Broadway Financial (BYFC) AI Stock Analysis

• Market Cap: $70.24M
• Dividend Yield: N/A
• Average Volume (3M): 10.13K
• Price to Earnings (P/E): 158.7
• Beta (1Y): 0.95
• Revenue Growth: 11.84%
• EPS Growth: -120.17%
• Country: US
• Employees: 106
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): -0.14
• Shares Outstanding: 6,133,044
• 10 Day Avg. Volume: 15,663
• 30 Day Avg. Volume: 10,125
• 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: 2.84
• Enterprise Value/Revenue: 0.85
• Enterprise Value/Gross Profit: 4.07
• Enterprise Value/Ebitda: 14.77
• 1Y Price Target: $6.50
• Price Target Upside: -14.59% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 50 Neutral
• Price Target: $7.50 ▼(-1.45%Downside)

Broadway Financial's stock score is primarily impacted by financial performance challenges, including declining profitability and missing cash flow data. The overbought technical indicators and high P/E ratio contribute to a cautious outlook. The Nasdaq non-compliance notice is a critical risk but does not directly affect the score due to weight redistribution. Investors should be cautious given the potential listing risk and valuation concerns.

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 Corporation generates revenue primarily through interest income from its mortgage lending and other loan products. The bank earns money by charging interest on loans, which include single-family and multi-family residential mortgages, commercial real estate loans, and small business loans. Additionally, the company collects fees and service charges associated with its personal and business banking services. Broadway Financial's revenue is also supported by strategic partnerships and investments that align with its community development mission, although specific partnerships are not publicly detailed.

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
EBITDA	0.00	7.30M	8.93M	-4.89M	-928.00K
Net Income	1.93M	4.51M	5.64M	-4.05M	-642.00K
Balance Sheet
Total Assets	1.30B	1.38B	1.18B	1.09B	483.38M
Cash, Cash Equivalents and Short-Term Investments	146.32M	422.14M	344.85M	387.92M	106.81M
Total Debt	195.53M	323.32M	205.81M	99.95M	113.81M
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: Positive
• Last Price: 7.61
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Neutral

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 7.61 is above the 20-day moving average (MA) of 6.90, above the 50-day MA of 6.56, and above the 200-day MA of 6.95, indicating a bullish trend. The MACD of 0.35 indicates Negative momentum. The RSI at 71.75 is Negative, neither overbought nor oversold. The STOCH value of 61.55 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BYFC.

Broadway Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BOTJ	71 Outperform	$63.83M	9.67	10.25%	2.88%	12.23%	-25.92%
BAFN	69 Neutral	$60.90M	6.60	10.87%	2.23%	8.22%	111.97%
Sector *	67 Neutral	$16.92B	11.85	9.77%	3.75%	12.07%	-8.35%
SSBI	55 Neutral	$77.31M	10.38	-3.20%	1.36%	-3.54%	-138.07%
BYFC	50 Neutral	$70.24M	158.72	0.57%	―	11.84%	-120.17%
FSEA		$53.32M	―	-0.80%	―	―	―
NSTS		$62.97M	―	-1.13%	―	―	―

Broadway Financial Corporate Events

Broadway Financial Holds Annual Meeting of Stockholders

On June 30, 2025, Broadway Financial Corporation held its Annual Meeting of Stockholders where several key decisions were made. The stockholders elected the nominees for the Board of Directors to serve until 2028, ratified the appointment of Crowe LLP as the independent registered public accounting firm for the fiscal year ending December 31, 2025, approved the executive compensation on an advisory basis, and agreed to amend the Certificate of Incorporation to remove a provision regarding the removal of directors.

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.