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Stock Ratings / Financials / MYFW / earnings
ISBA (60) FVCB (65) ATLO (68) FUNC (67) ⌘ Pro Terminal →

First Western Financial Inc. (MYFW) Next Earnings Date & Expected ±4.9% Move

$31.55 +1.77% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $31.59

First Western Financial Inc. (MYFW) carries a Roarable Rating of D- (Sell) with 42/100 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- • SELL / AVOID Cap $302.7M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is MYFW stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, First Western Financial Inc. (NASDAQ: MYFW) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 42/100 at a spot price of $31.55 (+1.77% 1D, market cap $302.7M). Pillar breakdown: Fundamental Cash Engine 5/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 9/20, and Executive Insider Alignment 6/20. Across 1097 tracked Financials issuers, MYFW ranks #886 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does MYFW compare to ISBA and FVCB in the Financials sector?
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Within the Financials sector (Major Banks), MYFW carries a Roarable D- (42/100 RQD), trailing P/E of 23.3x, gross margin of —, and ROIC of 5.0%. By comparison, ISBA (Isabella Bank Corporation) holds a C- grade (60/100 RQD, P/E 16.0x, ROIC 8.2%, cap $302.4M) and FVCB (FVCBankcorp Inc.) posts a C grade (65/100 RQD, P/E 13.9x, ROIC 8.7%, cap $304.2M). Among the 5-stock peer group, FUNC leads on earnings multiple (12.1x) while FUNC leads on capital efficiency (12.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for MYFW?
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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.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $31.59 (+0.13%)🧬 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 (42/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows (-7.0% avg 90D alpha vs SPY • 29.0% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D-
025507510042
3-of-3 Quant Analysts 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 RQD RADARRw D- · Rk D
Cash (5)Whales (12)SEC (10)Macro (9)CEO (6)
Each axis scored 0–20
12M PRICE TARGET CONE-7.2% Base Target
$36 Bull$29 Base$23 Bear
📬 FREE MYFW RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for MYFW)Realized 20D OHLCV Swing Band: ±4.9%
Deterministic 5-Pillar Attribution (42/100 Composite)
🔍 WHY MYFW SCORES 42/100 (D-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+12/20 pts (29% of score)

20D Institutional Volume Accumulation (±4.9% realized swing band)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+10/20 pts (24% of score)

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

▼ #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)
34
Grade E$29.70+0.9% Next Q
Q2 (-2Q)
37
Grade E$29.96+3.6% Next Q
Q3 (-1Q)
39
Grade E$31.03+1.7% Next Q
Current
42
Grade D-$31.55-7% Hist 90D α
Trajectory: E (34) → D- (42)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 42/100 (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 ($30.46) and Max Pain ($33.13) 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 42%NO 58%Trade / Inspect Odds →
NEXT EST. WINDOW: Dec 30, 2026 (~56 DAYS)

Historical OHLCV Volatility ±4.9% Swing Band

±$1.55 Expected Swing
$30.00 (-4.9%)Spot $31.55$33.10 (+4.9%)
MODEL EARNINGS SETUP GAUGE

MYFW Quantitative Pre-Earnings Setup: 42/100

Trailing EPS: $1.35 • YoY Revenue Growth: 7.6%

Model Bullish Setup (42/100)Model Risk Weight (58/100)
Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).
LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

PeriodFiledRevenueNet ProfitFree Cash FlowGross Margin
FY 20252025-12-31$96.9M$13.2M-$5.8M52%
FY 20242024-12-31$90.1M$8.5M-$607.0K52%
FY 20232023-12-31$82.7M$5.2M$21.9M52%
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: +11.41%⚡ TESTING RESISTANCE
2026-11-03O $31.46H $31.55L $31.00C $31.55VOL 19.6K
RES: $32.10SUP: $28.34SMA50: $30.46SMA200: $28.83
$35.06$32.15$29.23$26.32$23.41RES $32.10SUP $28.34$31.552026-05-042026-06-172026-08-042026-09-182026-11-03
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

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

Reverse-DCF Expectations Hurdle
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

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 #886 of 1097 ⚔️ ISBA vs MYFW Full Matrix →

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

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, First Western Financial Inc. (MYFW) ranks #886 by composite RQD confidence (42/100, grade D-) and #802 by equity capitalization ($302.7M). Within this direct 5-issuer industry benchmark cohort, FUNC leads on earnings valuation at 12.1x trailing P/E, while FUNC leads on capital efficiency and profitability with 12.0% ROIC and — gross margin. ATLO currently holds the highest overall quantitative score in the immediate peer group at 68/100 (C+) compared with MYFW at 42/100 (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- 42/100 23.3x — 5.0% +1.77% $302.7M Benchmark Subject
ISBA
Isabella Bank Corporation
C- 60/100 16.0x — 8.2% +2.98% $302.4M /isba-vs-myfw →
FVCB
FVCBankcorp Inc.
C 65/100 13.9x — 8.7% -0.36% $304.2M /fvcb-vs-myfw →
ATLO
Ames National Corporation
C+ 68/100 15.8x — 9.2% +2.18% $296.8M /atlo-vs-myfw →
FUNC
First United Corporation
C+ 67/100 12.1x — 12.0% +1.70% $295.8M /func-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 2026-11-03, First Western Financial Inc. (NASDAQ: MYFW) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 42/100 at a spot price of $31.55 (+1.77% 1D, market cap $302.7M). Pillar breakdown: Fundamental Cash Engine 5/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 9/20, and Executive Insider Alignment 6/20. Across 1097 tracked Financials issuers, MYFW ranks #886 in composite RQD confidence.

