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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
First Western Financial
First Western Financial (MYFW) investor relations material
First Western Financial Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary23 Oct, 2026
Executive summary
Q3 net income was $6.0 million, or $0.60 per diluted share, up 87.5% YoY; 9M net income rose 80.8% to $17.9 million.
Loan and deposit growth, wider NIM, improved deposit mix and disciplined expenses supported stronger earnings; non-performing assets declined.
Pre-tax, pre-provision net income rose 14.5% QoQ and 27% YoY.
Financial highlights
Gross revenue was $28.9 million, up 2.8% QoQ; net interest income increased 5.5% QoQ and 17.9% YoY to $23.0 million.
Non-interest income fell 9.4% QoQ to $5.8 million, mainly on lower mortgage gains and bank fees; non-interest expense declined 1.9% QoQ to $20.8 million.
Q3 provision for credit losses was $0.6 million versus $2.3 million a year earlier; 9M included a $0.6 million release versus $4.1 million provision in 2025.
Tangible book value per share rose 2.9% QoQ to $26.28.
Outlook and guidance
Management expects continued loan and deposit growth, improved deposit mix, NIM expansion, revenue growth and operating leverage, supported by a strong loan pipeline and experienced hires.
Management said ~10% loan growth for 2026 appeared on track and a 15% run rate into 2027 was a reasonable indication, while favoring disciplined mid-teens growth.
Management expects to operate at 1% ROA during 2027 and sees a medium-term path to 1.5% if markets remain healthy and rates relatively stable.
No meaningful asset-quality deterioration is expected based on current portfolio and client trends.
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Latest events from First Western Financial
- IPO-funded balance-sheet growth lifted earnings, but credit quality and Mortgage profitability weakened.MYFW
Q4 2018 - Mortgage growth lifted FY2019 earnings, while deposit costs and impairment tempered results.MYFWQ4 2019
- Mortgage gains powered record earnings as commercial banking expanded and credit quality improved.MYFWQ4 2020
- Commercial and wealth growth offset mortgage weakness, while Teton expanded scale and future growth prospects.MYFWQ4 2021
- Organic lending and stronger spread income offset weaker AUM and mortgage results.MYFWQ4 2022
- A $3.9 million credit provision cut Q4 earnings as deposits grew 4.5% QoQ.MYFWQ4 2023
- Net income jumped over 128% year-over-year, with strong loan, deposit, and margin growth.MYFWQ2 2026
- Net income and EPS surged on higher net interest income and strong loan and deposit growth.MYFWQ1 2026
- Net income surged 68% to $4.2M as margins, asset quality, and capital strength improved.MYFWQ1 2025
Next First Western Financial earnings date
Q4 202628 Jan, 2027
First Western Financial
Next First Western Financial earnings date
Q4 202628 Jan, 2027
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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.