A Business at a Glance
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BROADWAY FINANCIAL CORP \DE\
BYFC
$88M
Mkt Cap
$10.23
+2.10%
BROADWAY FINANCIAL CORP \DE\ (BYFC) has a 5-year average return on invested capital (ROIC) of -1.9%. This is below average and may indicate limited pricing power.
BROADWAY FINANCIAL CORP \DE\ (BYFC) has a market capitalization of $88M. It is classified as a small-cap stock.
Yes, BROADWAY FINANCIAL CORP \DE\ (BYFC) pays a dividend with a trailing twelve-month yield of 3.41%.
BROADWAY FINANCIAL CORP \DE\ (BYFC) operates in the Savings Institution, Federally Chartered industry, within the Financials sector.
BROADWAY FINANCIAL CORP \DE\ (BYFC) reported annual revenue of $63 million in its most recent fiscal year, based on SEC EDGAR filings.
BROADWAY FINANCIAL CORP \DE\ (BYFC) has a net profit margin of -44.1%. The company is currently unprofitable.
BROADWAY FINANCIAL CORP \DE\ (BYFC) generated $-13 thousand in free cash flow in its most recent fiscal year. Negative free cash flow may indicate heavy investment or operational challenges.
Broadway Financial Corporation (the “Company”) was incorporated under Delaware law in 1995 for the purpose of acquiring and holding all of the outstanding capital stock of Broadway Federal Savings and Loan Association as part of the bank’s conversion from a federally chartered mutual savings association to a federally chartered stock savings bank. In connection with the conversion, the bank’s name was changed to Broadway Federal Bank, f.s.b. (“Broadway Federal”). The conversion was completed, and Broadway Federal became a wholly‑owned subsidiary of the Company, in January 1996. On April 1, 2021, the Company completed its merger (the “Merger”) with CFBanc Corporation (“CFBanc”), with the Company continuing as the surviving entity. Immediately following the Merger, Broadway Federal merged with and into City First Bank of D.C, National Association with City First Bank of D.C.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 63M | 63M | 66M | 54M | 37M | 28M |
| Net Income | -28M | -28M | 1.9M | 4.3M | 5.6M | -4.1M |
| EPS | $-3.23 | $-3.23 | $0.04 | $0.49 | $0.62 | $-0.07 |
| Free Cash Flow | -13K | -13K | 1.3M | 7.4M | 6.0M | -514K |
| ROIC | -7.7% | -10.1% | 0.7% | 1.5% | 2.5% | -4.0% |
| Gross Margin | 0.0% | 0.0% | 78.9% | 83.9% | 88.2% | 86.0% |
| Debt/Equity | 0.00 | 0.00 | 0.01 | 0.11 | 0.05 | 0.10 |
| Dividends/Share | $0.35 | $0.35 | $0.03 | $0.00 | $0.00 | $0.00 |
| Operating Income | -24M | -24M | 1.1M | 1.0M | 1.1M | 922K |
| Operating Margin | -38.8% | -38.8% | 1.7% | 1.9% | 2.8% | 3.3% |
| ROE | -10.6% | -10.1% | 0.7% | 1.5% | 2.7% | -4.3% |
| Shares Outstanding | 9M | 9M | 48M | 9M | 9M | 58M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 17M | 18M | 16M | 19M | 16M | 18M | 19M | 28M | 37M | 54M | 66M | 63M | 63M |
| Gross Margin | 59.5% | 58.1% | 72.9% | 71.0% | 61.6% | 64.3% | 70.5% | 86.0% | 88.2% | 83.9% | 78.9% | 0.0% | 0.0% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 6.9M | 8.1M | 7.0M | 7.1M | 7.1M | 7.4M | 8.4M | 16M | 14M | 16M | 18M | 19M | 19M |
