Broadway Financial (BYFC) AI Stock Analysis

• Market Cap: $67.50M
• Dividend Yield: N/A
• Average Volume (3M): 1.94K
• Price to Earnings (P/E): 158.7
• Beta (1Y): 0.96
• Revenue Growth: 2.54%
• EPS Growth: -174.74%
• Country: US
• Employees: 106
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): -0.02
• Shares Outstanding: 6,097,773
• 10 Day Avg. Volume: 2,340
• 30 Day Avg. Volume: 1,935
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 5.09
• Enterprise Value/Revenue: 5.45
• Enterprise Value/Gross Profit: 8.71
• Enterprise Value/Ebitda: 119.28
• 1Y Price Target: $7.50
• Price Target Upside: 2.18% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 49 Neutral
• Price Target: $7.50 ▲(2.18% Upside)

Broadway Financial's overall stock score is primarily influenced by its financial performance and technical analysis. The company's declining profitability and lack of cash flow data are significant concerns. Additionally, the technical indicators suggest a bearish trend, further impacting the score. The negative P/E ratio and absence of a dividend yield also weigh heavily on the valuation.

Broadway Financial Business Overview & Revenue Model

Company Description

Broadway Financial Corporation operates as the holding company for City First Bank, National Association that provides various banking products and services in the United States. It accepts various deposit accounts, including savings accounts, checking accounts, NOW accounts, money market accounts, and fixed-term certificates of deposit. The company also offers mortgage loans, which are secured by multi-family residential properties; single family residential properties; and commercial real estate, including charter schools, community facilities, and churches, as well as commercial business, construction, and consumer loans. In addition, it invests in securities issued by federal government agencies, residential mortgage-backed securities, and other investments. The company operates through three branch offices. Broadway Financial Corporation was founded in 1946 and is headquartered in Los Angeles, California.

How the Company Makes Money

Broadway Financial generates revenue primarily through interest income from loans, which includes residential mortgages, commercial real estate loans, and other types of lending. The bank earns interest on the loans it originates, which is a significant source of its overall revenue. Additionally, the company generates non-interest income from fees associated with deposit accounts, service charges, and other banking services. Partnerships with community organizations and participation in government programs aimed at promoting affordable housing and economic development also enhance its earnings potential. Furthermore, effective asset management and maintaining a diversified loan portfolio help mitigate risks and contribute positively to the company's financial performance.

Broadway Financial Financial Statement Overview

Summary

Broadway Financial's financial performance presents a mixed picture. There are signs of improvement in leverage management, but declining profitability and missing cash flow data present challenges. The company displays moderate stability with some areas requiring attention, particularly in profitability and cash flow visibility.

Income Statement

Broadway Financial has shown a decline in total revenue over the past year, with a reduction from $33.89M to $32.66M. The gross profit margin remains stable at 100% due to the nature of the banking industry. However, the net profit margin decreased from 13.32% to 5.90%, indicating a decline in profitability. The EBIT margin also decreased from 19.25% to 18.39%. Overall, income stability is moderate with declining profitability.

Balance Sheet

The company has a relatively high debt-to-equity ratio of 0.69 in 2024, down from 1.15 in 2023, indicating improved leverage management. The return on equity (ROE) decreased from 1.60% to 0.67%, reflecting lower returns for shareholders. The equity ratio increased slightly to 21.87%, suggesting a modest improvement in financial stability. Overall, the balance sheet shows moderate stability with improved leverage but declining returns.

Cash Flow

Operating cash flow and free cash flow are not available for 2024, making it challenging to assess cash flow health. In the previous year, the operating cash flow to net income ratio was 1.68, indicating strong cash generation relative to net income. However, the lack of current data limits assessment. Overall, cash flow stability is uncertain due to missing data.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	63.76M	52.59M	37.46M	27.97M	18.67M
Gross Profit	32.66M	33.89M	33.06M	24.04M	13.16M
EBITDA	3.52M	7.30M	8.93M	-4.21M	-928.00K
Net Income	1.93M	4.51M	5.64M	-4.05M	-642.00K
Balance Sheet
Total Assets	1.30B	1.38B	1.18B	1.09B	483.38M
Cash, Cash Equivalents and Short-Term Investments	146.32M	422.14M	344.85M	387.92M	106.81M
Total Debt	262.14M	396.79M	205.81M	151.91M	113.81M
Total Liabilities	1.02B	1.09B	904.64M	952.40M	434.49M
Stockholders Equity	285.16M	281.90M	279.48M	141.00M	48.88M
Cash Flow
Free Cash Flow	1.25M	7.39M	6.00M	-514.00K	-13.97M
Operating Cash Flow	1.39M	7.59M	6.32M	624.00K	-13.55M
Investing Cash Flow	28.22M	-100.04M	-323.96M	25.02M	50.71M
Financing Cash Flow	-73.45M	181.54M	102.22M	109.82M	43.39M

Broadway Financial Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 7.34
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BYFC, the sentiment is Neutral. The current price of 7.34 is below the 20-day moving average (MA) of 7.56, below the 50-day MA of 7.75, and above the 200-day MA of 7.19, indicating a neutral trend. The MACD of -0.12 indicates Positive momentum. The RSI at 42.23 is Neutral, neither overbought nor oversold. The STOCH value of 14.74 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for BYFC.

Broadway Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BOTJ	80 Outperform	69.67M	9.78	5.03%	2.61%	9.06%	-16.04%
SSBI	58 Neutral	79.99M	-49.98	-4.57%	3.34%	-0.03%	-126.57%
BAFN	58 Neutral	34.81M	4.93	8.63%	3.80%	7.07%	96.65%
BYFC	49 Neutral	$67.50M	158.72	0.22%	―	2.54%	-174.74%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Broadway Financial Corporate Events

Broadway Financial Faces Nasdaq Non-Compliance Notice

On August 21, 2025, Broadway Financial Corporation received a notification from Nasdaq regarding non-compliance with Listing Rule 5250(c)(1) due to the late filing of its Form 10-Q for the quarter ended June 30, 2025. The delay was attributed to the need for additional time to evaluate participation agreements for compliance with accounting standards. Nasdaq has given the company 60 days to submit a compliance plan, with the potential for an extension until February 16, 2026, if the plan is accepted. The company aims to file the Form 10-Q promptly to meet the deadline.

The most recent analyst rating on (BYFC) stock is a Hold with a $8.50 price target. To see the full list of analyst forecasts on Broadway Financial stock, see the BYFC Stock Forecast page.

Broadway Financial Holds Annual Meeting of Stockholders

On June 30, 2025, Broadway Financial Corporation held its Annual Meeting of Stockholders where several key decisions were made. The stockholders elected the nominees for the Board of Directors to serve until 2028, ratified the appointment of Crowe LLP as the independent registered public accounting firm for the fiscal year ending December 31, 2025, approved the executive compensation on an advisory basis, and agreed to amend the Certificate of Incorporation to remove a provision regarding the removal of directors.