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BROADWAY FINANCIAL CORP/DE (BYFC) Stock Fundamental Analysis

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

6.16  -0.1 (-1.6%)

Fundamental Rating

1

BYFC gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. BYFC may be in some trouble as it scores bad on both profitability and health. BYFC has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

BYFC had positive earnings in the past year.
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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M -5M 10M -10M

1.2 Ratios

The Return On Assets of BYFC (0.01%) is worse than 89.62% of its industry peers.
BYFC's Return On Equity of 0.07% is on the low side compared to the rest of the industry. BYFC is outperformed by 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

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 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.
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

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's Debt to FCF ratio of 53.08 is on the low side compared to the rest of the industry. BYFC is outperformed by 86.33% of its industry peers.
BYFC has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
BYFC has a Debt to Equity ratio of 0.23. This is in the lower half of the industry: BYFC underperforms 63.04% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 53.08
Altman-Z N/A
ROIC/WACCN/A
WACC7.5%
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. Growth

3.1 Past

The earnings per share for BYFC have decreased strongly by -95.29% in the last year.
BYFC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 18.19%.
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)-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

Based on the Price/Earnings ratio of 308.00, the valuation of BYFC can be described as expensive.
Based on the Price/Earnings ratio, BYFC is valued expensively inside the industry as 89.11% of the companies are valued cheaper.
The average S&P500 Price/Earnings ratio is at 26.35. BYFC is valued rather expensively when compared to this.
Industry RankSector Rank
PE 308
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

Based on the Price/Free Cash Flow ratio, BYFC is valued more expensive than 81.27% of the companies in the same industry.
Industry RankSector Rank
P/FCF 30.09
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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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 (5/27/2025, 8:05:23 PM)

6.16

-0.1 (-1.6%)

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 Cap37.76M
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
Fwd PE N/A
P/S 0.92
P/FCF 30.09
P/OCF 27.11
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
OCFY3.69%
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
WACC7.5%
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%