| EBIT | 2.5M | 4.5M | 290K | 114K | 113K | 124K | 126K | 922K | 1.1M | 1.0M | 1.1M | -24M | -24M |
| Op. Margin | 15.1% | 24.9% | 1.8% | 0.6% | 0.7% | 0.7% | 0.7% | 3.3% | 2.8% | 1.9% | 1.7% | -38.8% | -38.8% |
| Net Income | 2.5M | 9.1M | 3.5M | 1.9M | 812K | -206K | -642K | -4.1M | 5.6M | 4.3M | 1.9M | -28M | -28M |
| Net Margin | 15.1% | 50.2% | 21.3% | 9.9% | 5.0% | -1.2% | -3.4% | -14.5% | 15.0% | 8.0% | 2.9% | -44.1% | -44.1% |
| Non-Recurring | 457K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 26M | 26M |
| Returns on Capital | |||||||||||||
| ROIC | 8.0% | 21.7% | 7.6% | 4.0% | 1.7% | -0.4% | -1.3% | -4.0% | 2.5% | 1.5% | 0.7% | -10.1% | -7.7% |
| ROE | 8.0% | 21.7% | 7.6% | 4.0% | 1.7% | -0.4% | -1.3% | -4.3% | 2.7% | 1.5% | 0.7% | -10.1% | -10.6% |
| ROA | 0.7% | 2.4% | 0.8% | 0.4% | 0.2% | -0.0% | -0.1% | -0.5% | 0.5% | 0.3% | 0.1% | -2.1% | -2.1% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 1.3M | 14M | 930K | -10M | 234K | 8.5M | -14M | 624K | 6.3M | 7.6M | 1.4M | 230K | 230K |
| Free Cash Flow | 1.1M | 14M | 770K | -10M | 157K | 8.5M | -14M | -514K | 6.0M | 7.4M | 1.3M | -13K | -13K |
| Owner Earnings | 1.1M | 14M | 647K | -11M | -115K | 8.3M | -14M | -570K | 5.9M | 7.0M | 773K | -419K | -419K |
| CapEx | 213K | 111K | 160K | 183K | 77K | 41K | 415K | 1.1M | 323K | 208K | 138K | 243K | 243K |
| Maint. CapEx | 241K | 238K | 251K | 256K | 241K | 227K | 121K | 680K | 376K | 385K | 424K | 410K | 410K |
| Growth CapEx | 0 | 0 | 0 | 0 | 0 | 0 | 294K | 458K | 0 | 0 | 0 | 0 | 0 |
| D&A | 241K | 238K | 251K | 256K | 241K | 227K | 121K | 680K | 376K | 385K | 424K | 410K | 410K |
| CapEx/OCF | 16.3% | 0.8% | 17.2% | N/A | 32.9% | 0.5% | N/A | 182.4% | 5.1% | 2.7% | 9.9% | N/A | 105.7% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 60K | 15K | 0 | 1.6M | 3.0M | 3.0M |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% | 0.0% | N/A | 0.5% | N/A | 3.4% |
| Share Buybacks | 0 | 0 | 4.0M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | 1.0% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% | 0.0% |
| Stock-Based Comp | 11K | 0 | 32K | 184K | 108K | 14K | 0 | 514K | 0 | 196K | 196K | 239K | 239K |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | -35M | 84M | N/A | N/A | N/A | N/A | -107M | -374M | -331M | -391M | -263M | -267M | -11M |
| Cash & Equiv. | 21M | 68M | 18M | 22M | 17M | 16M | 96M | 232M | 16M | 105M | 61M | 11M | 11M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 14M | 14M | 14M | 0 | 0 | N/A |
| Debt/Equity | 0.09 | 3.59 | 8.43 | 7.67 | 7.45 | 8.02 | 0.00 | 0.10 | 0.05 | 0.11 | 0.01 | 0.00 | 0.00 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0 | 0.0 |
| Equity | 37M | 46M | 46M | 48M | 48M | 49M | 49M | 141M | 279M | 282M | 285M | 263M | 263M |
| Total Assets | 351M | 403M | 429M | 414M | 409M | 440M | 483M | 1.1B | 1.2B | 1.4B | 1.3B | 1.3B | 1.3B |
