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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.
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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