Broadway Financial Corp. (BYFC)
NASDAQ:BYFC
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Broadway Financial
(NASDAQ:BYFC)
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Rating:44Neutral
Price Target:
$7.00
▼(-14.00% Downside)
Action:ReiteratedDate:04/01/26
The score is held down primarily by the sharp deterioration in 2025 earnings and weakened cash flow, with additional pressure from bearish technical signals (below key moving averages and negative MACD). Offsetting factors include a comparatively supportive balance sheet and positive corporate updates (NMTC allocation and regained Nasdaq compliance), but they are not enough to outweigh the current profitability downturn.
Positive Factors
New Markets Tax Credit (NMTC) $75M allocation
The $75M NMTC award materially expands Broadway's ability to originate and finance community development projects, creating a multi-year pipeline of interest-bearing assets and fee income. This durable funding source strengthens its niche as an intermediary in underserved markets and supports long-term mission-driven lending.
Negative Factors
Large 2025 net loss and collapsed margins
The magnitude of the 2025 loss and deep margin collapse materially erode earnings quality and retained capital. Sustained recovery requires multi-quarter improvement in net interest margin or fee income; otherwise the profitability shortfall will constrain lending growth, provisioning capacity, and strategic initiatives.
Read all positive and negative factors
Positive Factors
Negative Factors
New Markets Tax Credit (NMTC) $75M allocation
The $75M NMTC award materially expands Broadway's ability to originate and finance community development projects, creating a multi-year pipeline of interest-bearing assets and fee income. This durable funding source strengthens its niche as an intermediary in underserved markets and supports long-term mission-driven lending.
Read all positive factors
Broadway Financial (BYFC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$70.06M
Dividend YieldN/A
Average Volume (3M)2.62K
Price to Earnings (P/E)―
Beta (1Y)0.93
Revenue Growth2.54%
EPS Growth-174.74%
CountryUS
Employees106
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)-2.86
Shares Outstanding6,206,166
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 Cap3.02
Enterprise Value/Revenue3.35
Enterprise Value/Gross Profit6.46
Enterprise Value/Ebitda-8.75
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
34
Negative
Balance Sheet
56
Neutral
Cash Flow
41
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 63.03M | 65.50M | 52.59M | 37.46M | 27.97M |
| Gross Profit | 32.71M | 32.66M | 33.89M | 33.06M | 24.04M |
| EBITDA | -24.16M | 3.53M | 7.30M | 8.93M | -4.21M |
| Net Income | -24.80M | 1.93M | 4.51M | 5.64M | -4.05M |
Balance Sheet | |||||
| Total Assets | 1.35B | 1.33B | 1.38B | 1.18B | 1.09B |
| Cash, Cash Equivalents and Short-Term Investments | 22.32M | 146.32M | 422.14M | 344.85M | 387.92M |
| Total Debt | 152.77M | 293.50M | 396.79M | 205.81M | 151.91M |
| Total Liabilities | 1.08B | 1.05B | 1.09B | 904.64M | 952.40M |
| Stockholders Equity | 262.75M | 284.97M | 281.90M | 279.48M | 141.00M |
Cash Flow | |||||
| Free Cash Flow | -13.00K | 1.25M | 7.39M | 6.00M | -514.00K |
| Operating Cash Flow | 230.00K | 1.39M | 7.59M | 6.32M | 624.00K |
| Investing Cash Flow | -79.40M | 28.30M | -100.04M | -323.96M | 25.02M |
| Financing Cash Flow | 28.31M | -73.53M | 181.54M | 102.22M | 109.82M |
Broadway Financial Technical Analysis
Positive
8.14
Price Trends
7.87
Negative
7.36
Positive
7.37
Positive
Market Momentum
-0.12
Negative
46.96
Neutral
68.97
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 8.14 is above the 20-day moving average (MA) of 7.58, above the 50-day MA of 7.87, and above the 200-day MA of 7.37, indicating a neutral trend. The MACD of -0.12 indicates Negative momentum. The RSI at 46.96 is Neutral, neither overbought nor oversold. The STOCH value of 68.97 is Neutral, 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 |
|---|---|---|---|---|---|---|---|
78 Outperform | $103.50M | 9.36 | 12.15% | 2.18% | 6.17% | -6.13% | |
68 Neutral | $90.80M | 11.51 | 6.89% | ― | -0.81% | -129.22% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $88.94M | 10.17 | 12.01% | 6.51% | 6.31% | -5.00% | |
65 Neutral | $88.42M | 13.56 | 5.80% | 2.08% | 1.03% | -35.72% | |
46 Neutral | $93.65M | -21.37 | -2.76% | 2.88% | 8.02% | 21.36% | |
44 Neutral | $70.06M | -2.57 | -8.97% | ― | 2.54% | -174.74% |
* Financial Sector Average
BYFC
Broadway Financial
7.53
1.23
19.52%
BOTJ
Bank Of The Jame Financial
22.78
9.01
65.43%
SSBI
Summit State Bank
13.60
5.35
64.85%
UBCP
United Bancorp
15.45
3.50
29.33%
FUSB
First US Bancshares
15.65
3.03
24.02%
FNWB
First Northwest Bancorp
9.91
-0.06
-0.59%
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.