BROADWAY FINANCIAL CORP/DE (BYFC)
US1114447097 - Common Stock
BYFC gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 412 industry peers in the Banks industry. BYFC may be in some trouble as it scores bad on both profitability and health. BYFC is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year BYFC was profitable.
In the past year BYFC had a positive cash flow from operations.
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.
1.2 Ratios
The Return On Assets of BYFC (0.37%) is worse than 83.50% of its industry peers.
BYFC's Return On Equity of 1.66% is on the low side compared to the rest of the industry. BYFC is outperformed by 91.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.37% | ||
| ROE | 1.66% | ||
| ROIC | N/A |
ROA(3y)-0.01%
ROA(5y)0.02%
ROE(3y)-0.73%
ROE(5y)-0.19%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 13.37%, BYFC is doing worse than 81.80% of the companies in the same industry.
In the last couple of years the Profit Margin of BYFC has grown nicely.
BYFC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 13.37% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y3.27%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
BYFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
BYFC has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, BYFC has more shares outstanding
The debt/assets ratio for BYFC is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of BYFC is 9.44, which is on the high side as it means it would take BYFC, 9.44 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 9.44, BYFC is not doing good in the industry: 77.43% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.31 indicates that BYFC is not too dependend on debt financing.
BYFC's Debt to Equity ratio of 0.31 is on the low side compared to the rest of the industry. BYFC is outperformed by 61.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | 9.44 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC3.37%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 200.00% over the past year.
Measured over the past 5 years, BYFC shows a small growth in Earnings Per Share. The EPS has been growing by 5.92% on average per year.
Looking at the last year, BYFC shows a quite strong growth in Revenue. The Revenue has grown by 18.66% in the last year.
Measured over the past years, BYFC shows a very strong growth in Revenue. The Revenue has been growing by 20.71% on average per year.
EPS 1Y (TTM)200%
EPS 3YN/A
EPS 5Y5.92%
EPS growth Q2Q-100%
Revenue 1Y (TTM)18.66%
Revenue growth 3Y43.57%
Revenue growth 5Y20.71%
Revenue growth Q2Q-9.28%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 81.75 indicates a quite expensive valuation of BYFC.
93.20% of the companies in the same industry are cheaper than BYFC, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of BYFC to the average of the S&P500 Index (28.28), we can say BYFC is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 81.75 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BYFC is valued cheaply inside the industry as 94.42% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.35 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)13.8
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for BYFC!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
BROADWAY FINANCIAL CORP/DE
NASDAQ:BYFC (5/3/2024, 7:00:02 PM)
4.905
+0.04 (+0.72%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap30.31M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 81.75 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)13.8
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.37% | ||
| ROE | 1.66% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 13.37% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)200%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)18.66%
Revenue growth 3Y43.57%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y