$31.03

+0.72 (+2.38%)

Weekly Expected Move ±2.8%

$28 $29 $30 $31 $32

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 62 · $303.0M mcap · 8M float · 0.745% daily turnover · Short 37% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE

41.4 / 100

NoneWeakNarrowWide

Primary source: Network Effects · ROIC: 7.4% · 5Y Avg: 4.9%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. MYFW shows a Weak competitive edge (41.4/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Network Effects. ROIC of 7.4% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

Low

$29

Avg Target

$29

High

Based on 2 analyst ratings (12 mo)

Analyst Recommendations

Strong Buy: 0Buy: 4Hold: 1Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$29.00

Analysts2

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-07-27	Piper Sandler	—	$27	$31	+4	-3.0%	$31.97
2026-04-27	Piper Sandler	Matthew Clark	$22	$27	+5	+2.3%	$26.39
2024-10-28	Piper Sandler	Matthew Clark	$20	$22	+2	+14.2%	$19.27
2024-07-29	Piper Sandler	Matthew Clark	$30	$20	-10	+15.5%	$17.32
2022-12-15	Piper Sandler	—	Initiated	$30	—	+3.4%	$29.02

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

Oct 27, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. MYFW receives an overall rating of B. Strongest factors: DCF (4/5). Areas of concern: ROE (2/5), ROA (2/5), P/E (2/5).

Rating Change History

Date	From	To
2026-10-12	B+	B
2026-10-01	B	B+
2026-07-16	B+	B
2026-07-01	B	B+
2026-04-27	C+	B
2026-04-24	B-	C+
2026-04-23	B	B-
2026-04-21	B+	B
2026-04-01	B-	B+
2026-02-18	B	B-

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 54 Grade A

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. MYFW scores highest in Momentum (91/100) and lowest in Safety (30/100). An overall grade of A places MYFW among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

1.52

Grey Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✓ ✓ ✗ ✗ ✓ ✓

Beneish M-Score

-2.69

Unlikely Manipulator

Ohlson O-Score

-1.84

Bankruptcy prob: 13.7%

Moderate

Credit Rating

BB-

Score: 39.9/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.45x

Accruals: -0.3%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. MYFW scores 1.52, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. MYFW scores 7/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. MYFW's score of -2.69 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. MYFW's implied 13.7% bankruptcy probability is elevated and warrants attention to the balance sheet. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. MYFW receives an estimated rating of BB- (score: 39.9/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). MYFW's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

14.23x

PEG

0.21x

P/S

1.56x

P/B

1.05x

P/FCF

14.02x

P/OCF

11.97x

EV/EBITDA

11.08x

EV/Revenue

1.53x

EV/EBIT

11.97x

EV/FCF

13.02x

Earnings Yield

5.77%

FCF Yield

7.13%

Shareholder Yield

0.14%

Graham Number

$34.27

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 14.2x earnings, MYFW trades at a reasonable valuation. An earnings yield of 5.8% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $34.27 per share, suggesting a potential 10% margin of safety at the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.771

NI / EBT

Interest Burden

0.963

EBT / EBIT

EBIT Margin

0.128

EBIT / Rev

Asset Turnover

0.062

Rev / Assets

Equity Multiplier

11.614

Assets / Equity

ROE

6.8%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. MYFW's ROE of 6.8% is driven by financial leverage (equity multiplier: 11.61x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

1.77%

Fair P/E

12.04x

Intrinsic Value

$22.30

Price/Value

1.44x

Margin of Safety

-44.02%

Premium

44.02%

Assessment

Neutral

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with MYFW's realized 1.8% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. MYFW trades at a 44% premium to its adjusted intrinsic value of $22.30, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 12.0x compares to the current market P/E of 14.2x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$31.03

Median 1Y

$32.20

5th Pctile

$17.82

95th Pctile

$58.34

Ann. Volatility

38.3%

25th–75th percentile 5th–95th percentile Median path Historical

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Scott C. Wylie Chairman, Chief Executive Officer, and President of First Western Financial, Inc.	$623,708	$1,641,443	$2,645,442
Julie A. Courkamp Director, Chief Operating Officer, and President of First Western Trust Bank	$379,250	$572,846	$1,125,286
Matthew Cassell Revenue evenue Officer	$328,250	$74,995	$507,979

