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BROADWAY FINANCIAL CORP/DE (BYFC) Stock Fundamental Analysis

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

8.07  -0.19 (-2.3%)

Fundamental Rating

1

BYFC gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 396 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

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.
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

With a Return On Assets value of 0.01%, BYFC is not doing good in the industry: 90.15% of the companies in the same industry are doing better.
The Return On Equity of BYFC (0.07%) is worse than 90.40% 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

With a Profit Margin value of 0.46%, BYFC is not doing good in the industry: 90.15% of the companies in the same industry are doing better.
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.
The number of shares outstanding for BYFC has been increased compared to 1 year ago.
Compared to 5 years ago, BYFC has less shares outstanding
BYFC has a better debt/assets ratio than last year.
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 85.61% of its industry peers.
A Debt/Equity ratio of 0.23 indicates that BYFC is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.23, BYFC is doing worse than 63.13% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 53.08
Altman-Z N/A
ROIC/WACCN/A
WACC7.76%
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.
The Revenue has grown by 18.19% in the past year. This is quite good.
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.
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 403.50, the valuation of BYFC can be described as expensive.
BYFC's Price/Earnings ratio is rather expensive when compared to the industry. BYFC is more expensive than 88.89% of the companies in the same industry.
When comparing the Price/Earnings ratio of BYFC to the average of the S&P500 Index (28.04), we can say BYFC is valued expensively.
Industry RankSector Rank
PE 403.5
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

BYFC's Price/Free Cash Flow ratio is rather expensive when compared to the industry. BYFC is more expensive than 83.33% of the companies in the same industry.
Industry RankSector Rank
P/FCF 39.42
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 (7/25/2025, 8:00:01 PM)

8.07

-0.19 (-2.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-22 2025-05-22
Earnings (Next)07-28 2025-07-28
Inst Owners22.44%
Inst Owner Change0%
Ins Owners5.59%
Ins Owner Change1.11%
Market Cap49.47M
Analysts0
Price TargetN/A
Short Float %0.12%
Short Ratio0.57
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 403.5
Fwd PE N/A
P/S 1.2
P/FCF 39.42
P/OCF 35.51
P/B 0.17
P/tB 0.19
EV/EBITDA N/A
EPS(TTM)0.02
EY0.25%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.2
FCFY2.54%
OCF(TTM)0.23
OCFY2.82%
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
WACC7.76%
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%