Sep 2026 (Q3 FY26) — Oct 23, 2026
First Western Financial Q3 FY26 — Strong Profitability and Loan Growth with NIM Expansion
Read the full callFirst Western Financial earnings: last reported Fri, 23 Oct 2026, for the quarter ended Sep 2026.
Reported
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | 28.6 | +27.7% YoY | Quarterly, as filed | Quarter to Jun 2026 | Revenue from operations as filed. |
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | 5.7 | +128.9% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Price
1Y: $23.04 on 22 Oct 2025 → $29.98. High $34.19 (16 Jul 2026), low $22.3 (24 Oct 2025).
Overview
Call summaries
First Western Financial Q3 FY26 — Strong Profitability and Loan Growth with NIM Expansion
Read the full callFirst Western Financial Q2 FY26 — Strong Profitability and NIM Expansion
Read the full callEvery analysed call
Financials
Net profit, year on year: +129% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 22 | 24 | 25 | 22 | 24 | 26 | 28 | 29 |
| Interest | 23 | 21 | 20 | — | — | — | — | — |
| Profit before tax | 3 | 4 | 5 | 3 | 4 | 4 | 8 | 7 |
| Tax rate | 20.1% | 29.8% | 21.9% | 24.5% | 19.6% | 25.3% | 23.4% | 22.6% |
| Net profit | 2 | 3 | 4 | 3 | 3 | 3 | 6 | 6 |
| EPS ($ per share) | 0.22 | — | 0.43 | 0.26 | 0.33 | — | 0.64 | 0.59 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | — | — | — | 0 | 0 | 0 | 0 | 0 |
| Reserves | -23 | -15 | 10 | 30 | 52 | 51 | 60 | 73 |
| Total liabilities | 967 | 1,124 | 1,819 | 2,308 | 2,626 | 2,733 | 2,667 | 2,889 |
| Fixed assets | 6 | 5 | 5 | 24 | 25 | 25 | 24 | 26 |
| Total assets | 1,084 | 1,252 | 1,974 | 2,527 | 2,867 | 2,975 | 2,919 | 3,155 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 18 | -22 | -93 | 163 | 48 | 22 | 1 | -2 |
| Cash from investing | -63 | -116 | -456 | -43 | -559 | -66 | 66 | -264 |
| Cash from financing | 109 | 143 | 627 | 112 | 320 | 102 | -84 | 229 |
| Net cash flow | — | — | — | 231 | -190 | 58 | -18 | — |
| Capital expenditure | -1 | -0 | -1 | -2 | -3 | -2 | -1 | -4 |
| Free cash flow | 17 | -22 | -95 | 160 | 45 | 20 | -1 | -6 |
| KPI | Jun 2026 Q2 FY26 | Sep 2026 Q3 FY26 | Change vs prior quarter |
|---|---|---|---|
| Net interest margin | 2.9%Our net interest margin increased 9 basis points from the prior quarter to 2.9%.Source: earnings call transcript | 2.95%Our NIM increased 5 basis points from the prior quarter to 2.95%.Source: earnings call transcript | +0.1 pt |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
60 filings between Nov 18, 2025 and Aug 31, 2026.
Purchases
None
No insider bought shares.
Sales
$1.95M
23 sales by 6 insiders
| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| Wylie Scott C | — | $1.27M | Aug 31, 2026 |
| Duncan David R | — | $422.7K | Feb 3, 2026 |
| Mitchell Scott C | — | $99.9K | Feb 4, 2026 |
| Courkamp Julie A | — | $75.7K | Dec 10, 2025 |
| Smith Mark L | — | $42.5K | Dec 11, 2025 |
| Latimer Luke A | — | $42.4K | Dec 16, 2025 |
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Aug 31, 2026 | Wylie Scott C CHAIRMAN, CEO AND PRESIDENT | Sale | 10,000 | $305.5K |
| Jun 3, 2026 | Caponi Julie A Director | Award | 974 | $0 |
| Jun 3, 2026 | Latimer Luke A Director | Award | 974 | $0 |
| Jun 3, 2026 | Zimlich Joseph C. Director | Award | 974 | $0 |
| Jun 3, 2026 | Smith Mark L Director | Award | 974 | $0 |
| Jun 3, 2026 | Gart Thomas A Director | Award | 974 | $0 |
| Jun 3, 2026 | Robinson Ellen S. Director | Award | 974 | $0 |
