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First Western Financial (MYFW) investor relations material
First Western Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary24 Oct, 2025
Executive summary
Net income available to common shareholders was $3.2 million, or $0.32 per diluted share, up 23% from the prior quarter and 45% year-over-year, with improved profitability and book value per share.
Pre-tax, pre-provision net income rose 22% sequentially and 96% year-over-year.
Management highlighted strong growth in loans, deposits, net interest income, and stable asset quality, supported by successful deposit-gathering strategies and disciplined expense control.
Strategic focus on prudent risk management, conservative loan production, and disciplined expense management continued.
Financial highlights
Gross revenue increased 8.7% sequentially to $26.3 million and 15.5% year-over-year.
Net interest income rose 8.9% to $19.5 million, up for the fourth consecutive quarter and 25% year-over-year.
Non-interest income grew by $0.5 million (8.5%) to $6.8 million, driven by all major fee categories.
Non-interest expense increased to $20.1 million, mainly due to higher salaries, benefits, and incentive compensation.
Efficiency ratio improved to 76.4% from 78.8% in Q2 2025 and 85.0% in Q3 2024.
Outlook and guidance
Management expects continued solid loan growth and positive financial trends in Q4 2025, supported by a healthy loan pipeline and strong economic conditions.
Anticipate net interest margin expansion as excess liquidity is deployed into loans, with a projected five basis point increase in Q4.
Operating leverage and efficiency ratio improvements are expected to continue into 2026.
What drove the Q3 net interest margin decline?
Explain the QOQ increase in non-performing assets.
What caused the AUM decrease this quarter?
Q4 NIM expansion target?
How M&A disruption aids client/talent growth?
Wealth management fee income growth drivers?
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Next First Western Financial earnings date
Q4 202530 Jan, 2026
Next First Western Financial earnings date
Q4 202530 Jan, 2026
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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.
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