Broadway Financial Corporation (BYFC) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
N/A
—
5yr avg: 53.50
30Y Low6.5·High83.2
P/FCF
↑
N/A
—
5yr avg: 22.96
30Y Low0.4·High179.0
P/B Ratio
↓
0.32
↓-15% vs avg
5yr avg: 0.38
30Y Low0.1·High1.4
ROE
↓
-9.0%
↑-442% vs avg
5yr avg: -1.7%
30Y Low-56%·High22%
Debt/EBITDA
↑
N/A
—
5yr avg: 53.53
30Y Low8.2·High40.7
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
BYFC Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Broadway Financial Corporation currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $92M | $64M | $61M | $59M | $71M | $139M | $50M | $41M | $28M | $63M | $48M |
| Enterprise Value | $234M | $206M | $294M | $351M | $261M | $59M | $68M | $114M | $87M | $111M | $119M |
| P/E Ratio → | -3.05 | — | 171.25 | 13.31 | 12.63 | — | — | — | 35.00 | 33.71 | 13.67 |
| P/S Ratio | 1.45 | 1.01 | 0.94 | 1.13 | 1.90 | 4.97 | 2.69 | 2.33 | 1.76 | 3.62 | 2.97 |
| P/B Ratio | 0.32 | 0.24 | 0.22 | 0.21 | 0.25 | 0.98 | 1.03 | 0.85 | 0.58 | 1.32 | 1.05 |
| P/FCF | — | — | 48.99 | 8.04 | 11.86 | — | — | 4.87 | 178.98 | — | 61.98 |
| P/OCF | 397.90 | 277.27 | 44.13 | 7.82 | 11.25 | 222.68 | — | 4.84 | 120.09 | — | 51.31 |
P/E links to full P/E history page with 30-year chart
BYFC EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 3.27 | 4.48 | 6.67 | 6.96 | 2.12 | 3.64 | 6.43 | 5.43 | 6.37 | 7.42 |
| EV / EBITDA | — | — | 83.20 | 48.09 | 29.21 | — | — | — | 77.83 | 27.84 | 79.28 |
| EV / EBIT | — | — | 106.04 | 53.80 | 32.13 | — | — | — | 99.37 | 29.75 | 95.13 |
| EV / FCF | — | — | 233.95 | 47.52 | 43.47 | — | — | 13.44 | 551.27 | — | 155.05 |
BYFC Profitability
Margins and return-on-capital ratios measuring operating efficiency
Broadway Financial Corporation earns an operating margin of -38.8%, below the Financial Services sector average of 21.6%. Operating margins have compressed from 12.4% to -38.8% over the past 3 years, signaling potential cost pressures or competitive headwinds. A negative ROE of -9.0% indicates the company is currently destroying shareholder equity.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 51.9% | 51.9% | 49.9% | 64.4% | 88.2% | 86.0% | 70.5% | 64.0% | 76.9% | 81.4% | 79.3% |
| Operating Margin | -38.8% | -38.8% | 4.2% | 12.4% | 21.7% | -17.5% | -5.6% | -3.1% | 5.5% | 21.4% | 7.8% |
| Net Profit Margin | -39.3% | -39.3% | 2.9% | 8.6% | 15.0% | -14.5% | -3.4% | -1.2% | 5.1% | 10.7% | 21.6% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -9.0% | -9.0% | 0.7% | 1.6% | 2.7% | -4.3% | -1.3% | -0.4% | 1.7% | 4.0% | 7.6% |
| ROA | -1.9% | -1.9% | 0.1% | 0.4% | 0.5% | -0.5% | -0.1% | -0.0% | 0.2% | 0.4% | 0.8% |
| ROIC | -3.7% | -3.7% | 0.3% | 0.8% | 1.6% | -1.6% | -0.5% | -0.3% | 0.5% | 2.2% | 0.7% |
| ROCE | -5.6% | -5.6% | 0.5% | 1.3% | 2.4% | -2.4% | -0.7% | -0.4% | 0.7% | 2.9% | 1.0% |
BYFC Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Net debt stands at $142M ($153M total debt minus $11M cash).
