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BROADWAY FINANCIAL CORP/DE (BYFC) Stock Fundamental Analysis

NASDAQ:BYFC - Nasdaq - US1114447097 - Common Stock - Currency: USD

7.51  -0.21 (-2.72%)

Fundamental Rating

2

Taking everything into account, BYFC scores 2 out of 10 in our fundamental rating. BYFC was compared to 404 industry peers in the Banks industry. Both the profitability and financial health of BYFC have multiple concerns. While showing a medium growth rate, BYFC is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

BYFC had positive earnings in the past year.
BYFC had a positive operating cash flow in the past year.
In multiple years BYFC reported negative net income over the last 5 years.
Of the past 5 years BYFC 4 years had a positive operating cash flow.
BYFC Yearly Net Income VS EBIT VS OCF VS FCFBYFC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5M -5M 10M -10M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.16%, BYFC is doing worse than 88.44% of the companies in the same industry.
With a Return On Equity value of 0.78%, BYFC is not doing good in the industry: 89.70% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.16%
ROE 0.78%
ROIC N/A
ROA(3y)0.14%
ROA(5y)0.05%
ROE(3y)0.24%
ROE(5y)-0.21%
ROIC(3y)N/A
ROIC(5y)N/A
BYFC Yearly ROA, ROE, ROICBYFC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5 10 15

1.3 Margins

Looking at the Profit Margin, with a value of 5.02%, BYFC is doing worse than 87.94% of the companies in the same industry.
In the last couple of years the Profit Margin of BYFC has grown nicely.
BYFC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 5.02%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y12.05%
GM growth 3YN/A
GM growth 5YN/A
BYFC Yearly Profit, Operating, Gross MarginsBYFC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20 40 60

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1

2. Health

2.1 Basic Checks

BYFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, BYFC has less shares outstanding
The number of shares outstanding for BYFC has been reduced compared to 5 years ago.
The debt/assets ratio for BYFC is higher compared to a year ago.
BYFC Yearly Shares OutstandingBYFC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M
BYFC Yearly Total Debt VS Total AssetsBYFC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M 1B

2.2 Solvency

The Debt to FCF ratio of BYFC is 25.03, which is on the high side as it means it would take BYFC, 25.03 years of fcf income to pay off all of its debts.
BYFC has a Debt to FCF ratio of 25.03. This is in the lower half of the industry: BYFC underperforms 77.89% of its industry peers.
A Debt/Equity ratio of 0.66 indicates that BYFC is somewhat dependend on debt financing.
BYFC has a Debt to Equity ratio of 0.66. This is amonst the worse of the industry: BYFC underperforms 81.91% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF 25.03
Altman-Z N/A
ROIC/WACCN/A
WACC5.51%
BYFC Yearly LT Debt VS Equity VS FCFBYFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 50M 100M 150M 200M 250M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BYFC Yearly Current Assets VS Current LiabilitesBYFC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M 200M

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 432.15% over the past year.
BYFC shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 76.21% yearly.
The Revenue has grown by 35.96% in the past year. This is a very strong growth!
Measured over the past years, BYFC shows a very strong growth in Revenue. The Revenue has been growing by 25.51% on average per year.
EPS 1Y (TTM)432.15%
EPS 3YN/A
EPS 5Y76.21%
EPS Q2Q%-368.14%
Revenue 1Y (TTM)35.96%
Revenue growth 3Y38.17%
Revenue growth 5Y25.51%
Sales Q2Q%23.11%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
BYFC Yearly Revenue VS EstimatesBYFC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M
BYFC Yearly EPS VS EstimatesBYFC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023

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2

4. Valuation

4.1 Price/Earnings Ratio

BYFC is valuated quite expensively with a Price/Earnings ratio of 27.81.
Based on the Price/Earnings ratio, BYFC is valued more expensive than 84.92% of the companies in the same industry.
BYFC is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 29.63, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 27.81
Fwd PE N/A
BYFC Price Earnings VS Forward Price EarningsBYFC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

90.45% of the companies in the same industry are more expensive than BYFC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 5.96
EV/EBITDA N/A
BYFC Per share dataBYFC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.36
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for BYFC!.
Industry RankSector Rank
Dividend Yield N/A

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BROADWAY FINANCIAL CORP/DE

NASDAQ:BYFC (2/21/2025, 8:04:47 PM)

7.51

-0.21 (-2.72%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A N/A
Earnings (Next)05-22 2025-05-22
Inst Owners18.08%
Inst Owner Change19.64%
Ins Owners4.21%
Ins Owner Change-0.01%
Market Cap45.21M
Analysts0
Price TargetN/A
Short Float %0.19%
Short Ratio1.36
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0
Dividend Growth(5Y)N/A
DP36.8%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 27.81
Fwd PE N/A
P/S 1.02
P/FCF 5.96
P/OCF 5.79
P/B 0.16
P/tB 0.17
EV/EBITDA N/A
EPS(TTM)0.27
EY3.6%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.26
FCFY16.77%
OCF(TTM)1.3
OCFY17.27%
SpS7.35
BVpS47.57
TBVpS42.97
PEG (NY)N/A
PEG (5Y)0.36
Profitability
Industry RankSector Rank
ROA 0.16%
ROE 0.78%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 5.02%
GM N/A
FCFM 17.15%
ROA(3y)0.14%
ROA(5y)0.05%
ROE(3y)0.24%
ROE(5y)-0.21%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y12.05%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF 25.03
Debt/EBITDA N/A
Cap/Depr 29.89%
Cap/Sales 0.5%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 341.58%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC5.51%
ROIC/WACCN/A
Cap/Depr(3y)77.84%
Cap/Depr(5y)120.18%
Cap/Sales(3y)2.08%
Cap/Sales(5y)1.96%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)432.15%
EPS 3YN/A
EPS 5Y76.21%
EPS Q2Q%-368.14%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)35.96%
Revenue growth 3Y38.17%
Revenue growth 5Y25.51%
Sales Q2Q%23.11%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y3691.5%
FCF growth 3YN/A
FCF growth 5Y118%
OCF growth 1Y282.65%
OCF growth 3YN/A
OCF growth 5Y101.26%