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Broadway Financial (BYFC) AI Stock Analysis
Broadway Financial
(NASDAQ:BYFC)
The overall stock score of 55 reflects a mixed fundamental and technical picture. Financial performance is moderate, balancing solid growth and balance sheet strength against ongoing profitability concerns. Technical indicators suggest strong bullish momentum, though overbought conditions warrant caution. Valuation remains unattractive given the lack of earnings. Positive corporate events provide additional support. The score is weighted most heavily on financial performance and technical analysis.
Broadway Financial (BYFC) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $108.10M
- Dividend Yield
- ―
- Average Volume (3M)
- 2,294
- Price to Earnings (P/E)
- -4.3
- Beta (1Y)
- 0.73
- Revenue Growth
- 10.60%
- EPS Growth
- -935.88%
- Country
- US
- Employees
- 98
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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. Its deposit products include savings accounts, checking accounts, inter...
How the Company Makes Money
BYFC makes money primarily through its banking subsidiary by earning interest income on loans and investments and paying interest on deposits and other borrowings; the difference between these amounts (net interest income) is typically the core earni...
Broadway Financial Financial Statement Overview
Summary
Broadway Financial has delivered robust revenue and asset growth, and its balance sheet is well-capitalized with manageable debt. However, recent net losses have pressured margins, leading to a moderate overall financial score.
Income Statement
30NegativeBalance Sheet
55NeutralCash Flow
50Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 69.25M | 63.03M | 65.50M | 52.59M | 37.46M | 27.97M |
| Gross Profit | 36.64M | 32.71M | 32.66M | 33.89M | 33.06M | 24.04M |
| EBITDA | -17.77M | -24.06M | 3.53M | 7.30M | 8.93M | -4.21M |
| Net Income | -20.31M | -24.80M | 1.93M | 4.51M | 5.64M | -4.05M |
Balance Sheet | ||||||
| Total Assets | 1.56B | 1.35B | 1.33B | 1.41B | 1.18B | 1.09B |
| Cash, Cash Equivalents and Short-Term Investments | 375.94M | 22.32M | 265.23M | 422.14M | 344.85M | 387.92M |
| Total Debt | 175.93M | 152.77M | 293.50M | 428.23M | 205.81M | 151.91M |
| Total Liabilities | 1.30B | 1.08B | 1.05B | 1.12B | 904.64M | 952.40M |
| Stockholders Equity | 262.30M | 262.75M | 284.97M | 281.72M | 279.48M | 141.00M |
Cash Flow | ||||||
| Free Cash Flow | 6.18M | -13.00K | 1.25M | 7.39M | 6.00M | -514.00K |
| Operating Cash Flow | 6.74M | 230.00K | 1.39M | 7.59M | 6.32M | 624.00K |
| Investing Cash Flow | -331.08M | -79.40M | 28.30M | -100.04M | -323.96M | 25.02M |
| Financing Cash Flow | 343.73M | 28.31M | -73.53M | 181.54M | 102.22M | 109.82M |
Broadway Financial Technical Analysis
Price Trends
Market Momentum
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 11.60 is above the 20-day moving average (MA) of 11.46, below the 50-day MA of 11.73, and above the 200-day MA of 9.68, indicating a neutral trend. The MACD of -0.08 indicates Negative momentum. The RSI at 48.53 is Neutral, neither overbought nor oversold. The STOCH value of 73.92 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.
Latest Risks Added
1 New RiskBroadway Financial Peers Comparison
Overall Rating
FUSB73Outperform
BOTJ69Neutral
UBCP69Neutral- BYFC55Neutral
SSBI52Neutral
FNWB44Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| FUSB | 73Outperform | $90.83M | 11.92 | 7.58% | 1.70% | 3.80% | 43.33% |
| BOTJ | 69Neutral | $107.95M | 9.06 | 14.94% | 1.67% | 7.06% | 52.33% |
| UBCP | 69Neutral | $81.21M | 10.16 | 11.53% | 6.58% | 6.21% | 8.32% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| BYFC | 55Neutral | $106.33M | -4.30 | -7.74% | ― | 10.60% | -935.88% |
| SSBI | 52Neutral | $77.40M | 190.33 | 0.33% | ― | -7.24% | ― |
| FNWB | 44Neutral | $97.30M | -1107.53 | -0.03% | ― | -6.23% | 99.73% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| BYFC | Broadway Financial | 11.65 | 5.35 | 84.92% | |
| BOTJ | Bank Of The James Financial Group, Inc. | 24.01 | 7.80 | 48.07% | |
| SSBI | Summit State Bank | 11.42 | 0.57 | 5.25% | |
| UBCP | United Bancorp | 14.43 | 2.45 | 20.42% | |
| FUSB | First Us Bancshares | 16.45 | 3.77 | 29.76% | |
| FNWB | First Northwest Bancorp | 10.30 | 1.40 | 15.73% |
Broadway Financial Corporate Events
Broadway Financial Reports Strong Growth Despite Lower Quarterly Profit
PositiveBroadway Financial Corporation reported that for the second quarter of 2026, net income attributable to common stockholders declined to $218,000 from $409,000 in the prior quarter, though it was significantly higher than the $2,000 earned in the same...
Broadway Financial Shareholders Back Governance and Compensation Plans
PositiveAt its annual meeting of stockholders held on June 17, 2026, Broadway Financial Corporation secured shareholder support for all board-backed governance proposals, reinforcing continuity in its leadership and oversight. Stockholders elected the slate...
Broadway Financial Appoints New Chief Legal Officer
PositiveOn June 18, 2026, Broadway Financial Corporation announced that financial services veteran Tina Carew has been appointed Executive Vice President, Chief Legal Officer and Corporate Secretary of City First Broadway, effective June 17, 2026. She will o...
Broadway Financial Highlights Mission-Driven Strategy in Q1 2026
PositiveIn 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 le...
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.
Date of analysis: Aug 17, 2026