CEO Pay Ratio

16:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $2,645,442

Avg Employee Cost (SGA/emp): $167,578

Employees: 320

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

320

-0.3% YoY

Revenue / Employee

$582,334

Rev: $186,347,000

Profit / Employee

$41,213

NI: $13,188,000

SGA / Employee

$167,578

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
ROE	14.5%	11.0%	10.5%	9.3%	8.9%	9.4%	8.6%	7.2%	5.8%	2.2%	1.6%	1.4%	1.0%	3.4%	4.0%	4.6%	4.9%	5.1%	5.7%	6.8%	6.84%
ROA	1.2%	0.9%	0.8%	0.8%	0.8%	0.8%	0.7%	0.6%	0.5%	0.2%	0.1%	0.1%	0.1%	0.3%	0.3%	0.4%	0.4%	0.4%	0.5%	0.6%	0.59%
ROIC	-33.8%	-14.2%	-8.8%	10.4%	4.8%	8.9%	7.7%	5.5%	4.8%	3.1%	3.6%	1.4%	2.9%	6.7%	12.5%	4.9%	8.7%	4.4%	25.6%	7.4%	7.42%
ROCE	10.8%	8.5%	8.7%	6.6%	4.3%	6.3%	4.6%	3.6%	3.2%	1.6%	1.4%	0.9%	0.8%	2.9%	3.4%	3.1%	4.2%	2.3%	5.2%	7.0%	6.98%
Gross Margin	93.6%	91.1%	94.4%	93.0%	83.4%	68.5%	63.4%	51.0%	52.9%	28.1%	51.0%	45.3%	48.9%	51.8%	55.5%	51.2%	48.5%	55.1%	59.3%	59.3%	59.33%
Operating Margin	31.8%	10.7%	25.9%	20.9%	24.9%	19.4%	12.7%	5.0%	9.9%	-10.4%	7.8%	3.1%	5.9%	9.3%	12.0%	7.6%	8.0%	11.1%	16.9%	15.3%	15.34%
Net Margin	24.1%	7.9%	19.5%	15.7%	18.8%	14.5%	9.4%	3.7%	7.3%	-7.7%	5.5%	2.4%	4.7%	6.5%	9.4%	5.7%	6.4%	6.8%	13.0%	11.9%	11.88%
EBITDA Margin	32.9%	12.3%	27.8%	23.2%	26.5%	20.8%	14.2%	6.5%	11.3%	-8.9%	9.2%	4.5%	7.4%	10.9%	13.5%	9.2%	9.3%	11.2%	18.2%	16.7%	16.70%
FCF Margin	67.4%	1.6%	1.6%	39.4%	55.5%	36.5%	34.5%	19.9%	12.7%	11.8%	9.9%	6.4%	8.1%	-1.0%	4.4%	5.7%	0.8%	-3.1%	1.0%	11.7%	11.75%
OCF Margin	69.8%	1.6%	1.7%	41.4%	57.5%	38.8%	37.2%	22.0%	14.5%	13.2%	10.9%	7.2%	8.8%	-0.3%	5.6%	7.0%	2.5%	-1.0%	2.9%	13.8%	13.76%
ROE 3Y Avg	snapshot only																				4.15%
ROE 5Y Avg	snapshot only																				5.50%
ROA 3Y Avg	snapshot only																				0.36%
ROIC 3Y Avg	snapshot only																				3.60%
ROIC Economic	snapshot only																				5.35%
Cash ROA	snapshot only																				0.82%
Cash ROIC	snapshot only																				10.35%
CROIC	snapshot only																				8.84%
NOPAT Margin	snapshot only																				9.86%
Pretax Margin	snapshot only																				12.31%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				30.42%
SBC / Revenue	snapshot only																				1.42%

