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Broadway Financial Corporation(BYFC)Earnings, Financials & Key Ratios
BYFC•NASDAQ•Banking & Credit
$9.25
$86M mkt cap·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
AboutBroadway Financial Corporation operates as the holding company for City First Bank, National Association that provides various banking products and services in the United States. It accepts various deposit accounts, including savings accounts, checking accounts, NOW accounts, money market accounts, and fixed-term certificates of deposit. The company also offers mortgage loans, which are secured by multi-family residential properties; single family residential properties; and commercial real estate, including charter schools, community facilities, and churches, as well as commercial business, construction, and consumer loans. In addition, it invests in securities issued by federal government agencies, residential mortgage-backed securities, and other investments. The company operates through three branch offices. Broadway Financial Corporation was founded in 1946 and is headquartered in Los Angeles, California.Show more
- Net Interest Income$33M+4.3%
- Total Revenue$63M-3.8%
- Net Income-$25M-1385.4%
- Return on Equity-9.05%-1430.2%
- Net Interest Margin2.46%+3.5%
- Efficiency Ratio90.72%+98.8%
- ROA-1.85%-1400.1%
- Equity / Assets19.54%-8.5%
- Book Value per Share30.51-4.0%
- Tangible BV/Share30.34+5.7%
- Debt/Equity0.58-43.5%
BYFC Key Insights
Broadway Financial Corporation (BYFC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Well capitalized: 19.5% equity/assets
- ✓Healthy dividend yield of 3.8%
- ✓Share count reduced 4.0% through buybacks
- ✓Trading near 52-week high
- ✓Trading at only 0.3x book value
✗Weaknesses
- ✗Profits declining 107.7% over 5 years
- ✗High cost structure: 90.7% efficiency ratio
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
BYFC Price & Volume
Broadway Financial Corporation (BYFC) stock price & volume — 10-year historical chart
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BYFC Growth Metrics
Broadway Financial Corporation (BYFC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years13.31%
5 Years27.55%
3 Years18.94%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-1386.34%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-7469.63%
Return on Capital
10 Years-0.04%
5 Years-0.77%
3 Years-1.3%
Last Year-5.62%
BYFC Peer Comparison
Broadway Financial Corporation (BYFC) competitors in Commercial real estate and multifamily lenders — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CARV | 8.72M | 1.65 | -0.62 | -8.28% | -48.38% | 0.98 | ||
 MGYR | 112.72M | 17.40 | 11.15 | 12.08% | 9.18% | 0.41 | ||
 NECB | 337.14M | 24.37 | 7.50 | -1.55% | 13.07% | 0.21 | ||
 HONE | 522.22M | 12.10 | 18.33 | 10.7% | 4.56% | 0.90 | ||
 NWFL | 278.49M | 30.17 | 9.96 | 34.22% | 12.03% | 0.31 | ||
 KRNY | 510.29M | 8.12 | 19.32 | 5.09% | 4.31% | 1.68 | ||
 TRST | 861.09M | 48.62 | 14.96 | 5.77% | 8.86% | 0.28 | ||
