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Broadway Financial Corporation (BYFC)
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Upturn Advisory Summary
01/06/2026: BYFC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 -40.81% | Avg. Invested days 21 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 01/06/2026 |
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 (BWFC) was founded in 1946 as Broadway Federal Savings and Loan Association. It is a federal savings association headquartered in Los Angeles, California. The company's primary mission has been to serve the African American community and other underserved populations in its operating areas. A significant milestone was its conversion from a mutual savings bank to a stock savings bank in 1999. Over the years, BWFC has focused on community reinvestment and providing accessible financial services.
Core Business Areas
- Community-Focused Banking: Broadway Financial Corporation's core business revolves around providing a range of banking and financial services tailored to its target communities. This includes deposit accounts, real estate lending, consumer loans, and business loans.
- Mortgage Lending: A significant portion of BWFC's lending activity is focused on residential and commercial mortgages, particularly within its historically underserved markets.
Leadership and Structure
Broadway Financial Corporation operates as a holding company for Broadway Federal Bank, FSB. The leadership team typically includes a President and CEO, Chief Financial Officer, and other executive officers, overseeing various banking operations and strategic initiatives. The company is governed by a Board of Directors.
Top Products and Market Share
Key Offerings
- Deposit Accounts: Offers a variety of checking, savings, and money market accounts designed to meet the needs of individuals and small businesses. Competitors include large national banks, regional banks, and other community banks.
- Residential Mortgages: Provides a range of mortgage loan products for home purchases and refinancing. Competitors include national mortgage lenders, local banks, and credit unions.
- Small Business Loans: Offers loans to small businesses within its service area to foster economic development. Competitors include the Small Business Administration (SBA) lenders, other community banks, and commercial lenders.
Market Dynamics
Industry Overview
The banking industry in the US is highly competitive and influenced by regulatory changes, interest rate environments, technological advancements, and economic conditions. Community banks, like Broadway Financial Corporation, often focus on relationship banking and serving specific geographic or demographic segments.
Positioning
Broadway Financial Corporation is positioned as a community-focused bank, with a historical emphasis on serving minority and underserved communities. Its competitive advantages lie in its long-standing presence and trusted relationships within these communities, offering personalized service and tailored products. However, it faces intense competition from larger financial institutions with greater resources and broader product offerings.
Total Addressable Market (TAM)
The TAM for community banking services is vast, encompassing all individuals and businesses seeking financial services. For Broadway Financial Corporation, its TAM is more specifically defined by its geographic footprint and its focus on underserved demographics. While the overall banking market is in the trillions, BWFCu2019s addressable market is a niche within that, likely in the billions considering its operational scope. BWFCu2019s positioning is that of a specialized provider within this larger market, aiming to capture a significant share of its target segments.
Upturn SWOT Analysis
Strengths
- Strong community ties and reputation, particularly within African American communities.
- Long operating history and established customer base.
- Focus on relationship banking and personalized customer service.
- Commitment to Community Reinvestment Act (CRA) objectives.
Weaknesses
- Limited geographic reach and scale compared to larger competitors.
- Smaller capital base and potentially fewer resources for technological investment.
- Dependence on traditional banking products and services.
- Vulnerability to economic downturns impacting its target communities.
Opportunities
- Leveraging technology to enhance digital banking services and reach a wider audience.
- Expanding product offerings to meet evolving customer needs.
- Strategic partnerships or collaborations to increase market penetration.
- Continued focus on serving underserved markets with tailored financial literacy programs.
Threats
- Intensified competition from larger banks and fintech companies.
- Rising interest rates impacting loan demand and profitability.
- Evolving regulatory landscape.
- Economic instability affecting the financial health of its customer base.
Competitors and Market Share
Key Competitors
- Banc of California, Inc. (BANC)
- Ponce Financial Group, Inc. (PGF)
- United Community Banks, Inc. (UCBI)
Competitive Landscape
Broadway Financial Corporation faces a competitive landscape with larger regional banks and other community banks vying for market share. Its advantages lie in its niche focus and deep community relationships. However, it faces disadvantages in terms of scale, technological investment capacity, and potentially broader product breadth compared to its larger rivals. Its ability to compete effectively hinges on its differentiated approach and continued strength within its core customer segments.
Growth Trajectory and Initiatives
Historical Growth: Broadway Financial Corporation has experienced gradual growth in its asset base and deposit volume over the years, driven by its community focus. However, growth rates may have been more modest compared to larger, more diversified financial institutions. The company's expansion has often been organic, focusing on deepening relationships within its existing markets.
Future Projections: Future growth projections for BWFC would depend on its ability to adapt to changing market dynamics, leverage technology, and potentially expand its product and service offerings. Analyst estimates, if available, would provide quantitative insights into expected revenue and earnings growth. A key factor will be its success in attracting new customers and expanding its reach while maintaining its community focus.
Recent Initiatives: Recent initiatives might include enhancements to digital banking platforms, new loan product offerings aimed at specific market needs, or strategic partnerships to broaden its service capabilities and customer acquisition efforts. The company may also be focused on optimizing its operational efficiency and managing risk.
Summary
Broadway Financial Corporation is a community-focused bank with a strong history of serving underserved populations. Its core strengths lie in its deep community ties and personalized service. However, it faces significant challenges from larger competitors and a rapidly evolving financial landscape. Future success will depend on its ability to leverage technology, innovate its product offerings, and strategically expand its reach while maintaining its core mission.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Broadway Financial Corporation Investor Relations
- SEC Filings (10-K, 10-Q)
- Financial news and analysis websites
Disclaimers:
This JSON output is generated based on publicly available information and is intended for informational purposes only. It does not constitute financial advice. Numerical data and market share estimates are approximations and may vary. Readers should conduct their own due diligence before making any investment decisions.
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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