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BROADWAY FINANCIAL CORP/DE (BYFC) Stock Fundamental Analysis

NASDAQ:BYFC - Nasdaq - US1114447097 - Common Stock - Currency: USD

6.1686  +0.01 (+0.14%)

Fundamental Rating

1

Taking everything into account, BYFC scores 1 out of 10 in our fundamental rating. BYFC was compared to 395 industry peers in the Banks industry. BYFC has a bad profitability rating. Also its financial health evaluation is rather negative. BYFC is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year BYFC was profitable.
BYFC had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: BYFC reported negative net income in multiple years.
BYFC had a positive operating cash flow in 4 of the past 5 years.
BYFC Yearly Net Income VS EBIT VS OCF VS FCFBYFC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M -5M 10M -10M

1.2 Ratios

BYFC has a Return On Assets of 0.01%. This is amonst the worse of the industry: BYFC underperforms 89.62% of its industry peers.
BYFC has a Return On Equity of 0.07%. This is amonst the worse of the industry: BYFC underperforms 89.62% of its industry peers.
Industry RankSector Rank
ROA 0.01%
ROE 0.07%
ROIC N/A
ROA(3y)0.27%
ROA(5y)0.06%
ROE(3y)1.24%
ROE(5y)-0.09%
ROIC(3y)N/A
ROIC(5y)N/A
BYFC Yearly ROA, ROE, ROICBYFC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

1.3 Margins

With a Profit Margin value of 0.46%, BYFC is not doing good in the industry: 89.62% of the companies in the same industry are doing better.
BYFC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 0.46%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
BYFC Yearly Profit, Operating, Gross MarginsBYFC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60

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2. Health

2.1 Basic Checks

BYFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for BYFC has been increased compared to 1 year ago.
Compared to 5 years ago, BYFC has less shares outstanding
The debt/assets ratio for BYFC has been reduced compared to a year ago.
BYFC Yearly Shares OutstandingBYFC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
BYFC Yearly Total Debt VS Total AssetsBYFC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

The Debt to FCF ratio of BYFC is 53.08, which is on the high side as it means it would take BYFC, 53.08 years of fcf income to pay off all of its debts.
BYFC has a Debt to FCF ratio of 53.08. This is amonst the worse of the industry: BYFC underperforms 86.33% of its industry peers.
A Debt/Equity ratio of 0.23 indicates that BYFC is not too dependend on debt financing.
BYFC's Debt to Equity ratio of 0.23 is on the low side compared to the rest of the industry. BYFC is outperformed by 63.04% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 53.08
Altman-Z N/A
ROIC/WACCN/A
WACC7.49%
BYFC Yearly LT Debt VS Equity VS FCFBYFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M 200M 250M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BYFC Yearly Current Assets VS Current LiabilitesBYFC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

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3

3. Growth

3.1 Past

BYFC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -95.29%.
Looking at the last year, BYFC shows a quite strong growth in Revenue. The Revenue has grown by 18.19% in the last year.
BYFC shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 23.69% yearly.
EPS 1Y (TTM)-95.29%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-81.21%
Revenue 1Y (TTM)18.19%
Revenue growth 3Y11.24%
Revenue growth 5Y23.69%
Sales Q2Q%-26.39%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
BYFC Yearly Revenue VS EstimatesBYFC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

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4. Valuation

4.1 Price/Earnings Ratio

BYFC is valuated quite expensively with a Price/Earnings ratio of 308.43.
Compared to the rest of the industry, the Price/Earnings ratio of BYFC indicates a rather expensive valuation: BYFC more expensive than 89.11% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.17, BYFC is valued quite expensively.
Industry RankSector Rank
PE 308.43
Fwd PE N/A
BYFC Price Earnings VS Forward Price EarningsBYFC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of BYFC indicates a rather expensive valuation: BYFC more expensive than 81.01% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 30.13
EV/EBITDA N/A
BYFC Per share dataBYFC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

BYFC does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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BROADWAY FINANCIAL CORP/DE

NASDAQ:BYFC (5/29/2025, 1:49:34 PM)

6.1686

+0.01 (+0.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-22 2025-05-22
Earnings (Next)07-28 2025-07-28
Inst Owners18.08%
Inst Owner Change1.44%
Ins Owners4.21%
Ins Owner Change0.92%
Market Cap37.81M
Analysts0
Price TargetN/A
Short Float %0.1%
Short Ratio0.56
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.17
Dividend Growth(5Y)-11.13%
DP820.42%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 308.43
Fwd PE N/A
P/S 0.92
P/FCF 30.13
P/OCF 27.15
P/B 0.13
P/tB 0.15
EV/EBITDA N/A
EPS(TTM)0.02
EY0.32%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.2
FCFY3.32%
OCF(TTM)0.23
OCFY3.68%
SpS6.71
BVpS46.52
TBVpS42.01
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.01%
ROE 0.07%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 0.46%
GM N/A
FCFM 3.05%
ROA(3y)0.27%
ROA(5y)0.06%
ROE(3y)1.24%
ROE(5y)-0.09%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 53.08
Debt/EBITDA N/A
Cap/Depr 18.16%
Cap/Sales 0.34%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 657.07%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC7.49%
ROIC/WACCN/A
Cap/Depr(3y)28.01%
Cap/Depr(5y)120.33%
Cap/Sales(3y)0.65%
Cap/Sales(5y)1.97%
Profit Quality(3y)209.82%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-95.29%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-81.21%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)18.19%
Revenue growth 3Y11.24%
Revenue growth 5Y23.69%
Sales Q2Q%-26.39%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-83.01%
FCF growth 3YN/A
FCF growth 5Y-31.77%
OCF growth 1Y-81.66%
OCF growth 3Y30.97%
OCF growth 5Y-30.4%