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BROADWAY FINANCIAL CORP/DE (BYFC) Stock Fundamental Analysis

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

6.59  -0.04 (-0.6%)

Fundamental Rating

2

Taking everything into account, BYFC scores 2 out of 10 in our fundamental rating. BYFC was compared to 398 industry peers in the Banks industry. Both the profitability and financial health of BYFC have multiple concerns. BYFC is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

BYFC had positive earnings in the past year.
In the past year BYFC had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: BYFC reported negative net income in multiple years.
In multiple years BYFC reported negative operating cash flow during the last 5 years.
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 2024 0 5M -5M 10M -10M

1.2 Ratios

BYFC has a worse Return On Assets (0.16%) than 87.69% of its industry peers.
BYFC's Return On Equity of 0.78% is on the low side compared to the rest of the industry. BYFC is outperformed by 88.94% of its industry peers.
Industry RankSector Rank
ROA 0.16%
ROE 0.78%
ROIC N/A
ROA(3y)0.27%
ROA(5y)0.06%
ROE(3y)1.24%
ROE(5y)-0.09%
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 2024 0 5 10 15

1.3 Margins

BYFC's Profit Margin of 5.02% is on the low side compared to the rest of the industry. BYFC is outperformed by 88.19% of its industry peers.
The Operating Margin and Gross Margin are not available for BYFC so they could not be analyzed.
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 5YN/A
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 2024 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.
BYFC has more shares outstanding than it did 1 year ago.
BYFC has less shares outstanding than it did 5 years ago.
BYFC has a better debt/assets ratio than last year.
BYFC Yearly Shares OutstandingBYFC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2024 200M 400M 600M 800M 1B

2.2 Solvency

BYFC has a debt to FCF ratio of 25.03. This is a negative value and a sign of low solvency as BYFC would need 25.03 years to pay back of all of its debts.
The Debt to FCF ratio of BYFC (25.03) is worse than 82.41% of its industry peers.
BYFC has a Debt/Equity ratio of 0.66. This is a neutral value indicating BYFC is somewhat dependend on debt financing.
The Debt to Equity ratio of BYFC (0.66) is worse than 80.15% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF 25.03
Altman-Z N/A
ROIC/WACCN/A
WACC5.34%
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 2024 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 2024 50M 100M 150M 200M

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3

3. Growth

3.1 Past

The earnings per share for BYFC have decreased strongly by -94.73% in the last year.
Looking at the last year, BYFC shows a quite strong growth in Revenue. The Revenue has grown by 18.20% in the last year.
Measured over the past years, BYFC shows a very strong growth in Revenue. The Revenue has been growing by 23.69% on average per year.
EPS 1Y (TTM)-94.73%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-80.6%
Revenue 1Y (TTM)18.2%
Revenue growth 3Y11.24%
Revenue growth 5Y23.69%
Sales Q2Q%-26.39%

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 2024 10M 20M 30M

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2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 329.50, the valuation of BYFC can be described as expensive.
Compared to the rest of the industry, the Price/Earnings ratio of BYFC indicates a rather expensive valuation: BYFC more expensive than 88.69% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of BYFC to the average of the S&P500 Index (28.92), we can say BYFC is valued expensively.
Industry RankSector Rank
PE 329.5
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

91.71% 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 5.23
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)N/A
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 (4/25/2025, 11:41:03 AM)

6.59

-0.04 (-0.6%)

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 Change0.1%
Ins Owners4.21%
Ins Owner Change0.92%
Market Cap39.67M
Analysts0
Price TargetN/A
Short Float %0.26%
Short Ratio1.96
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 329.5
Fwd PE N/A
P/S 0.9
P/FCF 5.23
P/OCF 5.08
P/B 0.14
P/tB 0.15
EV/EBITDA N/A
EPS(TTM)0.02
EY0.3%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.26
FCFY19.11%
OCF(TTM)1.3
OCFY19.68%
SpS7.35
BVpS47.57
TBVpS42.97
PEG (NY)N/A
PEG (5Y)N/A
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)0.27%
ROA(5y)0.06%
ROE(3y)1.24%
ROE(5y)-0.09%
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 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
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-Score6
WACC5.34%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-94.73%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-80.6%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)18.2%
Revenue growth 3Y11.24%
Revenue growth 5Y23.69%
Sales Q2Q%-26.39%
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 1Y40.45%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y55.72%
OCF growth 3YN/A
OCF growth 5YN/A