businesses. Its operations are concentrated in the western United States. First Western Financial Inc is headquartered in Denver, Colorado, and its shares are listed on the NASDAQ.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage