Broadway Financial (BYFC) AI Stock Analysis

• Market Cap: $57.93M
• Dividend Yield: N/A
• Average Volume (3M): 2.62K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.94
• Revenue Growth: 2.54%
• EPS Growth: -174.74%
• Country: US
• Employees: 106
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): -0.02
• Shares Outstanding: 6,097,773
• 10 Day Avg. Volume: 4,234
• 30 Day Avg. Volume: 2,624
• PEG Ratio: -0.35
• Price to Book (P/B): 0.22
• Price to Sales (P/S): 0.96
• P/FCF Ratio: 48.99
• Enterprise Value/Market Cap: 5.93
• Enterprise Value/Revenue: 7.23
• Enterprise Value/Gross Profit: 13.73
• Enterprise Value/Ebitda: 714.71
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 48 Neutral
• Price Target: $6.50 ▲(3.17% Upside)

Broadway Financial's overall stock score is primarily impacted by its mixed financial performance and weak technical indicators. The company's declining profitability and lack of cash flow data present significant challenges. Additionally, the stock's technical indicators suggest bearish momentum, and the negative P/E ratio highlights valuation concerns. These factors collectively result in a lower overall score.

Positive Factors

Leverage Management

Improved leverage management indicates better financial discipline, reducing financial risk and enhancing the company's ability to manage debt sustainably.

Community Focus

Focusing on community development and financial inclusion can strengthen customer loyalty and open new growth opportunities in underserved markets.

Diversified Revenue Streams

A diversified revenue model through interest and non-interest income provides stability and reduces reliance on a single income source, enhancing long-term resilience.

Negative Factors

Declining Profitability

The decline in profitability margins indicates challenges in cost management or revenue generation, which could impact long-term financial health if not addressed.

Cash Flow Visibility

Lack of current cash flow data creates uncertainty in assessing financial health, potentially affecting investment decisions and strategic planning.

Revenue Decline

A decline in revenue suggests potential market challenges or competitive pressures, which could hinder growth prospects if not reversed.

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, checking accounts, NOW accounts, money market accounts, and fixed-term certificates of deposit. The company also offers mortgage loans, which are secured by multi-family residential properties; single family residential properties; and commercial real estate, including charter schools, community facilities, and churches, as well as commercial business, construction, and consumer loans. In addition, it invests in securities issued by federal government agencies, residential mortgage-backed securities, and other investments. The company operates through three branch offices. Broadway Financial Corporation was founded in 1946 and is headquartered in Los Angeles, California.

How the Company Makes Money

Broadway Financial generates revenue primarily through interest income from loans, which includes residential mortgages, commercial real estate loans, and other types of lending. The bank earns interest on the loans it originates, which is a significant source of its overall revenue. Additionally, the company generates non-interest income from fees associated with deposit accounts, service charges, and other banking services. Partnerships with community organizations and participation in government programs aimed at promoting affordable housing and economic development also enhance its earnings potential. Furthermore, effective asset management and maintaining a diversified loan portfolio help mitigate risks and contribute positively to the company's financial performance.

Broadway Financial Financial Statement Overview

Summary

Broadway Financial's financial performance presents a mixed picture. While there are signs of improvement in leverage management, declining profitability and missing cash flow data present challenges. The company displays moderate stability with some areas requiring attention, 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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	47.56M	63.76M	52.59M	37.46M	27.97M	18.67M
Gross Profit	25.04M	32.66M	33.89M	33.06M	24.04M	13.16M
EBITDA	481.00K	3.52M	7.30M	8.93M	-4.21M	-928.00K
Net Income	-37.00K	1.93M	4.51M	5.64M	-4.05M	-642.00K
Balance Sheet
Total Assets	1.23B	1.30B	1.38B	1.18B	1.09B	483.38M
Cash, Cash Equivalents and Short-Term Investments	0.00	146.32M	422.14M	344.85M	387.92M	106.81M
Total Debt	133.00M	262.14M	396.79M	205.81M	151.91M	113.81M
Total Liabilities	941.64M	1.02B	1.09B	904.64M	952.40M	434.49M
Stockholders Equity	285.55M	285.16M	281.90M	279.48M	141.00M	48.88M
Cash Flow
Free Cash Flow	-1.13M	1.25M	7.39M	6.00M	-514.00K	-13.97M
Operating Cash Flow	-1.07M	1.39M	7.59M	6.32M	624.00K	-13.55M
Investing Cash Flow	53.84M	28.22M	-100.04M	-323.96M	25.02M	50.71M
Financing Cash Flow	-126.78M	-73.45M	181.54M	102.22M	109.82M	43.39M

Broadway Financial Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 6.30
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BYFC, the sentiment is Neutral. The current price of 6.3 is above the 20-day moving average (MA) of 6.24, below the 50-day MA of 6.74, and below the 200-day MA of 7.01, indicating a neutral trend. The MACD of -0.14 indicates Negative momentum. The RSI at 47.16 is Neutral, neither overbought nor oversold. The STOCH value of 61.90 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for BYFC.

Broadway Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BOTJ	75 Outperform	$77.28M	9.76	10.86%	2.22%	6.17%	-6.13%
FUSB	70 Outperform	$74.36M	13.91	5.50%	2.04%	1.03%	-35.72%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
UBCP	62 Neutral	$73.62M	10.03	10.91%	7.03%	6.31%	-5.00%
FNWB	51 Neutral	$93.49M	-11.96	-4.68%	2.83%	8.02%	21.36%
BYFC	48 Neutral	$57.93M	-22.22	0.22%	―	2.54%	-174.74%
SSBI	45 Neutral	$72.44M	-51.32	-1.41%	―	-0.81%	-129.22%

Broadway Financial Corporate Events

Broadway Financial Announces $25.9M Goodwill Impairment

On October 15, 2025, Broadway Financial Corporation announced that its Audit Committee determined the company’s goodwill is impaired, leading to a non-cash $25.9 million goodwill impairment charge for the quarter ended September 30, 2025. This charge is not expected to result in future cash expenditures, indicating limited immediate financial impact on the company’s operations.

The most recent analyst rating on (BYFC) stock is a Hold with a $7.50 price target. To see the full list of analyst forecasts on Broadway Financial stock, see the BYFC Stock Forecast page.

Broadway Financial Faces Nasdaq Non-Compliance Notice

On August 21, 2025, Broadway Financial Corporation received a notification from Nasdaq regarding non-compliance with Listing Rule 5250(c)(1) due to the late filing of its Form 10-Q for the quarter ended June 30, 2025. The delay was attributed to the need for additional time to evaluate participation agreements for compliance with accounting standards. Nasdaq has given the company 60 days to submit a compliance plan, with the potential for an extension until February 16, 2026, if the plan is accepted. The company aims to file the Form 10-Q promptly to meet the deadline.

The most recent analyst rating on (BYFC) stock is a Hold with a $8.50 price target. To see the full list of analyst forecasts on Broadway Financial stock, see the BYFC Stock Forecast page.

Broadway Financial Delays Q2 2025 Report Filing

Broadway Financial Corporation has announced a delay in filing its Form 10-Q (Quarter Report) for the financial period ending June 30, 2025. The primary reason for the delay is the need for additional time to evaluate participation agreements for compliance with Accounting Standards Codification Topic 860, which impacts the consolidated financial statements. The company anticipates filing the report within five calendar days following the prescribed due date. Preliminary financial information indicates a net loss for the quarter, contrasting with a net income in the corresponding period last year, due to changes in accounting treatment. The company is actively working on compliance efforts, and the notification was signed by Zack Ibrahim, Executive Vice President and Chief Financial Officer.