WallStSmart

First Western Financial Inc (MYFW)vsRoyal Bank of Canada (RY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Royal Bank of Canada generates 63032% more annual revenue ($63.42B vs $100.46M). RY leads profitability with a 33.1% profit margin vs 15.1%. RY trades at a lower P/E of 16.9x. RY earns a higher WallStSmart Score of 68/100 (B-).

MYFW

Buy

63

out of 100

Grade: C+

Growth: 8.0Profit: 6.5Value: 6.0Quality: 5.0

RY

Strong Buy

68

out of 100

Grade: B-

Growth: 7.3Profit: 8.0Value: 5.7Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MYFW4 strengths · Avg: 8.5/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

P/E RatioValuation
18.0x8/10

Attractively priced relative to earnings

Operating MarginProfitability
28.8%8/10

Strong operational efficiency at 28.8%

EPS GrowthGrowth
46.5%8/10

Earnings expanding 46.5% YoY

RY6 strengths · Avg: 9.3/10
Market CapQuality
$250.25B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
33.1%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
46.2%10/10

Strong operational efficiency at 46.2%

Free Cash FlowQuality
$37.30B10/10

Generating 37.3B in free cash flow

P/E RatioValuation
16.9x8/10

Attractively priced relative to earnings

Price/BookValuation
2.7x8/10

Reasonable price relative to book value

Areas to Watch

MYFW3 concerns · Avg: 2.7/10
Market CapQuality
$269.69M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
5.7%3/10

ROE of 5.7% — below average capital efficiency

Free Cash FlowQuality
$-13.41M2/10

Negative free cash flow — burning cash

RY1 concerns · Avg: 4.0/10
PEG RatioValuation
2.304/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : MYFW

The strongest argument for MYFW centers on Price/Book, P/E Ratio, Operating Margin. Profitability is solid with margins at 15.1% and operating margin at 28.8%. Revenue growth of 14.4% demonstrates continued momentum.

Bull Case : RY

The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.1% and operating margin at 46.2%.

Bear Case : MYFW

The primary concerns for MYFW are Market Cap, Return on Equity, Free Cash Flow.

Bear Case : RY

The primary concerns for RY are PEG Ratio.

Key Dynamics to Monitor

RY carries more volatility with a beta of 0.92 — expect wider price swings.

MYFW is growing revenue faster at 14.4% — sustainability is the question.

RY generates stronger free cash flow (37.3B), providing more financial flexibility.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

RY scores higher overall (68/100 vs 63/100), backed by strong 33.1% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

First Western Financial Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

First Western Financial, Inc., a financial holding company, provides wealth management, private banking, personal trust, investment management, home loan, and institutional asset management services. The company is headquartered in Denver, Colorado.

Royal Bank of Canada

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.

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