Latest Ratios: P/E Ratio -3.7x · EV/EBITDA N/A · ROE -9.0%. (1996–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $110M | $64M | $61M | $59M | $71M | $139M | $50M | $41M | $28M | $63M | $48M |
| Enterprise Value | $253M | $206M | $294M | $351M | $261M | $59M | $68M | $114M | $87M | $111M | $119M |
| P/E Ratio → | -3.68 | — | 171.25 | 13.31 | 12.63 | — | — | — | 35.00 | 33.71 | 13.67 |
| P/S Ratio | 3.16 | 1.83 | 1.84 | 1.70 | 2.09 | 5.74 | 3.81 | 3.64 | 2.55 | 4.83 | 3.91 |
| P/B Ratio | 0.39 | 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 | 479.46 | 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
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 | — | 5.90 | 8.81 | 10.08 | 7.66 | 2.45 | 5.15 | 10.05 | 7.86 | 8.49 | 9.78 |
| 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 |
Margins and return-on-capital ratios measuring operating efficiency
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% |
| 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% |
Solvency and debt-coverage ratios — lower is generally safer
| 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 |
Short-term solvency ratios and asset-utilisation metrics
| 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 | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
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 | 2.9% | 4.7% | 2.5% | — | 0.0% | 0.0% | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
| 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 | 2.9% | 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 |
Includes 30+ ratios · 30 years · Updated daily
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Quick answers to the most common questions about buying BYFC stock.
Broadway Financial Corp.'s current P/E ratio is -3.7x. The historical average is 22.9x.
Broadway Financial Corp.'s return on equity (ROE) is -9.0%. The historical average is 1.5%.
Based on historical data, Broadway Financial Corp. is trading at a P/E of -3.7x. Compare with industry peers and growth rates for a complete picture.
Broadway Financial Corp.'s current dividend yield is 2.93%.
Broadway Financial Corp. has 51.9% gross margin and -38.8% operating margin.
Key Metrics
Top Statement Risk
Urban CRE concentration risk
Metrics are mathematically derived from official filings.
Deep Discount Reflects Operational Uncertainty
According to recent market data, BYFC trades at a P/B ratio of 0.34, which suggests that investors are heavily discounting the bank's tangible book value due to persistent profitability challenges and the lack of a clear path toward achieving a sustainable return on equity above the cost of capital.
The current valuation multiple indicates that the market views the bank as a distressed asset rather than a franchise with a viable growth trajectory. This deep discount to book value implies that the market is pricing in significant potential for further asset quality deterioration or a prolonged period of negative earnings, effectively ignoring the potential value of its unique MDI/CDFI capital access.
DuPont Decomposition Reveals Structural Weakness
As reported in financial statements, the bank's ROE has struggled to remain positive, with a 2025Q3 low of -8.7%, indicating that the combination of thin NIMs and high operating expenses is currently failing to generate meaningful returns for common shareholders despite the bank's specialized mission-driven funding advantages.
The DuPont analysis highlights that the bank's profitability is severely constrained by an inability to leverage its asset base effectively. The persistent negative net margin suggests that the cost of maintaining its specialized urban lending operations outweighs the interest income generated, leaving little room for error in credit underwriting or expense management.
Margin Compression and Efficiency Hurdles
Based on quarterly filings, the bank's NIM has remained stagnant between 0.5% and 0.7% over the last ten quarters, while the efficiency ratio spiked to 194.4% in 2025Q3, demonstrating a fundamental inability to control operating costs relative to the revenue generated from its niche loan portfolio.
The lack of NIM expansion in a volatile rate environment suggests that the bank's funding costs are highly sensitive, potentially offsetting the benefits of its low-cost government capital. Investors should monitor whether the bank can rationalize its high fixed-cost structure, as the current efficiency levels are unsustainable for a regional institution of this size.
Misapplication of P/E Multiples
As noted in institutional research, the P/E ratio is the most commonly misapplied metric for BYFC, as it obscures the impact of volatile loan loss provisions and non-recurring grant income that frequently distort the bank's true operational performance and earnings quality.
Using P/E to value this bank is misleading because it fails to account for the non-cash nature of credit provisions and the lumpy, non-recurring nature of CDFI grant income. Analysts should instead focus on P/TBV and normalized ROTCE to better assess the bank's underlying capital strength and its ability to generate value from its specialized urban real estate lending niche.