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Upturn AI SWOT - About
Broadway Financial Corporation (BYFC)
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Upturn Advisory Summary
09/15/2025: BYFC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -41.04% | Avg. Invested days 24 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 67.20M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.69 | 52 Weeks Range 4.68 - 9.46 | Updated Date 06/29/2025 |
52 Weeks Range 4.68 - 9.46 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.08 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 5.01% | Operating Margin (TTM) -6.95% |
Management Effectiveness
Return on Assets (TTM) 0.13% | Return on Equity (TTM) 0.59% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 230987984 | Price to Sales(TTM) 2.05 |
Enterprise Value 230987984 | Price to Sales(TTM) 2.05 | ||
Enterprise Value to Revenue 8.66 | Enterprise Value to EBITDA - | Shares Outstanding 6133040 | Shares Floating 5170569 |
Shares Outstanding 6133040 | Shares Floating 5170569 | ||
Percent Insiders 29.3 | Percent Institutions 22.4 |
Upturn AI SWOT
Broadway Financial Corporation
Company Overview
History and Background
Broadway Financial Corporation was founded in 1946 as Broadway Federal Savings and Loan Association in Los Angeles, California. It aimed to serve the underserved African American community. It has since evolved into a publicly traded company, expanding its services and geographic reach while maintaining its commitment to community development.
Core Business Areas
- Commercial Real Estate Lending: Provides financing for commercial real estate projects, focusing on properties in underserved communities.
- Residential Real Estate Lending: Offers mortgage products for single-family and multi-family residences.
- Business Banking: Provides deposit accounts, loans, and other banking services to small businesses.
Leadership and Structure
The company is led by a Board of Directors and an executive management team. The organizational structure includes departments responsible for lending, finance, operations, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Offers loans for acquisition, refinance, and construction of commercial properties, focusing on multi-family, retail, and office spaces in low-to-moderate income communities. Market share is small, competing with larger national and regional banks, credit unions, and specialty lenders.
- Residential Mortgage Loans: Provides a variety of residential mortgage products, including fixed-rate, adjustable-rate, and government-insured loans. Market share is small, competing with larger national and regional banks, mortgage companies, and credit unions.
- Business Loans: Offers term loans, lines of credit, and SBA loans to small businesses. Market share is small, competing with larger national and regional banks, credit unions, and online lenders.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory oversight. Community banks like Broadway Financial Corporation face challenges from larger institutions with greater resources, as well as fintech companies. Interest rate changes and economic conditions significantly impact the industry.
Positioning
Broadway Financial Corporation positions itself as a community-focused bank committed to serving underserved markets. Its competitive advantage lies in its deep understanding of these markets and its focus on community development.
Total Addressable Market (TAM)
The TAM for community banking in underserved markets is substantial. Broadway Financial Corporation is positioned to capture a portion of this market by focusing on its niche and leveraging its community relationships.
Upturn SWOT Analysis
Strengths
- Strong community ties
- Focus on underserved markets
- Experienced management team
- Commitment to social responsibility
Weaknesses
- Smaller asset base compared to larger banks
- Limited geographic reach
- Reliance on interest income
- Higher cost of funds compared to larger banks
Opportunities
- Expansion into new markets
- Increased demand for community banking services
- Partnerships with other organizations
- Technological advancements
Threats
- Increased competition from larger banks and fintech companies
- Economic downturns
- Changes in regulations
- Interest rate fluctuations
Competitors and Market Share
Key Competitors
- UMB Financial Corporation (UMBF)
- First Republic Bank (FRCB)
- Hope Bancorp (HOPE)
Competitive Landscape
Broadway Financial Corporation faces intense competition from larger banks with greater resources. Its advantage lies in its community focus and understanding of underserved markets, but must find innovative ways to grow and compete given its small size and capital base.
Growth Trajectory and Initiatives
Historical Growth: Historical growth is difficult to analyze without financials. Look at key ratios of loans, revenue and profitability.
Future Projections: Future growth projections are based on analyst estimates and company guidance, considering factors such as loan growth, expansion plans, and market conditions. These numbers are not available in this context.
Recent Initiatives: Recent strategic initiatives may include branch expansions, new product launches, technology upgrades, or partnerships with community organizations. These are unavailable without specific and updated news.
Summary
Broadway Financial Corporation is a niche player in the banking sector, focusing on underserved communities. While its community focus provides a unique advantage, it faces challenges from larger competitors and a changing regulatory landscape. Its ability to innovate and expand its reach will be crucial for its long-term success. Careful management of costs and risk is essential.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Market research reports
- Financial news sources
- SEC.gov
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Market share data is estimated and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Broadway Financial Corporation
Exchange NASDAQ | Headquaters Los Angeles, CA, United States | ||
IPO Launch date 1996-01-09 | Board Chair, President & CEO Mr. Brian E. Argrett | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 106 | Website https://www.cityfirstbank.com |
Full time employees 106 | Website https://www.cityfirstbank.com | ||
Broadway Financial Corporation operates as the holding company for City First Bank, National Association that provides various banking products and services in the United States. Its deposit products include savings accounts, checking accounts, interest checking 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 provides commercial business loans, loans guaranteed by the Small Business Administration SBA, construction- to-permanent loans, and consumer loans. In addition, it invests in securities issued by federal government agencies, residential mortgage-backed securities, and other investments. The company was founded in 1946 and is headquartered in Los Angeles, California.
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