Filing Flows › First Western Financial (MYFW) › Q4 2025
First Western Financial (MYFW) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Feb 27, 2026
First Western Financial (MYFW) reported revenue of $25.7M for the fourth quarter 2025 (Q4 2025), +6% from a year earlier and +7% from the quarter before. Operating margin was 17.2%, net earnings $3.3M (12.9% of revenue).
First Western Financial, Q4 2025: revenue $25.7M (+6% year over year), operating margin 17.2%, net earnings $3.3M, operating cash flow −$10.8M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $25.7M | +7% | +6% |
| Operating profit | $4.4M | +12% | +13% |
| Net earnings | $3.3M | +4% | +21% |
| Operating cash flow | −$10.8M | -207% | — |
What changed
Revenue was $25.7M in Q4 2025, up 6% year over year and up 7% from the previous quarter.
Operating profit was $4.4M, a 17.2% margin (up 1.1 points year over year). Of the extra revenue versus a year earlier, 37% reached operating profit, above the 16% margin then. Total costs grew 4% against revenue growth of 6%. Net earnings were $3.3M, up 21% year over year. The effective tax rate was 25.3%.
Operating cash flow was −$10.8M. Non-cash charges added back $626K of depreciation and amortization and $553K of share-based compensation. Working capital and other items used $15.2M. Capital expenditures of $1.3M exceeded it, leaving free cash flow of −$12.0M.
Questions
What was First Western Financial's revenue in the fourth quarter 2025?
First Western Financial (MYFW) reported revenue of $25.7M for the fourth quarter 2025 (Q4 2025), +6% from a year earlier and +7% from the quarter before.
Was First Western Financial profitable in the fourth quarter 2025?
Operating profit was $4.4M (17.2% of revenue) and net earnings $3.3M.