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Broadway Financial Corporation

BYFC Financial Banks Regional

Broadway Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $63.0 million, down 3.76% from fiscal 2024.

Revenue
+27.1%
EPS
+200.0%
Free cash flow
+24.7%
Total debt
−14.0%

Quarter to June 2026, against a year earlier

11.52 0.10 −0.86%
Market cap
$106.9M
P/E
0.0×
Fwd P/E
−40.6×
Dividend yield
—
F-score
4/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 0.16
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — 3 — — — — — —
Insider Ownership 49.65%

Capital & Financial Ratios $m

Size
Market Cap 106.89
Revenue ttm 68.74
Net income ttm (20.56)
Free cash flow ttm 6.18
Net debt Q 41.55
Valuation
P/E 0.00
Forward P/E (40.60) (negative: loss-making)
Price / sales 1.45
Forward P/S Powerpack
Price / FCF 16.17
Price / book 0.89
Financial health
Current ratio Q 0.98
Debt / equity Q 0.36
Interest coverage Q —
Growth
Revenue growth Q +27.12% (above 0%: growing)
Operating income growth Q +42.32% (above 0%: growing)
EPS, this year —
EPS, next year A —
Revenue, next year A +28.56% (at or above 10%: strong)
EPS, past 5 yrs —
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/S against its own 10 years 27.25%
10-year low 10-year high
P/B against its own 10 years 57.10%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 109 65 14 52
Receivables — — — —
Inventory — — — —
Other — — — —
1,025 1,070 1,037 1,186
2023 2024 2025 Q'26
Payables 683 745 918 1,115
ST’ Debt — — — —
Other — — — —
784 823 1,011 1,207

Compound Annual Growth %

10y 5y 3y
Sales 13.31% 27.55% 18.94%
Cash Flow (33.77%) 0.00% (66.87%)
Earnings 0.00% 0.00% 0.00%
Book Value 19.00% 40.00% (2.03%)

EPS $

Mar Jun Sep Dec Year
’26 0.09 0.02 — — —
’25 (0.39) 0.00 (2.86) 0.04 (3.23)
’24 (0.02) 0.03 (0.03) 0.06 0.04
’23 0.16 0.03 0.01 0.31 0.51
’22 0.08 0.24 0.16 0.16 0.64
’21 (1.04) 0.08 0.02 (0.16) (0.56)
’20 (0.01) 0.06 (0.08) (0.16) (0.16)
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 17 19 — — —
’25 15 15 16 17 63
’24 16 16 17 17 66
’23 11 12 12 19 54
’22 8 9 10 11 37
’21 4 9 8 7 28
’20 5 5 5 4 19
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 1 4 — — —
’25 (4) 3 4 (2) 0
’24 (12) 10 6 (3) 1
’23 4 (2) 2 4 8
’22 (2) 1 6 1 6
’21 (2) (1) 7 (3) 1
’20 (46) (3) 9 26 (14)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 1 4 — — —
’25 (4) 3 4 (2) 0
’24 (12) 10 6 (3) 1
’23 4 (2) 2 3 7
’22 (2) 1 5 1 6
’21 (2) (1) 6 (4) (1)
’20 (46) (3) 9 26 (14)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 16 19 16 18 19 28 37 54 66 63 69 +16.2% — — — —
Gross margin, % 76.26 76.89 69.39 64.32 70.67 86.59 90.90 64.22 50.87 55.37 56.06 (20.9) pt
EBT 1 4 1 (1) (1) (5) 8 6 3 (24) (19) n/m
EBT margin, % 7.68 19.83 5.41 (3.08) (5.62) (17.47) 21.67 11.54 4.23 (38.82) (27.38) (46.5) pt
Net income 3 2 1 0 (1) (4) 6 4 2 (25) (21) n/m
Per share, $
Per share, $ Revenue 4.51 5.64 4.81 5.34 5.50 3.72 4.14 6.28 7.74 7.33 7.92 +5.6%
Earnings 0.96 0.56 0.24 (0.06) (0.16) (0.56) 0.64 0.51 0.04 (3.23) (2.71) n/m
Cash flow 0.26 (3.07) 0.07 2.54 (3.99) 0.08 0.70 0.88 0.16 0.03 0.78 (22.2%)
Capex (0.04) (0.05) (0.02) 0.23 (0.12) (0.15) (0.04) (0.02) (0.02) (0.03) (0.06) (4.8%)
Free cash flow 0.21 (3.12) 0.05 2.78 (4.11) (0.07) 0.66 0.86 0.15 0.00 0.71 n/m
Book value 12.56 14.31 14.48 14.56 14.40 18.77 30.90 32.68 33.71 30.59 30.24 +10.4%
Shares, m 4 3 3 3 3 8 9 9 8 9 9 +10.1%
Valuation, ×
Valuation, × P/E 13.67 30.29 32.70 0.00 0.00 0.00 12.75 13.44 171.25 0.00 0.00 27.4
P/S 2.91 3.22 1.74 2.31 2.69 4.97 1.97 1.09 0.88 1.01 1.45 2.3
P/B 1.04 1.27 0.58 0.85 1.03 1.01 0.57 0.45 0.43 0.56 0.89 0.8
EV/Sales 7.30 5.76 5.37 6.37 3.64 (0.26) 4.83 5.37 3.36 1.93 — 4.4
EV/FCF 154.84 (10.42) 551.22 12.25 (4.86) 14.22 30.13 39.39 175.24 (9,350.23) — (838.8)
Cash, $m
Cash, $m Operating cash flow 1 (10) 0 9 (14) 1 6 8 1 0 7 (14.4%)
Capex 0 0 0 1 0 (1) 0 0 0 0 (1) +4.8%
Free cash flow 1 (10) 0 9 (14) (1) 6 7 1 0 6 n/m
Balance, $m
Balance, $m Working capital 106 86 95 112 142 18 17 241 247 26 (21) (14.5%)
Net debt 72 48 58 73 18 (146) 107 232 162 58 42 (2.3%)
Shareholders’ equity 46 48 48 49 49 141 280 282 285 263 262 +21.5%
Returns, %
Returns, % ROA 0.84 0.44 0.20 (0.05) (0.14) (0.51) 0.49 0.33 0.03 (2.07) (1.69) (2.9) pt
ROIC 0.67 2.44 0.51 (0.29) (0.98) 0.00 1.31 0.76 0.39 0.27 1.45 (0.4) pt
ROE 7.58 4.00 1.69 (0.42) (1.31) (4.33) 4.19 3.27 0.27 (22.40) (19.24) (30.0) pt
People
People Employees 67 68 65 64 64 80 84 98 106 98 — +4.3%
Revenue/emp, $m 0.24 0.28 0.25 0.28 0.29 0.35 0.45 0.55 0.62 0.64 — +11.4%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 25 Oct 2026