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.58 | 0.58 | 1.03 | 1.41 | 0.74 | 1.08 | 2.33 | 1.81 | 1.55 | 1.47 | 1.98 |
| Debt / EBITDA | — | — | 83.17 | 54.37 | 23.05 | — | — | — | 67.54 | 17.58 | 59.83 |
| Net Debt / Equity | — | 0.54 | 0.81 | 1.03 | 0.68 | -0.56 | 0.36 | 1.49 | 1.21 | 1.00 | 1.57 |
| Net Debt / EBITDA | — | — | 65.78 | 39.96 | 21.24 | — | — | — | 52.56 | 12.01 | 47.59 |
| Debt / FCF | — | — | 184.97 | 39.48 | 31.61 | — | — | 8.57 | 372.29 | — | 93.08 |
| Interest Coverage | -0.87 | -0.87 | 0.09 | 0.37 | 2.38 | -1.30 | -0.19 | -0.09 | 0.18 | 0.86 | 0.32 |
BYFC Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.03x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.56x to 0.03x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.03 | 0.03 | 0.19 | 0.56 | 0.46 | 0.46 | 0.34 | 0.09 | 0.11 | 0.14 | 0.11 |
| Quick Ratio | 0.03 | 0.03 | 0.19 | 0.56 | 0.46 | 0.46 | 0.34 | 0.09 | 0.11 | 0.14 | 0.11 |
| Cash Ratio | 0.01 | 0.01 | 0.08 | 0.14 | 0.02 | 0.27 | 0.30 | 0.05 | 0.06 | 0.08 | 0.06 |
| Asset Turnover | — | 0.05 | 0.05 | 0.04 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
BYFC Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Broadway Financial Corporation returns 3.5% to shareholders annually primarily through dividends.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 3.5% | 4.7% | 2.5% | — | 0.0% | 0.0% | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | 0.6% | 7.5% | 7.9% | — | — | — | 2.9% | 3.0% | 7.3% |
| FCF Yield | — | — | 2.0% | 12.4% | 8.4% | — | — | 20.5% | 0.6% | — | 1.6% |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 3.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 8.4% |
| Total Shareholder Yield | 3.5% | 4.7% | 2.5% | 3.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 8.4% |
| Shares Outstanding | — | $9M | $9M | $9M | $9M | $8M | $3M | $3M | $3M | $3M | $4M |
Peer Comparison
Compare BYFC with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 BYFCYou | $92M | -3.0 | — | — | 51.9% | -38.8% | -9.0% | -3.7% | — |
 CARV | $9M | -0.6 | — | — | 56.3% | -36.8% | -38.2% | -13.0% | — |
 MGYR | $115M | 11.3 | 10.6 | 11.7 | 60.3% | 23.6% | 8.5% | 6.7% | 3.3 |
 NECB | $339M | 7.5 | 5.3 | 6.7 | 66.1% | 39.6% | 13.3% | 12.5% | 1.2 |
 HONE | $522M | 18.3 | 20.8 | 200.7 | 50.9% | 10.9% | 4.7% | 2.3% | 13.3 |
 NWFL | $283M | 10.1 | 8.6 | 9.8 | 63.6% | 26.1% | 12.2% | 7.3% | 2.0 |
 KRNY | $508M | 19.2 | 44.5 | 23.8 | 44.1% | 9.0% | 3.5% | 1.1% | 35.0 |
 TRST | $858M | 14.9 | 11.1 | 18.8 | 67.1% | 29.2% | 9.0% | 7.2% | 2.1 |
 PFSI | $5B | 9.5 | 18.1 | — | 91.4% | 34.6% | 12.3% | 4.4% | 15.3 |
 RKT | $40B | -282.6 | 41.8 | — | 91.6% | 8.7% | -0.4% | 2.0% | — |
 MFIN | $225M | 5.4 | 1.9 | 1.8 | 96.7% | 50.5% | 9.1% | 17.2% | 1.8 |
| Financial Services Median | — | 13.1 | 11.5 | 10.6 | 63.6% | 21.6% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 30 years · Updated daily
See BYFC's True Return
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorIs BYFC Undervalued?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare BYFC vs CARV
Side-by-side business, growth, and profitability comparison vs Carver Bancorp, Inc..
Start ComparisonBYFC — Frequently Asked Questions
Quick answers to the most common questions about buying BYFC stock.
What is Broadway Financial Corporation's P/E ratio?
Broadway Financial Corporation's current P/E ratio is -3.0x. The historical average is 22.9x.
What is Broadway Financial Corporation's ROE?
Broadway Financial Corporation's return on equity (ROE) is -9.0%. The historical average is 1.5%.
Is BYFC stock overvalued?
Based on historical data, Broadway Financial Corporation is trading at a P/E of -3.0x. Compare with industry peers and growth rates for a complete picture.
What is Broadway Financial Corporation's dividend yield?
Broadway Financial Corporation's current dividend yield is 3.54%.
What are Broadway Financial Corporation's profit margins?
Broadway Financial Corporation has 51.9% gross margin and -38.8% operating margin.