| Total Liabilities | 314M | 357M | 384M | 366M | 361M | 392M | 434M | 952M | 905M | 1.1B | 1.0B | 1.1B | 1.1B |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 2.9M | 2.5M | 2.1M | 1.8M | 1.5M | 1.5M |
| Retained Earnings | -6.5M | 2.5M | 6.0M | 7.8M | 8.6M | 8.4M | 7.8M | 3.7M | 9.3M | 12M | 13M | -15M | -15M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Per Share Data | |||||||||||||
| EPS | 0.11 | 0.31 | 0.12 | 0.07 | 0.03 | -0.01 | -0.02 | -0.07 | 0.62 | 0.49 | 0.04 | -3.23 | -3.23 |
| Owner EPS | 0.05 | 0.48 | 0.02 | -0.40 | -0.00 | 0.40 | -0.43 | -0.01 | 0.66 | 0.79 | 0.02 | -0.05 | -0.05 |
| Book Value | 1.62 | 1.58 | 1.57 | 1.79 | 1.79 | 2.37 | 1.52 | 2.44 | 30.89 | 31.90 | 5.91 | 30.53 | 30.53 |
| Cash Flow/Share | 0.06 | 0.48 | 0.03 | -0.38 | 0.01 | 0.41 | -0.42 | 0.01 | 0.70 | 0.86 | 0.03 | 0.03 | -3.18 |
| Dividends/Share | N/A | N/A | N/A | N/A | N/A | N/A | 0.00 | 0.00 | 0.00 | 0.00 | 0.03 | 0.35 | 0.35 |
| Shares Out. | 23.0M | 29.3M | 29.0M | 26.6M | 27.1M | 20.6M | 32.1M | 57.9M | 9.0M | 8.8M | 48.2M | 8.6M | 8.6M |
| Valuation | |||||||||||||
| P/E Ratio | 92.4 | 39.0 | 110.0 | 266.3 | 290.7 | N/A | N/A | N/A | 13.7 | 14.5 | 173.0 | N/A | -3.2 |
| P/FCF | 213.1 | 25.2 | 496.7 | N/A | N/A | 27.8 | N/A | N/A | 12.8 | 8.5 | 265.9 | N/A | N/A |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 820.0 | N/A | N/A | 21.7 | N/A | N/A |
| Price/Book | 6.3 | 7.7 | 8.4 | 10.4 | 4.9 | 4.8 | 9.9 | 8.0 | 0.3 | 0.2 | 0.2 | N/A | 0.3 |
| Price/Sales | 19.8 | 22.6 | 32.0 | 30.2 | 36.3 | 21.5 | 31.9 | 51.2 | 2.9 | 2.0 | 1.6 | N/A | 1.4 |
| FCF Yield | 0.5% | 4.0% | 0.2% | -2.1% | 0.1% | 3.6% | -2.9% | -0.0% | 7.8% | 11.8% | 2.0% | N/A | -0.0% |
| Market Cap | 234M | 354M | 382M | 496M | 236M | 236M | 485M | 1.1B | 77M | 63M | 63M | 0 | 88M |
| Avg. Price | 11.13 | 10.98 | 13.75 | 16.42 | 14.99 | 12.02 | 13.12 | 21.42 | 10.92 | 7.92 | 5.99 | 0.00 | 10.23 |
| Year-End Price | 10.16 | 12.08 | 13.20 | 18.64 | 8.72 | 11.44 | 15.12 | 19.52 | 8.48 | 7.09 | 6.92 | 0.00 | 10.23 |
BROADWAY FINANCIAL CORP \DE\ passes 3 of 9 quality checks, indicating weak fundamentals.
The company's 5-year average gross margin is 67.4%. Total shareholder yield (dividends) is 3.4%. At current prices, the estimated annualized return to fair value is +29.5%.
BROADWAY FINANCIAL CORP \DE\ (BYFC) has a debt-to-equity ratio of 0.00. This indicates a conservatively financed balance sheet.
BROADWAY FINANCIAL CORP \DE\ (BYFC) reported earnings per share (EPS) of $-3.23 in its most recent fiscal year.
BROADWAY FINANCIAL CORP \DE\ (BYFC) has a return on equity (ROE) of -10.1%. A negative ROE may indicate losses or negative equity.
BROADWAY FINANCIAL CORP \DE\ (BYFC) has a 5-year average gross margin of 67.4%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for BROADWAY FINANCIAL CORP \DE\ (BYFC), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
BROADWAY FINANCIAL CORP \DE\ (BYFC) has a book value per share of $30.53, based on its most recent annual SEC filing.
No recent press releases.