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Upturn AI Summary - About
Broadway Financial Corporation(BYFC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BYFC
11/06/2026: BYFC (2-star) is currently NOT-A-BUY. Pass it for now.
Broadway Financial Corporation is a community-focused bank operating as a Minority Depository Institution, serving underserved urban markets through commercial real estate and business lending. The company's primary strength lies in its mission-driven model, which provides a differentiated market position and access to specialized capital. Its main growth opportunity centers on increasing its footprint in affordable housing and community development finance. However, investors should be mindful of risks related to geographic concentration, small-cap liquidity, and sensitivity to interest rate and real estate market cycles. The stock may suit value-oriented investors interested in social impact, though it is not a traditional dividend play.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers growth potential through expansion in impact banking but faces significant scale constraints. |
| Momentum investor | Weak fit | The stock typically lacks the high-volume trading and rapid price appreciation characteristic of momentum setups. |
| Value investor | Strong fit while signal remains positive | Trading at small-cap multiples, the bank may appeal to value investors looking for niche exposure. |
| Dividend investor | Weak fit | The company is not currently focused on returning capital through dividends. |
| Low-risk investor | Weak fit | Small-cap banking stocks generally exhibit higher volatility and credit risk exposure. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Small-cap stocks in the banking sector can experience significant price swings based on interest rate sentiment. |
| Valuation risk | Medium | Investors must assess whether current price-to-book ratios accurately reflect the bank's long-term asset value. |
| Competition risk (Regional/Niche Banking) | High | Competition from larger, better-capitalized regional banks puts pressure on margins and loan origination. |
| Business quality | Medium | While the mission-driven model provides a competitive moat, the bank operates with thinner margins than national institutions. |
| Dividend income | Low / none | The company does not provide a reliable income stream via dividends. |
| Execution risk | Medium | The bank must successfully execute its lending strategy while managing the integration of past organizational changes. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 1.87% | Avg. Invested days 40 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/06/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 107.63M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 2.6K shares | Beta 0.81 | 52 Weeks Range 5.51 - 12.35 | Updated Date 11/08/2026 |
52 Weeks Range 5.51 - 12.35 | Updated Date 11/08/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) -2.75 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Interest Income | Interest earned on commercial real estate and business loans. | The bank primarily profits from the difference between the interest it receives on loans and the interest it pays to depositors. |
| Fee-Based Services | Service charges on deposit accounts and loan fees. | Secondary revenue comes from bank fees, which provide a smaller but steady stream of income. |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 380.12M | Price to Sales(TTM) 2.98 |
Enterprise Value 380.12M | Price to Sales(TTM) 2.98 | ||
Enterprise Value to Revenue 9.12 | Enterprise Value to EBITDA - | Shares Outstanding 6.18M | Shares Floating 4.17M |
Shares Outstanding 6.18M | Shares Floating 4.17M | ||
Percent Insiders 29.22 | Percent Institutions 26.39 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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