 PFSI | 4.54B | 86.94 | 9.35 | 173.81% | 12.02% | 5.35 |
Compare BYFC vs Peers
Broadway Financial Corporation (BYFC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
BYFC Income Statement
Broadway Financial Corporation (BYFC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 11.94M | 10.31M | 10.46M | 12.17M | 21M | 32.86M | 29.46M | 31.77M | 33.15M |
| NII Growth % | 4.61% | -13.66% | 1.48% | 16.33% | 72.59% | 56.45% | -10.34% | 7.83% | 4.34% |
| Net Interest Margin % | 2.89% | 2.52% | 2.38% | 2.52% | 1.92% | 2.77% | 2.14% | 2.38% | 2.46% |
| Interest Income | 16.29M | 15.24M | 16.85M | 17.64M | 24.75M | 36.27M | 47.23M | 63.95M | 61.28M |
| Interest Expense | 4.35M | 4.93M | 6.39M | 5.47M | 3.75M | 3.41M | 17.77M | 32.18M | 28.14M |
| Loan Loss Provision | -1.1M | -1.25M | -7K | 29K | 176K | 997K | 933K | 660K | 2.19M |
| Non-Interest Income | 1.14M | 698K | 889K | 1.02M | 3.21M | 1.2M | 5.36M | 1.55M | 1.75M |
| Non-Interest Income % | 6.55% | 4.38% | 5.01% | 5.49% | 11.49% | 3.19% | 10.19% | 2.37% | 2.78% |
| Total Revenue | 17.43M▲ 0% | 15.94M▼ 8.6% | 17.74M▲ 11.3% | 18.67M▲ 5.3% | 27.97M▲ 49.8% | 37.46M▲ 34.0% | 52.59M▲ 40.4% | 65.5M▲ 24.6% | 63.03M▼ 3.8% |
| Revenue Growth % | 8.33% | -8.57% | 11.3% | 5.26% | 49.8% | 33.96% | 40.36% | 24.56% | -3.76% |
| Non-Interest Expense | 10.45M | 11.39M | 11.91M | 14.21M | 28.93M | 24.94M | 27.36M | 29.89M | 57.18M |
| Efficiency Ratio | 59.95% | 71.47% | 67.14% | 76.14% | 103.44% | 66.57% | 52.04% | 45.64% | 90.72% |
| Operating Income | 3.73M▲ 0% | 871K▼ 76.7% | -551K▼ 163.3% | -1.05M▼ 90.4% | -4.89M▼ 365.8% | 8.12M▲ 266.2% | 6.52M▼ 19.7% | 2.77M▼ 57.6% | -24.47M▼ 983.7% |
| Operating Margin % | 21.41% | 5.47% | -3.11% | -5.62% | -17.47% | 21.67% | 12.4% | 4.23% | -38.82% |
| Operating Income Growth % | 197.37% | -76.66% | -163.26% | -90.38% | -365.78% | 266.17% | -19.66% | -57.55% | -983.71% |
| Pretax Income | 3.73M▲ 0% | 871K▼ 76.7% | -551K▼ 163.3% | -1.05M▼ 90.4% | -4.89M▼ 365.8% | 8.12M▲ 266.2% | 6.52M▼ 19.7% | 2.77M▼ 57.6% | -24.47M▼ 983.7% |
| Pretax Margin % | 21.41% | 5.47% | -3.11% | -5.62% | -17.47% | 21.67% | 12.4% | 4.23% | -38.82% |
| Income Tax | 1.86M | 56K | -345K | -407K | -937K | 2.41M | 1.99M | 815K | 338K |
| Effective Tax Rate % | 49.92% | 6.43% | 62.61% | 38.8% | 19.18% | 29.72% | 30.43% | 29.43% | -1.38% |
| Net Income | 1.87M▲ 0% | 815K▼ 56.4% | -206K▼ 125.3% | -642K▼ 211.7% | -4.05M▼ 530.8% | 5.64M▲ 239.2% | 4.51M▼ 19.9% | 1.93M▼ 57.3% | -24.8M▼ 1385.4% |
| Net Margin % | 10.72% | 5.11% | -1.16% | -3.44% | -14.48% | 15.04% | 8.58% | 2.95% | -39.34% |
| Net Income Growth % | -46.29% | -56.39% | -125.28% | -211.65% | -530.84% | 239.16% | -19.91% | -57.27% | -1385.38% |
| Net Income (Continuing) | 1.87M | 815K | -206K | -642K | -3.95M | 5.71M | 4.54M | 1.95M | -24.81M |
| EPS (Diluted) | 0.56▲ 0% | 0.24▼ 57.1% | -0.06▼ 125.6% | -0.19▼ 209.4% | -0.54▼ 184.2% | 0.64▲ 218.5% | 0.51▼ 20.3% | 0.04▼ 92.2% | -3.23▼ 8175.0% |
| EPS Growth % | -41.67% | -57.14% | -125.58% | -209.45% | -184.21% | 218.52% | -20.31% | -92.16% | -8175% |
