Broadway Financial (BYFC) AI Stock Analysis

• Market Cap: $55.08M
• Dividend Yield: N/A
• Average Volume (3M): 2.62K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.92
• 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: 3.01
• Enterprise Value/Revenue: 2.97
• Enterprise Value/Gross Profit: 4.97
• Enterprise Value/Ebitda: 134.96
• 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: 47 Neutral
• Price Target: $6.00 ▲(0.17% Upside)

Broadway Financial's overall stock score is primarily impacted by its financial performance and technical analysis, both indicating challenges. The negative valuation and recent corporate events further contribute to a lower score. The absence of earnings call data limits insights into future guidance.

Positive Factors

Leverage Management

Improved leverage management indicates stronger financial discipline and reduced financial risk, enhancing long-term stability.

Community Focus

Focus on underserved communities and partnerships supports sustainable growth and strengthens market position in niche segments.

Stable Gross Profit Margin

A stable gross profit margin reflects consistent cost management and pricing power, supporting long-term profitability.

Negative Factors

Declining Profitability

Declining profitability indicates challenges in cost control or revenue generation, potentially impacting future earnings.

Nasdaq Compliance Issue

Compliance issues with Nasdaq could affect investor confidence and lead to potential delisting if not resolved, impacting market perception.

Goodwill Impairment

Significant goodwill impairment reflects potential overvaluation of past acquisitions, affecting balance sheet strength and future earnings.

Broadway Financial Business Overview & Revenue Model

Company Description

Broadway Financial Corporation (BYFC) is a bank holding company based in Los Angeles, California, primarily engaged in the business of providing financial services through its wholly-owned subsidiary, Broadway Federal Bank. The company focuses on serving the needs of the communities in which it operates, particularly targeting the African American and other underserved communities. Broadway Financial offers a range of products and services including residential and commercial real estate loans, consumer banking services, and investment products aimed at promoting financial inclusion and community development.

How the Company Makes Money

Broadway Financial generates revenue primarily through the interest income earned from its loan portfolio, which includes residential mortgages, commercial real estate loans, and consumer loans. Additionally, the bank earns non-interest income from fees associated with banking services, such as account maintenance fees, transaction fees, and service charges. The company also benefits from investment income derived from its securities portfolio. Key partnerships with community organizations and government programs aimed at fostering affordable housing and community development further enhance its ability to attract customers and generate revenue, while regulatory support for community banks can provide additional opportunities for growth.

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	55.94M	63.76M	52.59M	37.46M	27.97M	18.67M
Gross Profit	33.41M	32.66M	33.89M	33.06M	24.04M	13.16M
EBITDA	1.23M	3.52M	7.30M	8.93M	-4.21M	-928.00K
Net Income	566.00K	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: Negative
• Last Price: 5.99
• 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 5.99 is below the 20-day moving average (MA) of 6.12, below the 50-day MA of 6.32, and below the 200-day MA of 6.91, indicating a bearish trend. The MACD of -0.14 indicates Positive momentum. The RSI at 42.52 is Neutral, neither overbought nor oversold. The STOCH value of 35.12 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
BOTJ	76 Outperform	$82.37M	10.51	10.86%	2.21%	6.17%	-6.13%
FUSB	71 Outperform	$77.56M	14.53	5.50%	2.08%	1.03%	-35.72%
UBCP	69 Neutral	$82.80M	10.89	10.91%	6.51%	6.31%	-5.00%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FNWB	59 Neutral	$92.73M	-11.75	-4.68%	2.86%	8.02%	21.36%
BYFC	47 Neutral	$55.08M	-20.81	0.22%	―	2.54%	-174.74%
SSBI	45 Neutral	$77.18M	-54.92	-1.41%	―	-0.81%	-129.22%

Broadway Financial Corporate Events

Broadway Financial Faces Nasdaq Compliance Deadline

On November 24, 2025, Broadway Financial Corporation announced that it received a notification from Nasdaq regarding its non-compliance with Nasdaq Listing Rule 5250(c)(1) due to the late filing of its Q3 Form 10-Q for the quarter ended September 30, 2025. This delay was attributed to the evaluation of its sold loan participation accounting and its impact on the consolidated financial statements. Although the notice does not immediately affect the company’s listing or trading on Nasdaq, further delays could potentially impact its stock. The company has until December 8, 2025, to submit an updated compliance plan to Nasdaq, and if accepted, it may have until February 16, 2026, to regain compliance.

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.