Valuation

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
P/E Ratio	10.09	12.33	15.16	14.41	13.14	12.59	9.64	10.59	12.71	36.96	36.12	47.50	78.42	22.60	18.98	19.13	18.17	20.24	16.09	17.34	14.234
P/S Ratio	2.37	2.51	2.93	2.45	2.09	2.14	1.38	1.19	1.10	1.17	0.83	0.95	1.11	1.08	1.09	1.26	1.27	1.43	1.29	1.65	1.559
P/B Ratio	1.36	1.16	1.37	1.16	1.02	1.13	0.80	0.74	0.72	0.80	0.58	0.67	0.79	0.76	0.75	0.85	0.88	1.01	0.90	1.14	1.052
P/FCF	3.52	1.58	1.78	6.22	3.76	5.88	4.00	5.99	8.64	9.89	8.41	14.78	13.66	-108.99	24.90	22.29	155.13	-46.27	128.87	14.02	14.018
P/OCF	3.40	1.56	1.77	5.92	3.63	5.52	3.71	5.40	7.60	8.83	7.63	13.07	12.53	—	19.63	18.12	50.49	—	44.93	11.97	11.969
EV/EBITDA	-0.21	-3.85	-5.21	8.11	14.45	8.87	7.30	9.92	10.37	12.37	0.71	22.37	6.02	4.60	1.08	10.99	-1.60	15.92	1.47	11.08	11.079
EV/Revenue	-0.07	-1.09	-1.40	1.98	3.32	2.16	1.51	1.63	1.35	0.71	0.03	0.94	0.20	0.37	0.10	1.12	-0.17	1.71	0.18	1.53	1.530
EV/EBIT	-0.22	-4.03	-5.51	8.74	15.72	9.56	7.92	10.88	11.62	16.53	1.02	33.73	10.63	5.62	1.29	12.92	-1.86	17.74	1.62	11.97	11.967
EV/FCF	-0.10	-0.68	-0.85	5.01	5.98	5.93	4.38	8.22	10.64	5.98	0.33	14.62	2.44	-37.02	2.22	19.85	-20.81	-55.33	17.66	13.02	13.025
Earnings Yield	9.9%	8.1%	6.6%	6.9%	7.6%	7.9%	10.4%	9.4%	7.9%	2.7%	2.8%	2.1%	1.3%	4.4%	5.3%	5.2%	5.5%	4.9%	6.2%	5.8%	5.77%
FCF Yield	28.4%	63.4%	56.1%	16.1%	26.6%	17.0%	25.0%	16.7%	11.6%	10.1%	11.9%	6.8%	7.3%	-0.9%	4.0%	4.5%	0.6%	-2.2%	0.8%	7.1%	7.13%
PEG Ratio	snapshot only																				0.210
Price/Tangible Book	snapshot only																				1.283
EV/OCF	snapshot only																				11.121
EV/Gross Profit	snapshot only																				2.757
Acquirers Multiple	snapshot only																				11.967
Shareholder Yield	snapshot only																				0.14%
Graham Number	snapshot only																				$34.27

