BROADWAY FINANCIAL CORP/DE (BYFC) Fundamental Analysis & Valuation

NASDAQ:BYFC • US1114447097

Current stock price

7.79 USD
-0.03 (-0.32%)
Last:

This BYFC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. BYFC Profitability Analysis

1.1 Basic Checks

  • BYFC had negative earnings in the past year.
  • BYFC had a positive operating cash flow in the past year.
  • In multiple years BYFC reported negative net income over the last 5 years.
  • Of the past 5 years BYFC 4 years had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M -5M -10M

1.2 Ratios

  • BYFC has a worse Return On Assets (-0.18%) than 91.08% of its industry peers.
  • BYFC has a worse Return On Equity (-0.79%) than 91.08% of its industry peers.
Industry RankSector Rank
ROA -0.18%
ROE -0.79%
ROIC N/A
ROA(3y)0.27%
ROA(5y)0.06%
ROE(3y)1.21%
ROE(5y)-0.11%
ROIC(3y)N/A
ROIC(5y)N/A
BYFC Yearly ROA, ROE, ROICBYFC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 -2 4 6

1.3 Margins

  • BYFC does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20

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1

2. BYFC Health Analysis

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.
  • The number of shares outstanding for BYFC has been reduced compared to 5 years ago.
  • BYFC has a better debt/assets ratio than last year.
BYFC Yearly Shares OutstandingBYFC Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

2.2 Solvency

  • The Debt to FCF ratio of BYFC is 50.28, which is on the high side as it means it would take BYFC, 50.28 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 50.28, BYFC is doing worse than 84.78% of the companies in the same industry.
  • A Debt/Equity ratio of 0.33 indicates that BYFC is not too dependend on debt financing.
  • BYFC's Debt to Equity ratio of 0.33 is on the low side compared to the rest of the industry. BYFC is outperformed by 69.82% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 50.28
Altman-Z N/A
ROIC/WACCN/A
WACC7.09%
BYFC Yearly LT Debt VS Equity VS FCFBYFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. BYFC Growth Analysis

3.1 Past

  • The earnings per share for BYFC have decreased strongly by -188.05% in the last year.
  • Looking at the last year, BYFC shows a very negative growth in Revenue. The Revenue has decreased by -20.75% in the last year.
  • Measured over the past years, BYFC shows a very strong growth in Revenue. The Revenue has been growing by 23.69% on average per year.
EPS 1Y (TTM)-188.05%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-95.65%
Revenue 1Y (TTM)-20.75%
Revenue growth 3Y11.24%
Revenue growth 5Y23.69%
Sales Q2Q%-49.38%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

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0

4. BYFC Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for BYFC. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
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 0 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 slightly more expensive valuation: BYFC is more expensive than 78.74% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 25.31
EV/EBITDA N/A
BYFC Per share dataBYFC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 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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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. BYFC Dividend Analysis

5.1 Amount

  • No dividends for BYFC!.
Industry RankSector Rank
Dividend Yield 0%

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BYFC Fundamentals: All Metrics, Ratios and Statistics

BROADWAY FINANCIAL CORP/DE

NASDAQ:BYFC (3/17/2026, 8:02:03 PM)

7.79

-0.03 (-0.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-27
Inst Owners25.3%
Inst Owner Change0.26%
Ins Owners5.1%
Ins Owner Change0.98%
Market Cap47.36M
Revenue(TTM)33.74M
Net Income(TTM)-2.24M
Analysts0
Price TargetN/A
Short Float %0.29%
Short Ratio1.57
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0.17
Dividend Growth(5Y)-11.13%
DP-133.81%
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 N/A
Fwd PE N/A
P/S 1.4
P/FCF 25.31
P/OCF 24.45
P/B 0.17
P/tB 0.18
EV/EBITDA N/A
EPS(TTM)-0.27
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.31
FCFY3.95%
OCF(TTM)0.32
OCFY4.09%
SpS5.55
BVpS46.82
TBVpS42.3
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -0.18%
ROE -0.79%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 5.54%
ROA(3y)0.27%
ROA(5y)0.06%
ROE(3y)1.21%
ROE(5y)-0.11%
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
ROICexgc growth 3YN/A
ROICexgc 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-Score3
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 50.28
Debt/EBITDA N/A
Cap/Depr 10.49%
Cap/Sales 0.2%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
WACC7.09%
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)211.55%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-188.05%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-95.65%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-20.75%
Revenue growth 3Y11.24%
Revenue growth 5Y23.69%
Sales Q2Q%-49.38%
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-79.33%
FCF growth 3YN/A
FCF growth 5Y-31.77%
OCF growth 1Y-78.04%
OCF growth 3Y30.97%
OCF growth 5Y-30.4%

BROADWAY FINANCIAL CORP/DE / BYFC Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for BROADWAY FINANCIAL CORP/DE?

ChartMill assigns a fundamental rating of 1 / 10 to BYFC.


What is the valuation status for BYFC stock?

ChartMill assigns a valuation rating of 0 / 10 to BROADWAY FINANCIAL CORP/DE (BYFC). This can be considered as Overvalued.


Can you provide the profitability details for BROADWAY FINANCIAL CORP/DE?

BROADWAY FINANCIAL CORP/DE (BYFC) has a profitability rating of 1 / 10.


Can you provide the dividend sustainability for BYFC stock?

The dividend rating of BROADWAY FINANCIAL CORP/DE (BYFC) is 0 / 10 and the dividend payout ratio is -133.81%.