| EPS (Basic) | 0.56 | 0.24 | -0.06 | -0.19 | -0.54 | 0.64 | 0.52 | 0.04 | -3.23 |
| Diluted Shares Outstanding | 3.34M | 3.35M | 3.35M | 3.4M | 7.52M | 8.81M | 8.74M | 8.97M | 8.62M |
BYFC Balance Sheet
Broadway Financial Corporation (BYFC) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 39.71M | 31.37M | 26.57M | 106.81M | 387.92M | 344.85M | 422.14M | 146.32M | 22.32M |
| Cash & Due from Banks | 22.22M | 16.65M | 15.57M | 96.11M | 231.52M | 16.11M | 105.19M | 61.37M | 10.51M |
| Short Term Investments | 17.49M | 14.72M | 11.01M | 10.7M | 156.4M | 328.75M | 316.95M | 84.96M | 11.82M |
| Total Investments | 375.25M | 376.85M | 409.02M | 370.88M | 804.91M | 1.1B | 1.2B | 1.2B | 1.27B |
| Investments Growth % | -4.61% | 0.43% | 8.54% | -9.32% | 117.02% | 36.72% | 9.37% | 0.02% | 5.78% |
| Long-Term Investments | 357.76M | 362.13M | 398.01M | 360.19M | 648.51M | 771.69M | 886.61M | 1.12B | 1.26B |
| Accounts Receivables | 1.07M | 1.14M | 1.22M | 1.2M | 3.37M | 3.97M | 4.94M | 5M | 6M |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 28.93M | 28.36M | 27.97M | 27.63M | 1.46M |
| Goodwill | 0 | 0 | 0 | 0 | 26M | 25.86M | 25.86M | 25.86M | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 2.94M | 2.5M | 2.11M | 1.77M | 1.46M |
| PP&E (Net) | 2.41M | 2.24M | 2.78M | 2.54M | 10.34M | 10.29M | 9.84M | 8.9M | 8.73M |
| Other Assets | 7.64M | 7.46M | 6.56M | 7.01M | 4.81M | 13.26M | 10.8M | 19.29M | 38.78M |
| Total Current Assets | 40.79M | 32.52M | 27.8M | 108.01M | 391.29M | 348.83M | 427.08M | 151.32M | 28.32M |
| Total Non-Current Assets | 372.92M | 376.88M | 412.57M | 375.37M | 702.22M | 835.47M | 948.32M | 1.18B | 1.32B |
| Total Assets | 413.7M▲ 0% | 409.4M▼ 1.0% | 440.37M▲ 7.6% | 483.38M▲ 9.8% | 1.09B▲ 126.2% | 1.18B▲ 8.3% | 1.38B▲ 16.1% | 1.33B▼ 2.9% | 1.35B▲ 0.8% |
| Asset Growth % | -3.58% | -1.04% | 7.57% | 9.77% | 126.22% | 8.3% | 16.14% | -2.95% | 0.8% |
| Return on Assets (ROA) | 0.44% | 0.2% | -0.05% | -0.14% | -0.51% | 0.49% | 0.35% | 0.14% | -1.85% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 70.1M | 75.1M | 88.33M | 113.81M | 151.91M | 205.81M | 396.79M | 293.5M | 152.77M |
| Net Debt | 47.88M | 58.45M | 72.77M | 17.71M | -79.61M | 189.71M | 291.6M | 232.13M | 142.27M |
| Long-Term Debt | 70.1M | 75.1M | 88.33M | 113.81M | 99.95M | 142.34M | 323.32M | 226.89M | 72M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 51.96M | 63.47M | 73.47M | 66.61M | 80.77M |
| Other Liabilities | 1.07M | 1.05M | 1.03M | 787K | 0 | 0 | 13.88M | 10.79M | 12.24M |
| Total Current Liabilities | 294.8M | 284.81M | 302.15M | 319.89M | 852.45M | 762.3M | 756.11M | 812.01M | 998.38M |
| Total Non-Current Liabilities | 71.17M | 76.16M | 89.37M | 114.6M | 99.95M | 142.34M | 337.2M | 237.68M | 84.24M |
| Total Liabilities | 365.97M | 360.96M | 391.52M | 434.49M | 952.4M | 904.64M | 1.09B | 1.05B | 1.08B |
| Total Equity | 47.73M▲ 0% | 48.44M▲ 1.5% | 48.85M▲ 0.9% | 48.88M▲ 0.1% | 141.1M▲ 188.6% | 279.65M▲ 98.2% | 282.1M▲ 0.9% | 285.19M▲ 1.1% | 262.96M▼ 7.8% |