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	0.20	0.21	0.23	0.09	0.08	0.09	0.13	0.13	0.12	0.11	0.11	0.11	0.12	0.10	0.12	0.10	0.13	0.03	0.11	0.04	0.042
Quick Ratio	0.20	0.21	0.23	0.09	0.08	0.09	0.13	0.13	0.12	0.11	0.11	0.11	0.12	0.10	0.12	0.10	0.13	0.03	0.11	0.04	0.042
Debt/Equity	0.56	0.35	0.27	0.53	1.30	0.83	1.31	1.51	1.27	0.73	0.50	0.99	0.46	0.43	0.38	0.80	0.37	0.41	0.35	0.29	0.290
Net Debt/Equity	-1.40	-1.66	-2.02	-0.23	0.60	0.01	0.08	0.28	0.17	-0.31	-0.55	-0.01	-0.65	-0.50	-0.68	-0.09	-0.99	0.20	-0.77	-0.08	-0.081
Debt/Assets	0.05	0.03	0.02	0.05	0.11	0.07	0.11	0.12	0.10	0.06	0.04	0.08	0.04	0.04	0.03	0.07	0.03	0.03	0.03	0.03	0.025
Debt/EBITDA	2.96	2.72	2.14	4.57	11.66	6.41	10.83	14.62	14.88	18.87	15.43	33.29	19.65	7.75	6.03	11.60	4.97	5.37	4.16	3.03	3.032
Net Debt/EBITDA	-7.43	-12.76	-16.08	-1.96	5.36	0.08	0.64	2.70	1.94	-8.09	-17.22	-0.25	-27.60	-8.94	-10.98	-1.35	-13.53	2.61	-9.28	-0.84	-0.845
Interest Coverage	5.72	5.04	4.96	4.41	3.03	1.67	0.86	0.48	0.29	0.09	0.07	0.06	0.04	0.13	0.16	0.18	0.20	0.21	0.24	0.29	0.291
Equity Multiplier	11.86	11.54	11.54	11.15	11.62	11.90	12.38	12.41	12.19	12.26	11.94	11.90	11.70	11.57	11.33	11.69	12.39	11.88	11.85	11.54	11.540
Cash Ratio	snapshot only																				0.036
Debt Service Coverage	snapshot only																				0.314
Cash to Debt	snapshot only																				1.279
FCF to Debt	snapshot only																				0.281
Defensive Interval	snapshot only																				529.4 days

Efficiency & Turnover

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Asset Turnover	0.05	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.062
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	8.58	8.46	6.85	8.98	8.71	9.19	9.60	10.33	10.29	10.39	10.47	10.72	11.02	11.23	11.03	11.08	11.28	11.17	11.80	12.39	12.395
Payables Turnover	18.95	16.45	14.70	24.24	22.04	28.31	32.59	49.67	34.40	34.49	43.98	48.23	30.63	31.19	36.64	46.29	34.61	53.81	44.49	122.93	122.927
DSO	43	43	53	41	42	40	38	35	35	35	35	34	33	32	33	33	32	33	31	29	29.4 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	19	22	25	15	17	13	11	7	11	11	8	8	12	12	10	8	11	7	8	3	3.0 days
Cash Conversion Cycle	23	21	28	26	25	27	27	28	25	25	27	26	21	21	23	25	22	26	23	26	26.5 days
Fixed Asset Turnover	snapshot only																				7.573
Cash Velocity	snapshot only																				1.868
Capital Intensity	snapshot only																				16.676

Growth (YoY)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue	1.8%	-1.9%	-4.3%	1.6%	13.8%	26.2%	34.1%	40.6%	41.1%	29.7%	22.0%	15.6%	10.3%	7.5%	3.6%	0.1%	1.3%	4.8%	7.4%	10.7%	10.69%
Net Income	6.0%	-16.0%	-31.0%	-31.5%	-23.0%	5.3%	-0.7%	-7.2%	-23.3%	-75.9%	-80.4%	-79.5%	-82.0%	62.2%	1.6%	2.3%	4.0%	55.6%	50.0%	59.4%	59.35%
EPS	3.1%	-19.6%	-42.8%	-42.1%	-34.4%	-9.2%	-0.4%	-6.9%	-23.9%	-76.0%	-80.3%	-79.6%	-82.1%	61.2%	1.6%	2.3%	4.0%	53.1%	47.6%	57.0%	57.00%
FCF	13.2%	2.7%	3.0%	-3.7%	-6.3%	-71.1%	-71.8%	-29.2%	-67.7%	-58.0%	-65.1%	-62.7%	-29.7%	-1.1%	-54.1%	-11.4%	-89.7%	-2.3%	-75.4%	1.3%	1.30%
EBITDA	9.8%	-16.5%	-30.7%	-29.7%	-20.4%	8.9%	3.1%	-4.9%	-20.0%	-69.6%	-72.7%	-70.6%	-72.1%	49.9%	1.0%	1.4%	2.3%	41.8%	42.6%	49.5%	49.51%
Op. Income	10.2%	-17.5%	-32.6%	-32.7%	-24.2%	5.7%	0.4%	-6.6%	-22.4%	-75.5%	-79.5%	-78.6%	-82.3%	64.0%	1.4%	2.1%	4.0%	55.4%	55.3%	62.7%	62.66%
OCF Growth	snapshot only																				1.19%
Asset Growth	snapshot only																				6.98%
Equity Growth	snapshot only																				8.40%
Debt Growth	snapshot only																				-60.94%
Shares Change	snapshot only																				1.50%
Dividend Growth	snapshot only																				-1.00%

