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Upturn AI SWOT - About
Broadway Financial Corporation (BYFC)
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Upturn Advisory Summary
06/30/2025: 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.
Number of Analysts
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $
1 Year Target Price $
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -41.52% | Avg. Invested days 19 | 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 06/30/2025 |
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 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
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. It was created to serve the underserved African American community in Los Angeles. Over time, it has grown into a financial institution focused on providing mortgage and small business lending in low-to-moderate income communities.
Core Business Areas
- Commercial Real Estate Lending: Providing financing for commercial real estate projects, primarily in underserved areas.
- Residential Mortgage Lending: Offering mortgage products to individuals, particularly in low-to-moderate income communities.
- Small Business Lending: Providing loans to small businesses operating in underserved communities.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure includes departments for lending, finance, operations, and compliance. The Board of Directors provides oversight.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans for the acquisition, refinancing, or development of commercial properties in underserved areas. Market share data is difficult to pinpoint exactly due to the highly localized nature of their lending. Competitors include larger regional and national banks, as well as other CDFIs.
- Residential Mortgages: Mortgages offered to individuals in low-to-moderate income communities. This can be traditional or government-backed loans. Competitors include major mortgage lenders, credit unions, and other community banks. Market Share data is difficult to pinpoint.
- Small Business Loans: Loans to small businesses operating in underserved communities to help them grow or start their company. Competitors include online lenders, credit unions, and other community banks. Market Share data is difficult to pinpoint.
Market Dynamics
Industry Overview
The community banking industry is highly competitive, facing pressure from larger institutions, fintech companies, and changing regulatory landscapes. Government programs supporting community development also play a significant role.
Positioning
Broadway Financial Corporation positions itself as a mission-driven lender focused on serving underserved communities. Its competitive advantage lies in its deep community ties and understanding of local market needs. This is a very niche market segment within the larger banking industry
Total Addressable Market (TAM)
The total addressable market is the lending market within low-to-moderate income communities. While difficult to quantify precisely, it represents a significant opportunity. BYFC is positioned to capture a share of this TAM through its focused approach.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Mission-driven focus
- Expertise in underserved markets
- CDF Certification
Weaknesses
- Limited geographic reach
- Smaller asset base compared to larger banks
- Dependence on government programs
- Higher cost of funds than larger banks
Opportunities
- Expansion into new underserved markets
- Increased demand for community development lending
- Partnerships with larger institutions
- Fintech collaboration for streamlined operations
Threats
- Increased competition from larger banks and fintechs
- Economic downturn impacting loan performance
- Changes in government regulations
- Rising interest rates
Competitors and Market Share
Key Competitors
- Private lenders specializing in similar loans
- Larger Regional banks
- Small Community Banks
Competitive Landscape
Broadway Financial Corporation faces significant competition from larger banks and other financial institutions. Its niche focus and community ties provide a competitive advantage, but its smaller size limits its resources.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data is available from financial news providers.
Future Projections: Future projections are based on analyst estimates, which can vary. Check analyst reports.
Recent Initiatives: Recent initiatives information is available from company press releases and investor presentations.
Summary
Broadway Financial Corporation is a mission-driven lender focused on underserved communities, giving them a niche. Its smaller size and limited geographic reach can be a hindrance in the industry. The current economic conditions and interest rates pose a serious threat to performance. Partnerships and strategic initiatives for growth is the focus.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Providers
- Analyst Reports (where available)
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share estimates are approximate and may vary.
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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