BROADWAY FINANCIAL CORP/DE (BYFC) Stock Fundamental Analysis
NASDAQ:BYFC - Nasdaq - US1114447097 - Common Stock - Currency: USD
We assign a fundamental rating of 1 out of 10 to BYFC. BYFC was compared to 395 industry peers in the Banks industry. BYFC may be in some trouble as it scores bad on both profitability and health. BYFC does not seem to be growing, but still is valued expensively.
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.
Of the past 5 years BYFC 4 years had a positive operating cash flow.
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.
Looking at the Return On Equity, with a value of 0.07%, BYFC is doing worse than 89.62% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
BYFC has a Profit Margin of 0.46%. This is amonst the worse of the industry: BYFC underperforms 89.62% of its industry peers.
The Operating Margin and Gross Margin are not available for BYFC so they could not be analyzed.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
BYFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, BYFC has more shares outstanding
BYFC has less shares outstanding than it did 5 years ago.
BYFC has a better debt/assets ratio than last year.
2.2 Solvency
BYFC has a debt to FCF ratio of 53.08. This is a negative value and a sign of low solvency as BYFC would need 53.08 years to pay back of all of its debts.
With a Debt to FCF ratio value of 53.08, BYFC is not doing good in the industry: 86.33% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.23 indicates that BYFC is not too dependend on debt financing.
BYFC has a worse Debt to Equity ratio (0.23) than 63.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 53.08 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.51%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 315.00 indicates a quite expensive valuation of BYFC.
Based on the Price/Earnings ratio, BYFC is valued more expensive than 89.11% of the companies in the same industry.
BYFC's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 26.25.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 315 | ||
| Fwd PE | N/A |
4.2 Price Multiples
81.01% of the companies in the same industry are cheaper than BYFC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 30.77 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
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 |
NASDAQ:BYFC (5/30/2025, 8:00:01 PM)
6.3
+0.13 (+2.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners18.08%
Inst Owner Change1.44%
Ins Owners4.21%
Ins Owner Change0.92%
Market Cap38.62M
Analysts0
Price TargetN/A
Short Float %0.1%
Short Ratio0.56
Dividend
| Industry Rank | Sector 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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 315 | ||
| Fwd PE | N/A | ||
| P/S | 0.94 | ||
| P/FCF | 30.77 | ||
| P/OCF | 27.72 | ||
| P/B | 0.14 | ||
| 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
FCFY3.25%
OCF(TTM)0.23
OCFY3.61%
SpS6.71
BVpS46.52
TBVpS42.01
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC7.51%
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%