| Equity Growth % | 4.84% | 1.48% | 0.85% | 0.08% | 188.64% | 98.19% | 0.87% | 1.1% | -7.8% |
| Equity / Assets (Capital Ratio) | 11.54% | 11.83% | 11.09% | 10.11% | 12.9% | 23.61% | 20.51% | 21.36% | 19.54% |
| Return on Equity (ROE) | 4.01% | 1.7% | -0.42% | -1.31% | -4.26% | 2.68% | 1.61% | 0.68% | -9.05% |
| Book Value per Share | 14.27 | 14.48 | 14.56 | 14.40 | 18.77 | 31.76 | 32.27 | 31.78 | 30.51 |
| Tangible BV per Share | 14.27 | 14.48 | 14.56 | 14.40 | 14.92 | 28.54 | 29.07 | 28.70 | 30.34 |
| Common Stock | 300K | 300K | 305K | 306K | 744K | 95K | 93K | 94K | 95K |
| Additional Paid-in Capital | 46.12M | 46.14M | 46.43M | 46.85M | 140.29M | 144.16M | 142.6M | 142.9M | 143.19M |
| Retained Earnings | 7.82M | 8.63M | 8.43M | 7.78M | 3.67M | 9.29M | 12.55M | 12.73M | -15.24M |
| Accumulated OCI | -81K | -283K | -23K | 164K | -551K | -17.47M | -13.53M | -11.22M | -6.11M |
| Treasury Stock | -5.33M | -5.33M | -5.33M | -5.33M | -5.33M | -5.33M | -5.33M | -5.33M | -5.33M |
| Preferred Stock | 0 | 0 | 0 | 0 | 3M | 150M | 150M | 150M | 150M |
BYFC Cash Flow Statement
Broadway Financial Corporation (BYFC) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -10.23M | 234K | 8.53M | -13.55M | 624K | 6.32M | 7.59M | 1.39M | 230K |
| Operating CF Growth % | -1199.57% | 102.29% | 3546.58% | -258.85% | 104.6% | 913.46% | 20.08% | -81.66% | -83.49% |
| Net Income | 1.87M | 815K | -206K | -642K | -3.95M | 5.71M | 4.51M | 1.95M | -24.81M |
| Depreciation & Amortization | 256K | 241K | 227K | 121K | 680K | 811K | 775K | 760K | 725K |
| Deferred Taxes | 1.85M | 0 | 0 | 0 | 369K | 0 | 0 | 0 | 27K |
| Other Non-Cash Items | -15.42M | -1.16M | 8.09M | -13.29M | 567K | 89K | 26K | 15K | 24.3M |
| Working Capital Changes | 841K | 136K | 48K | -234K | 2.43M | -565K | 1.88M | -1.93M | -179K |
| Cash from Investing | 30.15M | -818K | -39.15M | 50.71M | 25.02M | -323.96M | -100.04M | 28.3M | -79.4M |
| Purchase of Investments | -6.68M | 0 | 0 | -2M | -16.52M | -215.5M | 0 | 0 | -150.47M |
| Sale/Maturity of Investments | 2.25M | 2.44M | 4.05M | 2.54M | 19.16M | 19.32M | 18.39M | 117.13M | 105.14M |
| Net Investment Activity | -4.42M | 2.44M | 4.05M | 537K | 2.64M | -196.18M | 18.39M | 117.13M | -45.33M |
| Acquisitions | 0 | 0 | 0 | 0 | 84.75M | 0 | 0 | 0 | 0 |
| Other Investing | 34.76M | -3.19M | -43.16M | 50.59M | -61.22M | -127.46M | -118.23M | -88.69M | -33.83M |
| Cash from Financing | -16.14M | -4.98M | 29.53M | 43.39M | 109.82M | 102.22M | 181.54M | -73.53M | 28.31M |
| Dividends Paid | 0 | 0 | 0 | 0 | -60K | -15K | 0 | -1.57M | -3M |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | -1.78M | 0 | 0 |
| Stock Issued | 0 | 0 | 0 | 0 | 30.84M | 0 | 0 | 0 | 347K |
| Net Stock Activity | 0 | 0 | 0 | 0 | 30.84M | 0 | -1.78M | 0 | 347K |
| Debt Issuance (Net) | -1000K | 1000K | 1000K | 1000K | -1000K | 1000K | 1000K | -1000K | -1000K |
| Other Financing | 3.86M | -9.98M | 16.3M | 17.91M | 110.04M | -90.13M | 2.32M | 55.9M | 171.69M |
