Broadway Financial (BYFC) AI Stock Analysis

• Market Cap: $55.39M
• Dividend Yield: N/A
• Average Volume (3M): 2.84K
• Price to Earnings (P/E): 158.7
• Beta (1Y): 0.82
• Revenue Growth: 11.84%
• EPS Growth: -120.17%
• Country: US
• Employees: 106
• Sector: Financial
• Sector Strength: 76
• Industry: Banks - Regional
• EPS (TTM): -0.14
• Shares Outstanding: 6,133,044
• 10 Day Avg. Volume: 2,407
• 30 Day Avg. Volume: 2,843
• PEG Ratio: -0.06
• Price to Book (P/B): 0.26
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 12.19
• Enterprise Value/Market Cap: 3.60
• Enterprise Value/Revenue: 0.85
• Enterprise Value/Gross Profit: 4.07
• Enterprise Value/Ebitda: 14.77
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 51 Neutral
• Price Target: $6.50 ▲(8.33%Upside)

Broadway Financial's stock score reflects several challenges. The most significant concern is the Nasdaq non-compliance notice, which poses a substantial risk to its listing status. Additionally, the company's negative P/E ratio, lack of dividend yield, and declining profitability weigh heavily on its valuation. The technical analysis indicates a bearish trend with potential oversold conditions, adding further uncertainty. Although leverage management shows improvement, overall financial performance needs attention, especially regarding profitability and cash flow visibility.

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 moderate stability with improved leverage management. However, declining profitability and missing cash flow data present challenges, 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
32.66M	52.59M	33.06M	27.97M	13.08M
	Gross Profit
32.66M	33.89M	33.06M	24.04M	13.16M
	EBIT
6.01M	6.52M	8.12M	-4.89M	-1.05M
	EBITDA
0.00	7.30M	8.93M	-4.89M	-928.00K
	Net Income Common Stockholders
1.93M	4.51M	5.64M	-4.05M	-642.00K
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
146.32M	422.14M	344.85M	387.92M	106.81M
	Total Assets
1.30B	1.38B	1.18B	1.09B	483.38M
	Total Debt
195.53M	323.32M	205.81M	99.95M	113.81M
	Net Debt
134.17M	218.12M	189.71M	-79.61M	17.71M
	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	-572.00K	-13.97M
	Operating Cash Flow
1.39M	7.59M	6.32M	566.00K	-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: Negative
• Last Price: 6.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• 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 Negative. The current price of 6 is below the 20-day moving average (MA) of 6.16, below the 50-day MA of 6.34, and below the 200-day MA of 6.92, indicating a bearish trend. The MACD of -0.11 indicates Positive momentum. The RSI at 38.93 is Neutral, neither overbought nor oversold. The STOCH value of 3.51 is Positive, 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
BOTJ	72 Outperform	$63.08M	9.56	10.25%	2.88%	12.23%	-25.92%
Sector *	64 Neutral	$12.73B	9.92	7.90%	78.88%	12.06%	-7.95%
BAFN	61 Neutral	$58.63M	6.36	10.87%	2.25%	8.22%	111.97%
SSBI	52 Neutral	$64.43M	10.38	-3.20%	1.66%	-3.54%	-138.07%
BYFC	51 Neutral	$55.39M	158.72	0.57%	―	11.84%	-120.17%

Broadway Financial Corporate Events

Broadway Financial Announces Board Member Resignation

On June 2, 2025, Broadway Financial Corporation announced that William A. Longbrake, a member of its Board of Directors, will resign at the company’s Annual Meeting of Stockholders on June 30, 2025. The resignation is not due to any disagreements with the company’s operations, policies, or practices.

Broadway Financial Faces Nasdaq Non-Compliance Notice

On May 28, 2025, Broadway Financial Corporation received a notification from Nasdaq regarding its non-compliance with the Nasdaq Listing Rule 5250(c)(1) due to the late filing of its Quarterly Report on Form 10-Q for the quarter ended March 31, 2025. The delay is attributed to the need for additional time to determine the value of a Securities Purchase Option Agreement and to complete fair value measurements disclosure. Nasdaq has given the company 60 days from the notice date to submit a compliance plan, with a potential extension until November 17, 2025, if accepted. The notice does not immediately affect the trading of the company’s shares, but further delays could impact its listing status.