Yahoo Finance report covering First Western Financial Inc. (MYFW) market action, institutional positioning, and fundamental catalysts.
Why MYFW Stock advanced +1.77% Today — RQD Quant Desk Flash
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.
🤖 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.
🤖 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).
🤖 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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
20D Institutional Volume Accumulation (±4.9% realized swing band)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 3/9
Capital intensity & 0% operating margin leave 15 pts on the table
⚔️ Adversarial Opposing Case: What Could Spark a MYFW Turnaround Squeeze
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.
Established market leader in Financials with deep daily trading liquidity.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($30.46) and Max Pain ($33.13) forces dealer call-delta covering toward $36.08.
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.
Why MYFW Stock advanced +1.77% Today — RQD Quant Desk Flash
First Western Financial Inc. (MYFW) advanced +1.77% to $31.55, trading at 77% of its 52-week range ($22.13 – $34.36). Stretched risk/reward at 23x P/E (5% return on capital) under elevated 10-year interest-rate pressure.
- ▸Technical Tape: Trading at 77% of its 52-week range ($22.13 – $34.36) with RSI-14 at 55.6 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±4.9% around $31.55 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable D- (Sell) backed by 52% gross margin and $0 annual free cash flow.
TradingView report covering First Western Financial Inc. (MYFW) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering First Western Financial Inc. (MYFW) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering First Western Financial Inc. (MYFW) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering First Western Financial Inc. (MYFW) market action, institutional positioning, and fundamental catalysts.
Investing.com report covering First Western Financial Inc. (MYFW) market action, institutional positioning, and fundamental catalysts.
The Motley Fool report covering First Western Financial Inc. (MYFW) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering First Western Financial Inc. (MYFW) market action, institutional positioning, and fundamental catalysts.
Net income surged 88% as net interest margin expanded and loan growth accelerated.
First Western Financial (NASDAQ:MYFW) reported third-quarter 2026 net income of approximately $6 million, or $0.60 per diluted share, as loan growth, net interest margin expansion, improving deposit mix and expense contr
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
MYFW Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +7.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on MYFW today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for MYFW. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (MYFW)
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 ENABLEDIs 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).
MYFW — First Western Financial Inc.: What the Facts Mean to a Prospective Investor
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
Yahoo Finance report covering First Western Financial Inc. (MYFW) market action, institutional positioning, and fundamental catalysts.
TradingView report covering First Western Financial Inc. (MYFW) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering First Western Financial Inc. (MYFW) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering First Western Financial Inc. (MYFW) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering First Western Financial Inc. (MYFW) market action, institutional positioning, and fundamental catalysts.
Investing.com report covering First Western Financial Inc. (MYFW) market action, institutional positioning, and fundamental catalysts.
The Motley Fool report covering First Western Financial Inc. (MYFW) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering First Western Financial Inc. (MYFW) market action, institutional positioning, and fundamental catalysts.
MYFW Bull vs. Bear Conversation Board — What's Your Call at $31.55?
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.
@RedlineAuditor Shorting a 12/20 institutional whale-flow stock at $31.00 is dangerous when funds are rotating into Financials.
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.