Broadway Financial Corp. (BYFC)
NASDAQ:BYFC
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Broadway Financial
(NASDAQ:BYFC)
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Rating:54Neutral
Price Target:
$10.50
▲(28.99% Upside)
Action:Reiterated
Date:05/16/26
The score is held back primarily by weak and inconsistent profitability (sizable TTM net loss and negative ROE) despite improved leverage and better recent cash generation. Technicals are supportive but overbought, valuation appears modest on P/E, and recent corporate events are constructive (NMTC allocation and Nasdaq compliance).
Positive Factors
Improved Leverage
Material deleveraging to a ~0.31 debt-to-equity in TTM meaningfully increases balance-sheet flexibility. Lower leverage reduces funding and solvency risk, supports additional lending capacity or targeted investments, and provides room to absorb credit stress while pursuing growth.
Negative Factors
Sizable Net Loss & Negative ROE
A large TTM net loss and negative return on equity indicate the franchise is not currently generating shareholder value. Persistent losses constrain retained earnings, limit capital accumulation, and reduce ability to invest in growth or return capital, threatening long-term value creation.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved Leverage
Material deleveraging to a ~0.31 debt-to-equity in TTM meaningfully increases balance-sheet flexibility. Lower leverage reduces funding and solvency risk, supports additional lending capacity or targeted investments, and provides room to absorb credit stress while pursuing growth.
Read all positive factors
Broadway Financial (BYFC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$89.91M
Dividend YieldN/A
Average Volume (3M)2.62K
Price to Earnings (P/E)10.0
Beta (1Y)0.98
Revenue Growth2.16%
EPS Growth-1083.24%
CountryUS
Employees106
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)-2.75
Shares Outstanding6,180,445
10 Day Avg. Volume4,234
30 Day Avg. Volume2,624
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)0.24
Price to Sales (P/S)1.01
P/FCF Ratio-4.91K
Enterprise Value/Market Cap1.61
Enterprise Value/Revenue2.22
Enterprise Value/Gross Profit3.99
Enterprise Value/Ebitda-7.77
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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, che...
How the Company Makes Money
Broadway Financial primarily makes money through its bank subsidiary by earning net interest income and generating noninterest income. Net interest income is the spread between (1) interest earned on loans and other interest-earning assets (such a...
Broadway Financial Financial Statement Overview
Summary
Income Statement
32
Negative
Balance Sheet
58
Neutral
Cash Flow
45
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 65.25M | 63.03M | 65.50M | 52.59M | 37.46M | 27.97M |
| Gross Profit | 36.24M | 32.71M | 32.66M | 33.89M | 33.06M | 24.04M |
| EBITDA | -18.62M | -24.16M | 3.53M | 7.30M | 8.93M | -4.21M |
| Net Income | -20.53M | -24.80M | 1.93M | 4.51M | 5.64M | -4.05M |
Balance Sheet | ||||||
| Total Assets | 1.43B | 1.35B | 1.33B | 1.38B | 1.18B | 1.09B |
| Cash, Cash Equivalents and Short-Term Investments | 310.71M | 22.32M | 146.32M | 422.14M | 344.85M | 387.92M |
| Total Debt | 81.25M | 152.77M | 293.50M | 396.79M | 205.81M | 151.91M |
| Total Liabilities | 1.16B | 1.08B | 1.05B | 1.09B | 904.64M | 952.40M |
| Stockholders Equity | 262.88M | 262.75M | 284.97M | 281.90M | 279.48M | 141.00M |
Cash Flow | ||||||
| Free Cash Flow | 5.44M | -13.00K | 1.25M | 7.39M | 6.00M | -514.00K |
| Operating Cash Flow | 5.71M | 230.00K | 1.39M | 7.59M | 6.32M | 624.00K |
| Investing Cash Flow | -188.97M | -79.40M | 28.30M | -100.04M | -323.96M | 25.02M |
| Financing Cash Flow | 194.07M | 28.31M | -73.53M | 181.54M | 102.22M | 109.82M |
Broadway Financial Technical Analysis
Positive
8.14
Price Trends
8.30
Positive
8.18
Positive
7.53
Positive
Market Momentum
0.48
Positive
62.18
Neutral
9.67
Positive
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 8.14 is below the 20-day moving average (MA) of 9.27, below the 50-day MA of 8.30, and above the 200-day MA of 7.53, indicating a bullish trend. The MACD of 0.48 indicates Positive momentum. The RSI at 62.18 is Neutral, neither overbought nor oversold. The STOCH value of 9.67 is Positive, 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.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Broadway Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $103.36M | 8.43 | 14.13% | 2.18% | 5.49% | 66.01% | |
72 Outperform | $88.52M | 11.25 | 5.92% | 2.08% | 3.98% | -20.75% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $90.53M | 13.45 | 5.95% | ― | -5.51% | ― | |
63 Neutral | $84.23M | 10.94 | 11.80% | 6.51% | 7.19% | 9.14% | |
54 Neutral | $89.91M | 10.02 | -7.66% | ― | 2.16% | -1083.24% | |
48 Neutral | $91.19M | 3,217.02 | 3.14% | 2.88% | -3.63% | ― |
* Financial Sector Average
BYFC
Broadway Financial
9.69
3.53
57.31%
BOTJ
Bank Of The Jame Financial
22.75
8.84
63.56%
SSBI
Summit State Bank
13.56
3.77
38.51%
UBCP
United Bancorp
14.57
1.80
14.08%
FUSB
First US Bancshares
15.90
3.11
24.35%
FNWB
First Northwest Bancorp
9.60
0.34
3.67%
Broadway Financial Corporate Events
Business Operations and StrategyPrivate Placements and Financing
Broadway Financial Wins $75 Million Community Investment Allocation
Positive
Feb 26, 2026
On February 26, 2026, Broadway Financial announced that its subsidiary City First Bank was awarded a $75 million New Markets Tax Credit allocation by the CDFI Fund, aimed at financing projects and investments in low-income communities nationwide. ...
Delistings and Listing ChangesRegulatory Filings and Compliance
Broadway Financial Regains Compliance with Nasdaq Listing Rules
Positive
Feb 18, 2026
Broadway Financial Corporation, a financial institution whose detailed business focus was not specified, is listed on The Nasdaq Stock Market LLC and is subject to its ongoing reporting and compliance requirements as a public company. On February ...
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.