Growth (CAGR)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue 3Y	82.2%	45.9%	27.2%	15.3%	15.5%	18.4%	21.4%	20.6%	17.8%	17.1%	16.1%	18.2%	21.0%	20.7%	19.2%	17.6%	16.4%	13.5%	10.7%	8.6%	8.62%
Revenue 5Y	—	—	—	—	—	—	—	—	57.6%	38.4%	27.5%	20.0%	19.1%	18.2%	17.7%	15.2%	12.8%	12.6%	11.7%	12.9%	12.86%
EPS 3Y	1.3%	78.4%	47.8%	32.2%	27.5%	30.4%	28.3%	-2.5%	-19.8%	-44.0%	-51.8%	-52.1%	-55.3%	-29.4%	-20.5%	-14.5%	-12.2%	-16.0%	-9.4%	1.8%	1.77%
EPS 5Y	—	—	—	—	—	—	—	—	44.3%	4.4%	-8.8%	-15.2%	-22.4%	-3.0%	1.2%	-9.0%	-14.5%	-15.4%	-15.8%	-10.7%	-10.70%
Net Income 3Y	1.4%	82.1%	58.7%	41.7%	36.3%	39.4%	37.4%	4.3%	-14.5%	-40.3%	-48.8%	-49.3%	-52.6%	-25.6%	-20.4%	-14.2%	-11.4%	-15.3%	-8.7%	2.7%	2.71%
Net Income 5Y	—	—	—	—	—	—	—	—	52.5%	8.9%	-4.9%	-11.5%	-18.9%	1.1%	5.6%	-5.1%	-10.7%	-11.7%	-12.2%	-7.2%	-7.19%
EBITDA 3Y	1.3%	72.5%	50.4%	34.9%	31.9%	37.8%	37.5%	6.9%	-11.2%	-34.9%	-42.0%	-41.9%	-43.8%	-20.9%	-17.2%	-11.9%	-9.9%	-13.6%	-7.7%	2.4%	2.43%
EBITDA 5Y	—	—	—	—	—	—	—	—	49.7%	11.2%	-0.9%	-7.3%	-12.6%	3.6%	7.5%	-2.6%	-8.5%	-10.1%	-10.9%	-6.4%	-6.38%
Gross Profit 3Y	86.6%	50.7%	32.0%	19.4%	18.9%	19.0%	17.7%	11.3%	3.6%	-4.0%	-7.4%	-7.3%	-6.1%	-2.5%	-3.0%	-3.2%	-3.3%	-2.8%	-1.3%	2.7%	2.67%
Gross Profit 5Y	—	—	—	—	—	—	—	—	45.7%	23.9%	13.0%	5.8%	4.8%	6.7%	6.5%	4.7%	1.8%	1.4%	0.6%	1.9%	1.90%
Op. Income 3Y	1.4%	82.6%	58.8%	41.5%	36.2%	41.4%	40.0%	5.8%	-13.4%	-40.2%	-48.2%	-48.8%	-53.0%	-24.8%	-20.5%	-14.4%	-11.8%	-14.5%	-8.0%	3.0%	2.97%
Op. Income 5Y	—	—	—	—	—	—	—	—	53.0%	9.5%	-3.8%	-10.8%	-19.1%	2.6%	6.6%	-4.5%	-10.5%	-11.5%	-12.1%	-7.2%	-7.24%
FCF 3Y	58.9%	83.9%	1.0%	74.2%	—	—	—	—	—	—	—	-36.7%	-40.3%	—	-64.4%	-38.4%	-71.4%	—	-66.0%	-8.8%	-8.83%
FCF 5Y	—	—	—	—	—	—	—	—	4.0%	-5.5%	-3.6%	6.9%	—	—	—	—	—	—	—	-12.4%	-12.36%
OCF 3Y	59.6%	83.4%	1.0%	71.5%	—	—	—	—	—	—	—	-34.9%	-39.2%	—	-61.6%	-35.1%	-58.9%	—	-52.8%	-7.1%	-7.12%
OCF 5Y	—	—	—	—	—	—	—	—	6.2%	-3.7%	-2.3%	7.4%	—	—	—	—	—	—	—	-10.3%	-10.26%
Assets 3Y	25.5%	32.6%	31.1%	28.8%	29.0%	31.8%	29.9%	18.4%	15.0%	14.7%	9.9%	13.5%	11.9%	4.9%	4.1%	6.0%	5.9%	3.2%	3.0%	2.5%	2.51%
Assets 5Y	—	—	—	—	—	—	—	—	23.4%	22.4%	20.7%	19.8%	18.0%	18.5%	16.5%	10.8%	10.4%	9.8%	7.9%	10.0%	10.01%
Equity 3Y	15.3%	23.3%	23.1%	23.1%	23.2%	23.6%	23.1%	20.2%	18.1%	16.1%	15.0%	13.7%	12.4%	4.8%	4.7%	4.3%	3.6%	3.3%	4.5%	5.0%	5.02%
Book Value 3Y	11.2%	20.8%	14.7%	14.9%	15.2%	15.6%	14.9%	12.5%	10.7%	8.8%	8.3%	7.4%	6.0%	-0.5%	4.6%	4.0%	2.7%	2.4%	3.7%	4.1%	4.06%
Dividend 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

