Stock Ratings / Financials / MYFW / financials

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First Western Financial Inc. (MYFW) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$31.46 -0.22% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $31.39

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.

📊 Historical Track Record Warning: Scores below 50 (37/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows →

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

EXT / AFTER-HRS: $31.39 (-0.23%)🧬 Dilution Drag (+1.64% YoY Shares)⚙️ Cash Engine: 5/20 (E) • 0% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (37/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows (-8.1% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

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%

Deterministic 5-Pillar Attribution (37/100 Composite)

🔍 WHY MYFW SCORES 37/100 (D-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+10/20 pts (27% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 3/9

▲ #2 Bullish Driver: Whale & Options Positioning+8/20 pts (22% of score)

20D Institutional Volume Accumulation (±5.2% realized swing band)

▼ #1 Drag / Risk Factor: Cash Engine Quality5/20 pts (-15 pt drag)

Capital intensity & 0% operating margin leave 15 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade E$29.83-1.3% Next Q

Q2 (-2Q)

Grade E$29.45+1.8% Next Q

Q3 (-1Q)

Grade E$29.98+4.9% Next Q

Current

Grade D-$31.46-8.1% Hist 90D α

Trajectory: E (29) → D- (37)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a MYFW Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While MYFW currently carries a cautious 37/100 (D-) rating due to Cash Engine Quality (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($30.45) and Max Pain ($33.03) forces dealer call-delta covering toward $36.08.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Dilution Drag (+1.64% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $MYFW• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “MYFW Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 37%NO 63%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How MYFW Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$0 (0% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $82.7M

FY24

Rev $90.1M

FY25

Rev $96.9M

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$96.9M	52%	0%	$13.2M	-$5.8M	5%
FY 2024	$90.1M	52%	0%	$8.5M	-$607.0K	5%
FY 2023	$82.7M	52%	0%	$5.2M	$21.9M	5%

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

How profitable is First Western Financial Inc. (MYFW)?

In FY 2025 (10-K), MYFW converted $96.9M of revenue into a 52% gross margin, 0% operating margin, and $0 in free cash flow (0% FCF margin).

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