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BYFC
Upturn stock ratingUpturn stock rating

Broadway Financial Corporation (BYFC)

Upturn stock ratingUpturn stock rating
$7.34
Last Close (24-hour delay)
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PASS
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  • SELL Advisory (Loss)​
  • Profit
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Upturn Stock infoUpturn Stock info Stock price based on last close
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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

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 stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn 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

ai summary icon Upturn AI SWOT

Broadway Financial Corporation

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 106

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.