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First Western Financial Inc. (MYFW) — RQD Stock Rating Cockpit

$31.46 -0.22% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

First Western Financial Inc. (MYFW) carries a Roarable Rating of D- (Sell) with 37/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D- • RED ALERT Cap $307.2M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERRED ALERT • D-

3-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw E · Rk D

Each axis scored 0–20

12M PRICE TARGET CONE-9.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for MYFW)Realized 20D OHLCV Swing Band: ±5.2%

RSI-14 MOMENTUMBULLISH MOMENTUM

57.230 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

3 / 99-Pt Accounting

52-WEEK LASER RANGE76% OF RANGE

L: $22$31.46H: $34

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: ERQD 5 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: D-RQD 14 / 40

3. Hidden Risks & Market Weather● WARNING

SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: DRQD 18 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

3-of-3 JEV AI Jury Bearish Warning on MYFW

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (25)

5.0% ROIC with 42.0% gross margin and -1.88% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BEARISH (50)

Altman-Z 4.20 and Piotroski 3/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BEARISH (37)

14/40 institutional & smart-money positioning score with 8/20 macro alignment.

Bull Case: Why Buyers Like MYFW

✓Established market leader in Financials with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.
!Sensitive to high interest rates and tighter Federal Reserve market liquidity.
!Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring MYFW)

✓Walkthrough of MYFW's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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MYFW // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +11.13%▼ DESCENDING CHANNEL

2026-10-30O $31.26H $31.46L $30.63C $31.46VOL 19.6K

RES: $32.08SUP: $28.42SMA50: $30.45SMA200: $28.78

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

MYFW Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 MYFW Butterfly Map → + Track MYFW →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

17.1%/yr Implied 5Y Growth

vs. +7.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on MYFW today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for MYFW. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for MYFW today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (MYFW)

Financials Rank #1013 of 1096 ⚔️ FVCB vs MYFW Full Matrix →

1. Head-to-Head Financials Peer Comparison (MYFW vs. FVCB, ISBA, ATLO, FCCO)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, First Western Financial Inc. (MYFW) ranks #1013 by composite RQD confidence (37/100, grade D-) and #803 by equity capitalization ($307.2M). Within this direct 5-issuer industry benchmark cohort, FVCB leads on earnings valuation at 13.9x trailing P/E, while FCCO leads on capital efficiency and profitability with 11.5% ROIC and — gross margin. FVCB currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with MYFW at 37/100 (D-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
MYFW ACTIVE First Western Financial Inc.	D-	37/100	23.3x	—	5.0%	-0.22%	$307.2M	Benchmark Subject
FVCB FVCBankcorp Inc.	B-	71/100	13.9x	—	8.7%	-0.41%	$307.3M	/fvcb-vs-myfw →
ISBA Isabella Bank Corporation	C-	61/100	16.0x	—	8.2%	+0.84%	$302.8M	/isba-vs-myfw →
ATLO Ames National Corporation	C-	61/100	15.8x	—	9.2%	+0.24%	$299.9M	/atlo-vs-myfw →
FCCO First Community Corporation	B-	70/100	16.4x	—	11.5%	+1.06%	$314.9M	/fcco-vs-myfw →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001327607

In its most recent audited fiscal period (FY2025, filed 2025-12-31), First Western Financial Inc. (MYFW) reported GAAP revenue of $96.9M (+7.6% vs. FY2024 revenue of $90.1M , and +17.2% cumulative change since FY2023) , GAAP net income of $13.2M, operating cash flow of -$1.8M, and free cash flow of -$5.8M (-850.4% YoY). On the balance sheet, MYFW closed FY2025 with $3.15B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 3/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$96.9M	$13.2M	-$1.8M	-$5.8M	$3.15B	—
FY2024 (FY)	2024-12-31	$90.1M	$8.5M	$606.0K	-$607.0K	$2.92B	—
FY2023 (FY)	2023-12-31	$82.7M	$5.2M	$21.9M	$21.9M	—	—

3. MYFW Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is MYFW stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, First Western Financial Inc. (NASDAQ: MYFW) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 37/100 at a spot price of $31.46 (-0.22% 1D, market cap $307.2M). Pillar breakdown: Fundamental Cash Engine 5/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 8/20, and SEC Balance-Sheet Forensics 6/20. Across 1096 tracked Financials issuers, MYFW ranks #1013 in composite RQD confidence.

How does MYFW compare to FVCB and ISBA in the Financials sector?

Within the Financials sector (Major Banks), MYFW carries a Roarable D- (37/100 RQD), trailing P/E of 23.3x, gross margin of —, and ROIC of 5.0%. By comparison, FVCB (FVCBankcorp Inc.) holds a B- grade (71/100 RQD, P/E 13.9x, ROIC 8.7%, cap $307.3M) and ISBA (Isabella Bank Corporation) posts a C- grade (61/100 RQD, P/E 16.0x, ROIC 8.2%, cap $302.8M). Among the 5-stock peer group, FVCB leads on earnings multiple (13.9x) while FCCO leads on capital efficiency (11.5% ROIC).

What are the biggest fundamental strengths and SEC risk factors for MYFW?

Per MYFW's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001327607), First Western Financial Inc. generated $96.9M in revenue (+7.6% YoY), $13.2M in net income, and -$5.8M in free cash flow against $3.15B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is MYFW trading relative to its 50-day, 200-day, and 52-week technical levels?

MYFW last traded at $31.46 (-0.22% on volume of 21,557 shares), positioning the stock +3.32% above its 50-day simple moving average ($30.45) and +9.31% above its 200-day simple moving average ($28.78). Across its 52-week range of $22.13 to $34.36, MYFW sits at the 76.3% percentile with a 14-day RSI of 57.2 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.2% ($29.82 to $33.10).

MYFW Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell MYFW stock right now?

First Western Financial Inc. (MYFW) currently earns a Roarable Rating of D- (Sell — SELL) with 37/100 RQD Confidence. Stretched risk/reward at 23x P/E (5% return on capital) under elevated 10-year interest-rate pressure.

What is MYFW's 12-month price target and RQD AI Jury consensus?

MYFW's 12-month base price target is $28.49 (range $22.22 to $36.08), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: MYFW RQD Cockpit MYFW 12M Forecast MYFW Earnings & Move MYFW Dividends & DRIP MYFW Insiders & 13F MYFW Whale Options MYFW Profit Sankey MYFW News & Why