Growth Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue Stability	0.83	0.83	0.85	0.92	0.89	0.88	0.85	0.86	0.93	0.95	0.95	0.93	0.93	0.95	0.96	0.92	0.90	0.95	0.97	0.95	0.948
Earnings Stability	0.91	0.77	0.59	0.53	0.65	0.69	0.45	0.28	0.35	0.07	0.01	0.01	0.12	0.12	0.13	0.38	0.64	0.56	0.50	0.27	0.268
Margin Stability	0.95	0.94	0.94	0.94	0.95	0.94	0.91	0.85	0.83	0.78	0.75	0.73	0.71	0.71	0.70	0.70	0.68	0.69	0.70	0.70	0.699
Rev. Growth Consistency	1.00	0.00	0.00	1.00	1.00	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	1.00	0.00	0.00	0.00	0.00	0.50	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.000
FCF Positive Streak	0	0	0	1	1	1	1	1	1	1	1	1	1	0	1	1	1	0	1	1	1
Earnings Persistence	0.98	0.94	0.88	0.87	0.91	0.98	1.00	0.97	0.91	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.80	0.50	0.500
Earnings Smoothness	0.94	0.83	0.63	0.63	0.74	0.95	0.99	0.93	0.74	0.00	0.00	0.00	0.00	0.53	0.11	0.00	0.00	0.56	0.60	0.54	0.542
ROE Trend	0.03	-0.02	-0.03	-0.05	-0.06	-0.04	-0.05	-0.05	-0.05	-0.07	-0.07	-0.06	-0.06	-0.02	-0.01	0.00	0.01	0.02	0.03	0.04	0.036
Gross Margin Trend	0.09	0.08	0.07	0.05	0.00	-0.07	-0.16	-0.27	-0.33	-0.40	-0.39	-0.35	-0.31	-0.17	-0.10	-0.03	0.00	0.04	0.05	0.07	0.073
FCF Margin Trend	0.96	2.19	2.27	0.27	0.25	0.03	-0.07	-0.21	-0.49	-0.86	-0.90	-0.23	-0.26	-0.25	-0.18	-0.07	-0.10	-0.09	-0.06	0.06	0.057
Sustainable Growth Rate	14.5%	11.0%	10.5%	9.3%	8.9%	9.4%	8.6%	7.2%	5.8%	2.2%	1.6%	1.4%	0.9%	3.3%	3.9%	4.5%	4.9%	5.1%	5.7%	6.8%	6.84%
Internal Growth Rate	1.2%	0.9%	0.8%	0.8%	0.8%	0.8%	0.7%	0.6%	0.5%	0.2%	0.1%	0.1%	0.1%	0.3%	0.3%	0.4%	0.4%	0.4%	0.5%	0.6%	0.59%

