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BROADWAY FINANCIAL CORP/DE (BYFC) Stock Fundamental Analysis

NASDAQ:BYFC - US1114447097 - Common Stock

7.51 USD
+0.2 (+2.74%)
Last: 8/25/2025, 8:07:30 PM
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to BYFC. BYFC was compared to 393 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 has reported negative net income.
In the past year BYFC had a positive cash flow from operations.
In multiple years BYFC reported negative net income over the last 5 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 worse Return On Assets (-0.18%) than 91.86% of its industry peers.
Looking at the Return On Equity, with a value of -0.78%, BYFC is doing worse than 91.35% of the companies in the same industry.
Industry RankSector Rank
ROA -0.18%
ROE -0.78%
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

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60

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1

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.
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

BYFC has a debt to FCF ratio of 9.38. This is a negative value and a sign of low solvency as BYFC would need 9.38 years to pay back of all of its debts.
BYFC has a Debt to FCF ratio of 9.38. This is in the lower half of the industry: BYFC underperforms 76.08% of its industry peers.
A Debt/Equity ratio of 0.28 indicates that BYFC is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.28, BYFC is not doing good in the industry: 68.19% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.28
Debt/FCF 9.38
Altman-Z N/A
ROIC/WACCN/A
WACC7.66%
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

The earnings per share for BYFC have decreased strongly by -188.00% in the last year.
Looking at the last year, BYFC shows a very strong growth in Revenue. The Revenue has grown by 22.20%.
The Revenue has been growing by 23.69% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-188%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1451.3%
Revenue 1Y (TTM)22.2%
Revenue growth 3Y11.24%
Revenue growth 5Y23.69%
Sales Q2Q%6.42%

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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2

4. Valuation

4.1 Price/Earnings Ratio

BYFC reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
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 rather cheap valuation: BYFC is cheaper than 91.86% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 5.32
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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0

5. Dividend

5.1 Amount

No dividends for BYFC!.
Industry RankSector Rank
Dividend Yield N/A

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BROADWAY FINANCIAL CORP/DE

NASDAQ:BYFC (8/25/2025, 8:07:30 PM)

7.51

+0.2 (+2.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-28 2025-07-28
Earnings (Next)10-27 2025-10-27
Inst Owners22.43%
Inst Owner Change7.1%
Ins Owners5.17%
Ins Owner Change1.12%
Market Cap45.81M
Analysts0
Price TargetN/A
Short Float %0.13%
Short Ratio0.64
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.17
Dividend Growth(5Y)-11.13%
DP-104.98%
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 1.1
P/FCF 5.32
P/OCF 5.26
P/B 0.16
P/tB 0.18
EV/EBITDA N/A
EPS(TTM)-0.26
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.41
FCFY18.8%
OCF(TTM)1.43
OCFY19.01%
SpS6.83
BVpS46.65
TBVpS42.14
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.18%
ROE -0.78%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 20.67%
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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.28
Debt/FCF 9.38
Debt/EBITDA N/A
Cap/Depr 14.14%
Cap/Sales 0.24%
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-Score5
WACC7.66%
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)-188%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1451.3%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)22.2%
Revenue growth 3Y11.24%
Revenue growth 5Y23.69%
Sales Q2Q%6.42%
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-26.28%
FCF growth 3YN/A
FCF growth 5Y-31.77%
OCF growth 1Y-27%
OCF growth 3Y30.97%
OCF growth 5Y-30.4%