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

Within the Financials sector (Major Banks), MYFW carries a Roarable D- (42/100 RQD), trailing P/E of 23.3x, gross margin of —, and ROIC of 5.0%. By comparison, ISBA (Isabella Bank Corporation) holds a C- grade (60/100 RQD, P/E 16.0x, ROIC 8.2%, cap $302.4M) and FVCB (FVCBankcorp Inc.) posts a C grade (65/100 RQD, P/E 13.9x, ROIC 8.7%, cap $304.2M). Among the 5-stock peer group, FUNC leads on earnings multiple (12.1x) while FUNC leads on capital efficiency (12.0% 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 $31.55 (+1.77% on volume of 36,681 shares), positioning the stock +3.58% above its 50-day simple moving average ($30.46) and +9.43% above its 200-day simple moving average ($28.83). Across its 52-week range of $22.13 to $34.36, MYFW sits at the 77.0% percentile with a 14-day RSI of 55.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.9% ($30.00 to $33.10).

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
ROARABLE RATING BRIEF • RQD 42/100 (D-) ✓ SEC XBRL & RQD VERIFIED

MYFW — First Western Financial Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

First Western Financial Inc. (MYFW) earns a live Roarable RQD composite score of 42/100, corresponding to a D- letter grade (Roarable Sell) at a spot price of $31.55 (+1.77% 1D, market capitalization $302.7M).

  • Fundamental Cash Engine (5/20): Anchored by return on invested capital (ROIC) of 5.0%, gross margin of —, operating margin of —, and free cash flow yield of -1.88%.
  • Whale 13F & Options Flow (12/20) + Insider Conviction (6/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (9/20) + Forensic Balance Sheet (10/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 3/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

First Western Financial Inc. Is a NASDAQ-listed company classified in the Financials sector, Major Banks industry. The company reported revenue of $96.9M for FY 2025.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), First Western Financial Inc. (MYFW) reported $96.9M in annual revenue (up from $90.1M in FY2024, +7.6% YoY) and $13.2M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($82.7M revenue, $5.2M net income) through FY2025, MYFW scaled operating cash flow to -$1.8M and free cash flow to -$5.8M, backed by $3.15B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D- • RQD 42/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of -1.88% and institutional whale pillar of 12/20. With Fundamental Cash Engine at 5/20 and Institutional Whale Flow at 12/20, sustained execution supports upside toward the upper end of the $22.13 – $34.36 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh 23.3x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Investors should note that the absence of mapped links means this analysis cannot identify ripple effects from the broader Major Banks industry.

  • Key Question #1: Can MYFW sustain or expand its — operating margin and 5.0% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $96.9M and free cash flow of -$5.8M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is MYFW's 21.7x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

MYFW Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for First Western Financial Inc. (MYFW) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to MYFW Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

MYFW Bull vs. Bear Conversation Board — What's Your Call at $31.55?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON MYFW 🐻 33% BEARISH CONVICTION
1. Pick Your Side on MYFW:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeepValue_CFA RQD DEBATE OPENER • Institutional Buy-Side 🐂 BULLISH 🎯 Target: $38.75 (+25.0%)
📌 Pinned Debate

Net income grew from $5.2M in FY 2023 to $13.2M in FY 2025 while the stock trades at a Forward P/E of 21.7.

Don't sleep on MYFW's setup in Financials. Net income grew from $5.2M in FY 2023 to $13.2M in FY 2025 while the stock trades at a Forward P/E of 21.7.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (42/100) backs up the fundamental quality.

VolSurface_Trader 🐂 BULL

@RedlineAuditor Shorting a 12/20 institutional whale-flow stock at $31.00 is dangerous when funds are rotating into Financials.

RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH 🎯 Target: $24.49 (-21.0%)
Spot @ $31.00

Free cash flow turned negative after $21.9M in FY 2023 and the RQD cash-engine pillar scores only 5 of 20 with FCF yield at -1.88%.

Fading this rally in MYFW at $31.00. Free cash flow turned negative after $21.9M in FY 2023 and the RQD cash-engine pillar scores only 5 of 20 with FCF yield at -1.88%.. With a beta of 1.0 and the stock sitting at $31.00 (52-wk range $22.13–$34.36), the easy multiple expansion is already priced in.

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