Cash Flow Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	2.97	7.91	8.58	2.43	3.62	2.28	2.60	1.96	1.67	4.19	4.74	3.63	6.26	-0.06	0.97	1.06	0.36	-0.14	0.36	1.45	1.449
FCF/OCF	0.97	0.99	0.99	0.95	0.96	0.94	0.93	0.90	0.88	0.89	0.91	0.88	0.92	3.23	0.79	0.81	0.33	3.21	0.35	0.85	0.854
FCF/Net Income	snapshot only																				1.237
OCF/EBITDA	snapshot only																				0.996
CapEx/Revenue	2.3%	2.1%	1.4%	2.0%	2.0%	2.3%	2.7%	2.1%	1.8%	1.4%	1.0%	0.8%	0.7%	0.7%	1.2%	1.3%	1.7%	2.1%	1.9%	2.0%	2.01%
CapEx/Depreciation	snapshot only																				1.962
Accruals Ratio	-0.02	-0.06	-0.06	-0.01	-0.02	-0.01	-0.01	-0.01	-0.00	-0.01	-0.00	-0.00	-0.00	0.00	0.00	-0.00	0.00	0.00	0.00	-0.00	-0.003
Sloan Accruals	snapshot only																				-0.155
Cash Flow Adequacy	snapshot only																				6.842
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.1%	0.1%	0.1%	0.1%	0.0%	0.0%	0.0%	0.0%	0.00%
Dividend/Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.02	$0.02	$0.02	$0.02	$0.00	$0.00	$0.00	$0.00	$0.00
Payout Ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	9.5%	2.8%	2.4%	2.1%	0.0%	0.0%	0.0%	0.0%	0.00%
FCF Payout Ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	1.7%	—	3.1%	2.4%	0.0%	—	0.0%	0.0%	0.00%
Total Payout Ratio	1.6%	1.8%	1.8%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	14.9%	4.4%	3.7%	7.4%	6.2%	5.9%	6.1%	2.4%	2.42%
Div. Increase Streak	—	—	—	—	—	—	—	—	—	—	—	—	0	0	0	0	—	—	—	—	—
Chowder Number	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Buyback Yield	0.2%	0.1%	0.1%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.1%	0.1%	0.1%	0.3%	0.3%	0.3%	0.4%	0.1%	0.14%
Net Buyback Yield	0.2%	0.1%	0.1%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.1%	0.1%	0.1%	0.3%	0.3%	0.3%	0.3%	0.1%	0.11%
Total Shareholder Return	0.2%	0.1%	0.1%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.2%	0.2%	0.2%	0.4%	0.3%	0.3%	0.3%	0.1%	0.11%

DuPont Factors

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	0.74	0.76	0.76	0.75	0.75	0.75	0.75	0.75	0.74	0.74	0.72	0.72	0.76	0.73	0.76	0.76	0.76	0.77	0.77	0.77	0.771
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.95	0.96	0.96	0.963
EBIT Margin	0.32	0.27	0.25	0.23	0.21	0.23	0.19	0.15	0.12	0.04	0.03	0.03	0.02	0.07	0.08	0.09	0.09	0.10	0.11	0.13	0.128
Asset Turnover	0.05	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.062
Equity Multiplier	12.47	12.04	12.45	11.49	11.72	11.73	11.97	11.80	11.91	12.08	12.16	12.15	11.95	11.91	11.63	11.79	12.06	11.73	11.60	11.61	11.614

