Broadway Financial Corp. (BYFC)
NASDAQ:BYFC
Want to see BYFC full AI Analyst Report?
Top Page
Broadway Financial
(NASDAQ:BYFC)
Select Model
Select Model
Rating:51Neutral
Price Target:
$9.50
▲(16.71% Upside)
Action:Reiterated
Date:06/04/26
The score is held back primarily by weak profitability and ongoing losses despite improved leverage and better recent cash flow. Technicals are moderately supportive (price above key longer-term averages and positive MACD), while valuation is pressured by a negative P/E. Corporate updates are directionally positive, highlighting reduced CRE exposure and improved liquidity, but execution needs to translate into sustained earnings recovery.
Positive Factors
Improved leverage
Debt-to-equity decline to ~0.31 materially strengthens balance-sheet flexibility. Lower leverage reduces funding and regulatory strain, giving the bank capacity to absorb shocks, support lending and liquidity needs, and fund strategic initiatives while management works to restore profitability.
Negative Factors
Weak profitability
Sizable TTM net losses and negative ROE mean the capital base is not earning returns. Persistent unprofitability limits internal capital generation, hampers reserve-building, and constrains the bank's ability to invest in growth or absorb credit or interest-rate shocks until earnings sustainably recover.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved leverage
Debt-to-equity decline to ~0.31 materially strengthens balance-sheet flexibility. Lower leverage reduces funding and regulatory strain, giving the bank capacity to absorb shocks, support lending and liquidity needs, and fund strategic initiatives while management works to restore profitability.
Read all positive factors
Broadway Financial (BYFC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$88.61M
Dividend YieldN/A
Average Volume (3M)2.62K
Price to Earnings (P/E)―
Beta (1Y)0.96
Revenue Growth2.16%
EPS Growth-1083.24%
CountryUS
Employees106
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)-2.75
Shares Outstanding6,180,445
10 Day Avg. Volume4,234
30 Day Avg. Volume2,624
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)0.24
Price to Sales (P/S)1.01
P/FCF Ratio-4.91K
Enterprise Value/Market Cap1.62
Enterprise Value/Revenue2.20
Enterprise Value/Gross Profit3.96
Enterprise Value/Ebitda-7.72
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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, che...
How the Company Makes Money
Broadway Financial primarily makes money through its bank subsidiary by earning net interest income and generating noninterest income. Net interest income is the spread between (1) interest earned on loans and other interest-earning assets (such a...
Broadway Financial Financial Statement Overview
Summary
Income Statement
32
Negative
Balance Sheet
58
Neutral
Cash Flow
45
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 65.25M | 63.03M | 65.50M | 52.59M | 37.46M | 27.97M |
| Gross Profit | 36.24M | 32.71M | 32.66M | 33.89M | 33.06M | 24.04M |
| EBITDA | -18.62M | -24.16M | 3.53M | 7.30M | 8.93M | -4.21M |
| Net Income | -20.53M | -24.80M | 1.93M | 4.51M | 5.64M | -4.05M |
Balance Sheet | ||||||
| Total Assets | 1.43B | 1.35B | 1.33B | 1.38B | 1.18B | 1.09B |
| Cash, Cash Equivalents and Short-Term Investments | 310.71M | 22.32M | 146.32M | 422.14M | 344.85M | 387.92M |
| Total Debt | 81.25M | 152.77M | 293.50M | 396.79M | 205.81M | 151.91M |
| Total Liabilities | 1.16B | 1.08B | 1.05B | 1.09B | 904.64M | 952.40M |
| Stockholders Equity | 262.88M | 262.75M | 284.97M | 281.90M | 279.48M | 141.00M |
Cash Flow | ||||||
| Free Cash Flow | 5.44M | -13.00K | 1.25M | 7.39M | 6.00M | -514.00K |
| Operating Cash Flow | 5.71M | 230.00K | 1.39M | 7.59M | 6.32M | 624.00K |
| Investing Cash Flow | -188.97M | -79.40M | 28.30M | -100.04M | -323.96M | 25.02M |
| Financing Cash Flow | 194.07M | 28.31M | -73.53M | 181.54M | 102.22M | 109.82M |
Broadway Financial Technical Analysis
Positive
8.14
Price Trends
8.62
Positive
8.34
Positive
7.61
Positive
Market Momentum
0.23
Positive
59.97
Neutral
70.75
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BYFC, the sentiment is Positive. The current price of 8.14 is below the 20-day moving average (MA) of 9.73, below the 50-day MA of 8.62, and above the 200-day MA of 7.61, indicating a neutral trend. The MACD of 0.23 indicates Positive momentum. The RSI at 59.97 is Neutral, neither overbought nor oversold. The STOCH value of 70.75 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BYFC.
Broadway Financial Risk Analysis
Broadway Financial disclosed 3 risk factors in its most recent earnings report. Broadway Financial reported the most risks in the "Legal & Regulatory" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Broadway Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $104.22M | 9.52 | 14.13% | 2.18% | 5.49% | 66.01% | |
72 Outperform | $89.22M | 15.00 | 5.92% | 2.08% | 3.98% | -20.75% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $89.20M | 15.09 | 5.95% | ― | -5.51% | ― | |
63 Neutral | $92.93M | 11.22 | 11.80% | 6.51% | 7.19% | 9.14% | |
51 Neutral | $88.61M | -4.06 | -7.66% | ― | 2.16% | -1083.24% | |
48 Neutral | $96.89M | 18.92 | 3.14% | 2.88% | -3.63% | ― |
* Financial Sector Average
BYFC
Broadway Financial
9.68
3.55
57.91%
BOTJ
Bank Of The Jame Financial
22.95
8.96
64.01%
SSBI
Summit State Bank
13.39
3.54
35.94%
UBCP
United Bancorp
15.90
3.02
23.41%
FUSB
First US Bancshares
16.16
3.90
31.84%
FNWB
First Northwest Bancorp
10.32
1.73
20.14%
Broadway Financial Corporate Events
Business Operations and StrategyFinancial Disclosures
Broadway Financial Highlights Mission-Driven Strategy in Q1 2026
Positive
Jun 3, 2026
In its first-quarter 2026 earnings presentation released on June 3, 2026, Broadway Financial detailed its progress as a mission-led commercial bank focused on economic empowerment, noting that from 2021 to 2025 it exceeded targets for directing at...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.