Broadway Financial (BYFC) AI Stock Analysis

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Broadway Financial

(NASDAQ:BYFC)

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Rating:61Neutral

Price Target:$12.50▲(7.57% Upside)

Action:reiterated

Date:11/14/26

Broadway Financial's moderate score reflects a promising but early operational turnaround. The strongest factors are recent corporate events showing a return to quarterly profitability and solid technical momentum across moving averages. However, these positive signals are heavily offset by a weak valuation and severe trailing twelve-month net losses, meaning the company must string together consistent earnings to improve its fundamental standing.

Positive Factors

Revenue GrowthContinued revenue growth indicates that Broadway Financial is expanding its banking activity despite broader earnings pressure. A relatively stable gross margin also suggests the underlying revenue base has not yet experienced meaningful deterioration, supporting future operating leverage if costs normalize.

Negative Factors

Sustained UnprofitabilityDeep operating and net losses indicate that revenue growth is not currently translating into acceptable shareholder returns. Persistently negative profitability can erode retained capital, constrain strategic investment, and make it harder for the bank to convert balance-sheet expansion into durable earnings power.

Broadway Financial (BYFC) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $108.65M
Dividend Yield: ―
Average Volume (3M): 2,643
Price to Earnings (P/E): 60.8
Beta (1Y): 0.77
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...

Broadway Financial Financial Statement Overview

Summary

Broadway Financial presents a mixed profile. Strengths include a significantly deleveraged balance sheet and a recovery to positive free cash flow. However, severe trailing net losses and a profit margin of -29.3% pose substantial structural challenges.

Income Statement

35Negative

Balance Sheet

68Positive

Cash Flow

62Positive

Financial statement breakdown
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

Technical Analysis SentimentPositive

Last Price11.62

Price Trends

50DMA11.67Negative

100DMA11.18Positive

200DMA9.85Positive

Market Momentum

MACD0.03Negative

RSI51.06Neutral

STOCH37.23Neutral

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 11.62 is above the 20-day moving average (MA) of 11.51, below the 50-day MA of 11.67, and above the 200-day MA of 9.85, indicating a neutral trend. The MACD of 0.03 indicates Negative momentum. The RSI at 51.06 is Neutral, neither overbought nor oversold. The STOCH value of 37.23 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.

Legal & Regulatory - Litigation, compliance, new legislation, and taxation risks

Latest Risks Added

1 New Risk

1.Risk factorsQ3, 2025

Broadway Financial Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

BYFC against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BOTJ	72Outperform	$112.54M	9.39	14.94%	1.61%	7.06%	52.33%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FUSB	65Neutral	$85.33M	12.21	7.58%	1.66%	3.74%	43.52%
BYFC	61Neutral	$108.65M	60.77	-7.74%	―	10.60%	-935.88%
UBCP	59Neutral	$83.11M	10.87	11.35%	6.52%	6.48%	-0.99%
SSBI	54Neutral	$81.33M	195.92	0.33%	―	-7.24%	―
FNWB	42Neutral	$93.56M	-1051.61	-0.03%	―	-6.23%	99.32%

* Financial Sector Average

Performance Comparison

BYFC and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
BYFC	Broadway Financial	11.62	5.60	93.02%
BOTJ	Bank Of The James Financial Group, Inc.	24.88	8.49	51.78%
SSBI	Summit State Bank	11.76	1.01	9.35%
UBCP	United Bancorp	14.56	2.50	20.74%
FUSB	First Us Bancshares	16.85	3.69	28.04%
FNWB	First Northwest Bancorp	9.78	0.51	5.50%

Broadway Financial Corporate Events

Financial Disclosures

Broadway Financial Reports Third-Quarter Profit and Balance-Sheet Growth

Positive

Nov 13, 2026

On November 13, 2026, Broadway Financial Corporation reported net income attributable to common stockholders of $392 thousand for the third quarter ended September 30, 2026, compared with $218 thousand in the second quarter and a $24.6 million net lo...

Business Operations and StrategyExecutive/Board Changes

Broadway Financial announces executive banking leadership transition

Neutral

Oct 2, 2026

On September 28, 2026, Broadway Financial Corporation announced that Executive Vice President and Chief Banking Officer John Allen agreed to resign from the company, with his departure effective December 31, 2026. Allen is expected to remain in a tra...

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.

Date of analysis: Nov 13, 2026

Broadway Financial AI Stock Analysis