Broadway Financial Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
SFBC Sound Financial Bancorp, Inc. $115.8M 14.4× — +1.50% (above 0%: growing) +22.50% (above 0%: growing) +132.05% (above 0%: growing) 67.71% 0.00% Compare
PROV Provident Financial Holdings, Inc. $112.7M 17.5× 14.9× +1.58% (above 0%: growing) +40.00% (above 0%: growing) +52.70% (above 0%: growing) 69.62% 0.00% Compare
UNB Union Bankshares, Inc. $112.5M 8.6× — +8.47% (above 0%: growing) +15.09% (above 0%: growing) +1,783.20% (above 0%: growing) 63.79% 0.00% Compare
OPHC OptimumBank Holdings, Inc. $109.6M 5.5× 8.9× +38.96% (above 0%: growing) +29.03% (above 0%: growing) +67.40% (above 0%: growing) 70.97% 0.00% Compare
BOTJ Bank of the James Financial Group, Inc. $108.9M 9.5× 9.7× +6.68% (above 0%: growing) +18.33% (above 0%: growing) −90.59% (below 0%: shrinking) 81.91% 0.00% Compare
BYFC Broadway Financial Corporation $106.9M — (loss-making) — (loss-making) +27.12% (above 0%: growing) n/m +24.68% (above 0%: growing) 55.67% 0.00%
PBHC Pathfinder Bancorp, Inc. $105.6M 836× — +9.22% (above 0%: growing) +7,976.92% (above 0%: growing) +155.06% (above 0%: growing) 60.96% 0.00% Compare
PNBK Patriot National Bancorp Inc. $101.6M — (loss-making) 12.1× +44.21% (above 0%: growing) n/m −716.54% (below 0%: shrinking) 61.76% 0.00% Compare
FNWB First Northwest Bancorp $96.0M — (loss-making) 128× −3.97% (below 0%: shrinking) n/m −247.30% (below 0%: shrinking) 59.40% 0.00% Compare
Median of peers $109.2M 12.0× 12.1× +7.58% +25.77% +60.05% 65.75% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 30 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 926.02k 952.32k 92.00
2024 908.46k 910.03k 85.00
2023 1.04m 973.02k 84.00

Ownership

Directors and executive officers, together 3.02%
City First Enterprises 9.27%
City First Bank, National Association Employee Stock Ownership Trust 6.31%
M3 Partners 4.70%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Broadway Financial Corporation (BYFC) Latest News

28 Jul

Impact 3 ·

28 Apr

Impact 4 · · Business Wire
Impact 3 · · PR Newswire

14 Feb

Impact 3 · · Simply Wall St.

31 Jul

Impact 3 ·

29 Jul

Impact 3 · · PR Newswire

10 Mar

Impact 3 · · PR Newswire

27 Jan

Impact 4 · · PR Newswire

24 Jan

Impact 3 · · Simply Wall St.

15 Jan

Impact 3 · · PR Newswire

29 Oct

Impact 3 · · Business Wire

17 Aug

Impact 3 · · Simply Wall St.

30 Jul

Impact 3 · · Business Wire

11 Jun

Impact 3 · · Business Wire

5 Jun

Impact 3 · · Business Wire

21 May

Impact 3 ·

20 May

Impact 4 · · Business Wire

23 Apr

Impact 3 · · Business Wire

15 Feb

Impact 4 · · Simply Wall St.

31 Oct

Impact 3 · · Business Wire
Impact 3 · · Business Wire

3 Oct

Impact 4 · · Business Wire

16 Aug

Impact 4 · · Simply Wall St.

8 Aug

Impact 3 · · Business Wire

15 May

Impact 4 · · Business Wire
stockrow.com/BYFC · Data as of Oct 25, 2026 · For information only; not investment advice. · © 2026 stockrow.com