YCBD vs BYFC vs TLRY vs CARV

For growth investors, Tilray Brands, Inc.

(TLRY) is the stronger pick with 4. 8% revenue growth year-over-year, versus -8. 3% for Carver Bancorp, Inc. (CARV). Analysts rate Tilray Brands, Inc. (TLRY) a "Hold" — based on 20 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

Over the past 5 years, Broadway Financial Corporation (BYFC) delivered a total return of -31.

9%, compared to -99. 9% for cbdMD, Inc. (YCBD). Over 10 years, the gap is even starker: BYFC returned -37. 8% versus YCBD's -100. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Broadway Financial Corporation (BYFC) is the lower-risk stock at 0.

01β versus Tilray Brands, Inc. 's 2. 04β — meaning TLRY is approximately 24441% more volatile than BYFC relative to the S&P 500. On balance sheet safety, Tilray Brands, Inc. (TLRY) carries a lower debt/equity ratio of 22% versus 108% for cbdMD, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Tilray Brands, Inc.

(TLRY) is pulling ahead at 4. 8% versus -8. 3% for Carver Bancorp, Inc. (CARV). On earnings-per-share growth, the picture is similar: cbdMD, Inc. grew EPS 39. 1% year-over-year, compared to -81. 8% for Broadway Financial Corporation. Over a 3-year CAGR, TLRY leads at 12. 5% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

cbdMD, Inc.

(YCBD) is the more profitable company, earning -10. 6% net margin versus -266. 3% for Tilray Brands, Inc. — meaning it keeps -10. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: YCBD leads at -11. 3% versus -277. 9% for TLRY. At the gross margin level — before operating expenses — YCBD leads at 56. 5%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

In this comparison, BYFC (3.

6% yield) pays a dividend. YCBD, TLRY, CARV do not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, Broadway Financial Corporation (BYFC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.

01), 3. 6% yield). Tilray Brands, Inc. (TLRY) carries a higher beta of 2. 04 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (BYFC: -37. 8%, TLRY: -75. 2%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

These companies operate in different sectors (YCBD (Healthcare) and BYFC (Financial Services) and TLRY (Healthcare) and CARV (Financial Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

In terms of investment character: YCBD is a small-cap quality compounder stock; BYFC is a small-cap income-oriented stock; TLRY is a small-cap quality compounder stock; CARV is a small-cap quality compounder stock. BYFC pays a dividend while YCBD, TLRY, CARV do not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.