| Net Change in Cash | 3.79M▲ 0% | -5.57M▼ 247.0% | -1.08M▲ 80.5% | 80.54M▲ 7523.3% | 135.41M▲ 68.1% | -215.41M▼ 259.1% | 89.09M▲ 141.4% | -43.83M▼ 149.2% | -50.86M▼ 16.0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 18.43M | 22.22M | 16.65M | 15.57M | 96.11M | 231.52M | 16.11M | 105.19M | 61.37M |
| Cash at End | 22.22M | 16.65M | 15.57M | 96.11M | 231.52M | 16.11M | 105.19M | 61.37M | 10.51M |
| Interest Paid | 4.2M | 4.9M | 6.34M | 5.77M | 3.72M | 3.05M | 16.92M | 30.63M | 0 |
| Income Taxes Paid | 20K | 0 | 13K | 8K | 711K | 332K | 2.04M | 416K | 0 |
| Free Cash Flow | -10.41M▲ 0% | 157K▲ 101.5% | 8.49M▲ 5308.9% | -13.97M▼ 264.5% | -514K▲ 96.3% | 6M▲ 1267.5% | 7.39M▲ 23.1% | 1.25M▼ 83.0% | -13K▼ 101.0% |
| FCF Growth % | -1451.82% | 101.51% | 5308.92% | -264.51% | 96.32% | 1267.51% | 23.08% | -83.01% | -101.04% |
BYFC Banking Ratios
Broadway Financial Corporation (BYFC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 7.59% | 4.01% | 1.7% | -0.42% | -1.31% | -4.26% | 2.68% | 1.61% | 0.68% | -9.05% |
| Return on Assets (ROA) | 0.84% | 0.44% | 0.2% | -0.05% | -0.14% | -0.51% | 0.49% | 0.35% | 0.14% | -1.85% |
| Net Interest Margin | 2.66% | 2.89% | 2.52% | 2.38% | 2.52% | 1.92% | 2.77% | 2.14% | 2.38% | 2.46% |
| Efficiency Ratio | 71.52% | 59.95% | 71.47% | 67.14% | 76.14% | 103.44% | 66.57% | 52.04% | 45.64% | 90.72% |
| Equity / Assets | 10.61% | 11.54% | 11.83% | 11.09% | 10.11% | 12.9% | 23.61% | 20.51% | 21.36% | 19.54% |
| Book Value / Share | 12.52 | 14.27 | 14.48 | 14.56 | 14.4 | 18.77 | 31.76 | 32.27 | 31.78 | 30.51 |
| NII Growth | 1.08% | 4.61% | -13.66% | 1.48% | 16.33% | 72.59% | 56.45% | -10.34% | 7.83% | 4.34% |
BYFC SEC Filings & Documents
Broadway Financial Corporation (BYFC) SEC filings — annual & quarterly reports (10-K, 10-Q)
BYFC Frequently Asked Questions
Broadway Financial Corporation (BYFC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Broadway Financial Corporation (BYFC) saw revenue decline by 3.8% over the past year.
Broadway Financial Corporation (BYFC) reported a net loss of $24.8M for fiscal year 2025.
Dividend & Returns
Yes, Broadway Financial Corporation (BYFC) pays a dividend with a yield of 3.76%. This makes it attractive for income-focused investors.
Broadway Financial Corporation (BYFC) has a return on equity (ROE) of -9.0%. Negative ROE indicates the company is unprofitable.
Industry Metrics
Broadway Financial Corporation (BYFC) has a net interest margin (NIM) of 2.5%. NIM has been under pressure due to interest rate environment.
Broadway Financial Corporation (BYFC) has an efficiency ratio of 90.7%. This is higher than peers, suggesting room for cost optimization.
Explore More BYFC
Broadway Financial Corporation (BYFC) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
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Dividend History
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Earnings History
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Price History
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Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
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