| Jun 3, 2026 | Hamill Patrick H Director | Award | 974 | $0 |
| Jun 3, 2026 | Mitchell Scott C Director | Award | 974 | $0 |
| Jun 3, 2026 | Duncan David R Director | Award | 974 | $0 |
| May 22, 2026 | Wylie Scott C CHAIRMAN, CEO AND PRESIDENT | Sale | 6,417 | $181.7K |
| May 20, 2026 | Wylie Scott C CHAIRMAN, CEO AND PRESIDENT | Sale | 1,083 | $30.9K |
| May 5, 2026 | Wylie Scott C CHAIRMAN, CEO AND PRESIDENT | Sale | 7,500 | $215.3K |
| May 4, 2026 | Cassell Matthew C. CHIEF REVENUE OFFICER | Tax withheld | 36 | $1.0K |
| May 4, 2026 | Courkamp Julie A CHIEF OPERATING OFFICER | Tax withheld | 417 | $11.9K |
| May 4, 2026 | Weber David R. Chief Financial Officer | Tax withheld | 102 | $2.9K |
| May 4, 2026 | Wylie Scott C CHAIRMAN, CEO AND PRESIDENT | Tax withheld | 1,440 | $41.1K |
| May 1, 2026 | Weber David R. Chief Financial Officer | Award | 668 | $0 |
| May 1, 2026 | Cassell Matthew C. CHIEF REVENUE OFFICER | Award | 862 | $0 |
| May 1, 2026 | Wylie Scott C CHAIRMAN, CEO AND PRESIDENT | Tax withheld | 1,907 | $54.4K |
| May 1, 2026 | Wylie Scott C CHAIRMAN, CEO AND PRESIDENT | Award | 7,005 | $0 |
| May 1, 2026 | Courkamp Julie A CHIEF OPERATING OFFICER | Award | 3,940 | $0 |
| May 1, 2026 | Courkamp Julie A CHIEF OPERATING OFFICER | Tax withheld | 1,072 | $30.6K |
| May 1, 2026 | Weber David R. Chief Financial Officer | Tax withheld | 240 | $6.9K |
| May 1, 2026 | Cassell Matthew C. CHIEF REVENUE OFFICER | Tax withheld | 388 | $11.1K |
| Feb 4, 2026 | Mitchell Scott C Director | Sale | 915 | $23.8K |
| Feb 3, 2026 | Duncan David R Director | Sale | 2,000 | $51.0K |
| Feb 3, 2026 | Duncan David R Director | Sale | 3,626 | $92.9K |
| Feb 3, 2026 | Duncan David R Director | Sale | 3,000 | $76.7K |
| Jan 28, 2026 | Duncan David R Director | Sale | 1,994 | $49.8K |
| Jan 28, 2026 | Duncan David R Director | Sale | 1,674 | $41.8K |
| Jan 27, 2026 | Duncan David R Director | Sale | 3,025 | $76.1K |
| Jan 27, 2026 | Duncan David R Director | Sale | 1,381 | $34.5K |
| Jan 26, 2026 | Mitchell Scott C Director | Sale | 159 | $3.9K |
| Jan 26, 2026 | Mitchell Scott C Director | Sale | 100 | $2.5K |
| Jan 26, 2026 | Mitchell Scott C Director | Sale | 224 | $5.6K |
| Jan 26, 2026 | Mitchell Scott C Director | Sale | 100 | $2.5K |
| Jan 26, 2026 | Mitchell Scott C Director | Sale | 582 | $14.3K |
| Jan 26, 2026 | Mitchell Scott C Director | Sale | 2,013 | $47.4K |
| Jan 5, 2026 | Wylie Scott C CHAIRMAN, CEO AND PRESIDENT | Tax withheld | 2,594 | $69.1K |
| Jan 5, 2026 | Weber David R. Chief Financial Officer | Tax withheld | 38 | $1.0K |
| Jan 5, 2026 | Wylie Scott C CHAIRMAN, CEO AND PRESIDENT | Award | 7,766 | $0 |
| Jan 5, 2026 | Weber David R. Chief Financial Officer | Award | 113 | $0 |
| Jan 5, 2026 | Courkamp Julie A CHIEF OPERATING OFFICER | Tax withheld | 729 | $19.4K |
| Jan 5, 2026 | Courkamp Julie A CHIEF OPERATING OFFICER | Award | 2,142 | $0 |
| Dec 16, 2025 | Latimer Luke A Director | Sale | 1,646 | $42.4K |
| Dec 16, 2025 | Latimer Luke A Director | Option exercise | 1,697 | $42.4K |
| Dec 12, 2025 | Wylie Scott C CHAIRMAN, CEO AND PRESIDENT | Sale | 16,171 | $415.9K |
| Dec 12, 2025 | Wylie Scott C CHAIRMAN, CEO AND PRESIDENT | Option exercise | 16,500 | $412.5K |
| Dec 11, 2025 | Smith Mark L Director | Sale | 1,646 | $42.5K |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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