📊 BYFC Key Takeaways
Is Broadway Financial Corp. \de\ (BYFC) a Good Investment?
Broadway Financial is experiencing severe operational deterioration with revenue collapsing 99.7% YoY and interest coverage of only 0.2x, indicating inability to service interest obligations from operating income. Despite positive net income and solid equity, the financial institution faces structural stress with near-zero returns on capital (ROE 0.4%, ROA 0.1%), suggesting fundamental viability concerns.
Broadway Financial's fundamentals are dominated by severe profitability weakness: operating income and net income are deeply negative relative to minimal reported revenue, producing extreme negative margins and weak returns on assets and equity. While the balance sheet shows a meaningful equity base and operating cash flow remains positive, the earnings profile suggests poor growth quality and raises concern that current cash generation is not representative of underlying core profitability.
Broadway Financial Corp. \de\ Key Strengths (BYFC)
- Solid stockholders equity base of $262.5M provides capital cushion
- No long-term debt with 0.00x debt-to-equity ratio reduces default risk
- Positive operating and free cash flow generation of $1.1M
- Positive operating cash flow and free cash flow in the latest period
- Large asset base and positive stockholders' equity provide balance-sheet support
- No meaningful long-term debt reported, limiting balance-sheet leverage pressure
BYFC Stock Risks: Broadway Financial Corp. \de\ Investment Risks
- Catastrophic revenue decline of 99.7% YoY signals collapsed business operations
- Interest coverage ratio of 0.2x indicates operating income cannot cover interest expenses; unsustainable for financial institution
- Negligible returns on equity (0.4%) and assets (0.1%) demonstrate severely impaired capital productivity
- Data quality concerns with reported margins (3243% operating margin, 2634% net margin) suggest potential reporting irregularities
- Extremely weak profitability with large net and operating losses
- Negative ROA and ROE indicate inefficient use of assets and shareholder capital
- Very low reported revenue versus asset size raises concerns about earnings quality and sustainability
Key Metrics to Watch
- Interest coverage ratio and trend in interest expense relative to operating income
- Next quarter revenue and net interest margin stabilization
- Deposit levels and funding stability given financial institution stress signals
- Capital adequacy ratios and regulatory compliance status
- Net income improvement and normalization of operating margin
- Operating cash flow durability relative to reported losses
Broadway Financial Corp. \de\ (BYFC) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 2,486.4% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
BYFC Profit Margin, ROE & Profitability Analysis
BYFC vs Finance Sector: How Broadway Financial Corp. \de\ Compares
How Broadway Financial Corp. \de\ compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Broadway Financial Corp. \de\ Stock Overvalued? BYFC Valuation Analysis 2026
Based on fundamental analysis, Broadway Financial Corp. \de\ has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Broadway Financial Corp. \de\ Balance Sheet: BYFC Debt, Cash & Liquidity
BYFC Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Broadway Financial Corp. \de\'s revenue has declined by 56% over the 5-year period, indicating business contraction. The most recent EPS of $0.04 reflects profitable operations.
BYFC Revenue Growth, EPS Growth & YoY Performance
BYFC Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $43.0K | $1.2M | $0.05 |
| Q3 2025 | $36.0K | $516.0K | $-0.02 |
| Q2 2025 | $38.0K | $102.0K | $0.00 |
| Q1 2025 | $40.0K | -$164.0K | $-0.02 |
| Q3 2024 | $36.0K | $91.0K | $0.01 |
| Q2 2024 | $38.0K | $105.0K | $0.01 |
| Q1 2024 | $40.0K | -$164.0K | $-0.02 |
| Q3 2023 | $21.0K | $91.0K | $0.01 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Broadway Financial Corp. \de\ Dividends, Buybacks & Capital Allocation
BYFC SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Broadway Financial Corp. \de\ (CIK: 0001001171)
📋 Recent SEC Filings
❓ Frequently Asked Questions about BYFC
What is the AI rating for BYFC?
Broadway Financial Corp. \de\ (BYFC) has a Combined AI Grade of D from Claude (D) and ChatGPT (D) with 86% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are BYFC's key strengths?
Claude: Solid stockholders equity base of $262.5M provides capital cushion. No long-term debt with 0.00x debt-to-equity ratio reduces default risk. ChatGPT: Positive operating cash flow and free cash flow in the latest period. Large asset base and positive stockholders' equity provide balance-sheet support.
What are the risks of investing in BYFC?
Claude: Catastrophic revenue decline of 99.7% YoY signals collapsed business operations. Interest coverage ratio of 0.2x indicates operating income cannot cover interest expenses; unsustainable for financial institution. ChatGPT: Extremely weak profitability with large net and operating losses. Negative ROA and ROE indicate inefficient use of assets and shareholder capital.
What is BYFC's revenue and growth?
Broadway Financial Corp. \de\ reported revenue of $44.0K.
Does BYFC pay dividends?
Broadway Financial Corp. \de\ pays dividends, with $0.8M distributed to shareholders in the trailing twelve months.
Where can I find BYFC SEC filings?
Official SEC filings for Broadway Financial Corp. \de\ (CIK: 0001001171) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is BYFC's EPS?
Broadway Financial Corp. \de\ has a diluted EPS of $0.05.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is BYFC's fundamental grade?
Based on our AI fundamental analysis in June 2026, Broadway Financial Corp. \de\ has a D grade with 86% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is BYFC stock overvalued or undervalued?
Valuation metrics for BYFC: ROE of 0.4% (sector avg: 12%), net margin of 2,634.1% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is BYFC's AI grade for 2026?
Our dual AI analysis gives Broadway Financial Corp. \de\ a combined D grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is BYFC's free cash flow?
Broadway Financial Corp. \de\'s operating cash flow is $1.1M, with capital expenditures of $33.0K. FCF margin is 2,486.4%.
How does BYFC compare to other Finance stocks?
Vs Finance sector averages: Net margin 2,634.1% (avg: 25%), ROE 0.4% (avg: 12%), current ratio N/A (avg: 1.2).