Broadway Financial (BYFC) AI Stock Analysis

• Market Cap: $52.90M
• Dividend Yield: N/A
• Average Volume (3M): 3.18K
• Price to Earnings (P/E): 136.9
• Beta (1Y): 1.11
• Revenue Growth: 20.43%
• EPS Growth: -92.31%
• Country: US
• Employees: 98
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 0.04
• Shares Outstanding: 6,022,227
• 10 Day Avg. Volume: 3,955
• 30 Day Avg. Volume: 3,181
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 1.95
• Price to Cash Flow (P/CF): 2.80
• P/FCF Ratio: 4.60
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Broadway Financial's overall stock score of 56 reflects moderate stability with key challenges. The company's improved leverage management is offset by declining profitability and a high P/E ratio suggesting overvaluation. Technical indicators point to weak momentum, though recent board changes could strengthen governance and strategy.

Broadway Financial Business Overview & Revenue Model

Company Description

Broadway Financial Corporation (BYFC) is a bank holding company that primarily operates through its subsidiary, City First Bank, N.A. The company is headquartered in Los Angeles, California, and focuses on providing financial services primarily to underserved urban communities. Broadway Financial offers a range of financial products and services, including commercial real estate loans, residential mortgage loans, and deposit services, aimed at promoting economic development in its target markets.

How the Company Makes Money

Broadway Financial Corporation generates revenue primarily through interest income on loans and securities, which is a key component of its overall earnings. The company also earns income from service charges and fees associated with its deposit accounts and other financial services. Additionally, Broadway Financial benefits from non-interest income sources such as mortgage banking revenue. The bank's focus on community development and serving underserved areas often involves collaborations with local organizations and government programs, contributing to its mission-driven approach. However, specific details on significant partnerships or additional revenue streams are not available.

Broadway Financial Financial Statement Overview

Summary

Broadway Financial's financial performance shows mixed results. While leverage management has improved, profitability has declined. The lack of current cash flow data also creates uncertainty. Overall, the company displays moderate stability but faces challenges 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
32.66M	33.89M	34.05M	24.22M	13.08M
	Gross Profit
32.66M	33.89M	34.05M	24.22M	13.08M
	EBIT
6.01M	6.52M	10.65M	-4.99M	-1.05M
	EBITDA
0.00	7.30M	8.93M	-4.21M	-928.00K
	Net Income Common Stockholders
1.93M	4.51M	5.64M	-3.95M	-642.00K
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
61.37M	105.19M	16.11M	387.92M	106.81M
	Total Assets
1.30B	1.38B	1.18B	1.09B	483.38M
	Total Debt
195.53M	323.32M	142.34M	99.95M	113.81M
	Net Debt
134.17M	218.12M	126.24M	-131.57M	17.71M
	Total Liabilities
1.02B	1.09B	904.81M	99.95M	113.81M
	Stockholders Equity
285.16M	281.90M	279.48M	141.00M	48.88M
Cash Flow		Free Cash Flow
0.00	7.39M	6.00M	-572.00K	-13.97M
	Operating Cash Flow
0.00	7.59M	6.32M	566.00K	-13.55M
	Investing Cash Flow
0.00	-100.04M	-323.96M	25.02M	50.71M
	Financing Cash Flow
0.00	181.54M	102.22M	109.82M	43.39M

Broadway Financial Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 5.97
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BYFC, the sentiment is Negative. The current price of 5.97 is below the 20-day moving average (MA) of 7.16, below the 50-day MA of 7.43, and below the 200-day MA of 6.71, indicating a bearish trend. The MACD of -0.06 indicates Positive momentum. The RSI at 43.03 is Neutral, neither overbought nor oversold. The STOCH value of 25.95 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BYFC.

Broadway Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BY	70 Outperform	$1.08B	8.76	11.60%	1.54%	16.41%	3.09%
CZNC	67 Neutral	$297.72M	11.41	9.58%	5.82%	3.55%	6.97%
Sector *	64 Neutral	$12.70B	9.08	9.19%	4.89%	16.29%	-8.64%
FUNC	58 Neutral	$168.63M	8.28	12.06%	3.24%	16.56%	40.31%
BYFC	56 Neutral	$52.90M	136.93	0.67%	―	20.43%	-92.31%
FFWM	44 Neutral	$383.00M	―	-9.34%	1.07%	6.75%	62.30%

Broadway Financial Corporate Events

Broadway Financial Appoints Mary Hentges to Board

On March 5, 2025, Broadway Financial Corporation expanded its Board of Directors from nine to ten members and appointed Mary Hentges to fill the new vacancy. Ms. Hentges, who brings extensive financial leadership experience from her roles at Jiko Group, Noom, Inc., ShotSpotter, Yapstone, CBS Interactive, and PayPal, will serve on various committees, including the Audit Committee and the Risk and Compliance Committee. Her appointment aligns with the company’s strategic goals and mission-driven focus, enhancing its governance as it continues to serve low-to-moderate income communities.