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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.
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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.

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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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