Per Share

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$2.86	$2.46	$2.06	$1.89	$1.88	$2.24	$2.05	$1.76	$1.43	$0.54	$0.40	$0.36	$0.26	$0.87	$1.04	$1.18	$1.27	$1.32	$1.53	$1.85	$1.85
Book Value/Share	$21.24	$26.17	$22.87	$23.46	$24.28	$24.82	$24.64	$25.01	$25.27	$24.92	$25.28	$25.32	$25.32	$25.76	$26.18	$26.39	$26.27	$26.67	$27.46	$28.18	$29.49
Tangible Book/Share	$18.30	$22.36	$19.56	$20.15	$20.95	$21.52	$21.35	$21.71	$22.00	$21.65	$22.01	$22.06	$22.10	$22.53	$22.96	$23.17	$23.10	$23.52	$24.31	$25.04	$25.04
Revenue/Share	$12.16	$12.07	$10.67	$11.09	$11.80	$13.14	$14.36	$15.64	$16.53	$16.98	$17.56	$17.97	$18.09	$18.15	$18.03	$17.88	$18.08	$18.72	$19.06	$19.50	$19.89
FCF/Share	$8.20	$19.23	$17.54	$4.37	$6.55	$4.79	$4.95	$3.11	$2.10	$2.01	$1.73	$1.15	$1.46	$-0.18	$0.79	$1.01	$0.15	$-0.58	$0.19	$2.29	$2.33
OCF/Share	$8.48	$19.49	$17.69	$4.59	$6.79	$5.10	$5.34	$3.44	$2.39	$2.25	$1.91	$1.30	$1.60	$-0.06	$1.00	$1.25	$0.46	$-0.18	$0.55	$2.68	$2.73
Cash/Share	$41.53	$52.77	$52.40	$17.62	$17.08	$20.25	$30.32	$30.72	$27.86	$26.13	$26.56	$25.21	$28.11	$24.10	$27.72	$23.68	$35.72	$5.56	$30.73	$10.44	$47.15
EBITDA/Share	$3.99	$3.41	$2.88	$2.70	$2.71	$3.20	$2.97	$2.58	$2.15	$0.97	$0.81	$0.75	$0.59	$1.44	$1.63	$1.83	$1.93	$2.01	$2.29	$2.69	$2.69
Debt/Share	$11.83	$9.28	$6.16	$12.33	$31.61	$20.51	$32.22	$37.66	$32.04	$18.28	$12.55	$25.02	$11.69	$11.19	$9.82	$21.21	$9.60	$10.81	$9.52	$8.16	$8.16
Net Debt/Share	$-29.70	$-43.49	$-46.24	$-5.29	$14.53	$0.26	$1.90	$6.94	$4.18	$-7.84	$-14.01	$-0.19	$-16.42	$-12.91	$-17.90	$-2.47	$-26.12	$5.25	$-21.21	$-2.27	$-2.27

Academic Models

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	1.521
Altman Z-Prime	snapshot only																				-5.346
Piotroski F-Score	7	6	5	4	3	4	5	6	6	6	6	5	6	5	7	6	5	5	6	7	7
Beneish M-Score	-2.56	-2.57	-2.87	-2.02	-2.09	-1.93	-1.95	-1.80	-1.96	-1.56	-2.14	-2.33	-2.22	-2.74	-2.64	-2.58	-2.59	-2.54	-2.61	-2.69	-2.690
Ohlson O-Score	snapshot only																				-1.839
Net-Net WC	snapshot only																				$-284.97
EVA	snapshot only																				$-6650523.85

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				BB-
Credit Score	72.53	68.72	69.89	55.09	37.66	41.85	37.94	33.70	32.64	29.71	31.69	26.72	30.45	28.93	33.52	31.17	30.89	31.82	32.77	39.90	39.900
Credit Grade	snapshot only																				13
Credit Trend	snapshot only																				8.728
Implied Spread (bps)	snapshot only																				550.000
Industry Credit Rank	snapshot only																				21
Sector Credit Rank	snapshot only																				24

MYFW NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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