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Upturn AI SWOT - About
Broadway Financial Corporation (BYFC)
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Upturn Advisory Summary
10/17/2025: 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 10/17/2025 |
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 (BYFC) was founded in 1946 as Broadway Federal Savings and Loan Association, aiming to provide financial services to underserved communities in Los Angeles. It has evolved into a holding company for Broadway Federal Bank, focusing on commercial and residential real estate lending in urban areas.
Core Business Areas
- Commercial Real Estate Lending: Provides financing for commercial properties, primarily multifamily and mixed-use buildings, in low-to-moderate income communities.
- Residential Real Estate Lending: Offers mortgage loans for single-family homes, focusing on serving the needs of minority and underserved borrowers.
- Retail Banking: Offers a range of deposit products and services to individuals and businesses, including checking accounts, savings accounts, and certificates of deposit.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other senior executives. BYFC operates as a holding company, with Broadway Federal Bank as its primary subsidiary. The board of directors oversees the overall strategy and performance of the corporation.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Primarily multi-family loans in underserved communities. Revenue generated not publicly broken down by product. Competitors: Larger regional and national banks, credit unions, and non-bank lenders.
- Residential Mortgage Loans: Primarily single-family loans targeted at minority and underserved borrowers. Revenue generated not publicly broken down by product. Competitors: Major mortgage lenders such as Rocket Mortgage, United Wholesale Mortgage, and local community banks.
- Deposit Accounts: Checking, savings and CDs offered to retail customers. Revenue generated not publicly broken down by product. Competitors: Bank of America (BAC), JP Morgan Chase (JPM) and local credit unions
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic cycles. Community banks like Broadway Financial face challenges from larger institutions and fintech companies.
Positioning
Broadway Financial Corporation positions itself as a community-focused lender specializing in serving underserved markets. Its competitive advantage lies in its deep understanding of these markets and its commitment to community development.
Total Addressable Market (TAM)
The TAM for community banking in underserved communities is substantial, estimated to be in the hundreds of billions of dollars. BYFC's positioning allows it to capture a share of this market by focusing on relationship banking and local expertise.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Deep understanding of underserved markets
- Experienced management team
- Focus on social impact
Weaknesses
- Limited geographic reach
- Smaller asset base compared to larger banks
- Higher operating costs
- Reliance on specific markets
Opportunities
- Expansion into new underserved markets
- Increased demand for community development financing
- Partnerships with non-profit organizations
- Technological advancements in banking
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn impacting loan performance
- Regulatory changes
- Rising interest rates
Competitors and Market Share
Key Competitors
- ONE (OneUnited Bank)
- UMB Financial Corporation (UMBF)
- Southern Bancorp, Inc. (Not publicly traded)
Competitive Landscape
Broadway Financial competes with larger banks and other community development financial institutions (CDFIs). Its competitive advantage lies in its focus on underserved markets and its commitment to community development.
Major Acquisitions
City First Bank
- Year: 2021
- Acquisition Price (USD millions): 0
- Strategic Rationale: Merger of equals to increase scale and community impact.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been moderate, driven by expansion into new markets and increased loan origination.
Future Projections: Future growth projections depend on various factors, including economic conditions, interest rates, and the company's ability to execute its growth strategy. Analysts need to be consulted for these estimates.
Recent Initiatives: BYFC focuses on expanding its lending activities in targeted urban markets, enhancing its digital banking capabilities, and strengthening its community partnerships.
Summary
Broadway Financial Corporation is a community-focused lender serving underserved markets. Strengths include strong community relationships, but weaknesses include its smaller asset base. Opportunities involve expanding into new markets. Threats include competition from larger institutions, economic downturns and regulatory change. The recent merger with City First Bank has increased its scale.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Financial Reports
- SEC Filings
- Market Research Reports
- Company Press Releases
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market data is subject to change.
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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