Bogota Financial Corporation (BSBK) vs Broadway Financial Corporation (BYFC)

Bogota Financial Corporation and Broadway Financial Corporation are both Banks Regional companies. Bogota Financial Corporation and Broadway Financial Corporation are of similar size ($115.0M and $110.5M). Broadway Financial Corporation has negative trailing earnings, so its P/E is not meaningful; Bogota Financial Corporation trades at 43.4×. Broadway Financial Corporation grew revenue faster over the last twelve months: 8.03% against −3.19%. Bogota Financial Corporation has the higher net margin (5.99% vs −34.6%) and the lower return on invested capital (1.14% vs 1.45%). Across the 18 metrics below, Bogota Financial Corporation leads on 10 and Broadway Financial Corporation on 8.

Valuation

Metric BSBK BYFC Banks Regional median
P/E 43.43 n/m 12.15
P/S 2.64 1.49 2.37
P/B 0.80 0.91 1.21
Price to free cash flow 27.89 16.59 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.12 2.10 2.27
Earnings yield 2.30% (22.93%) 8.11%
Free cash flow yield 3.59% 6.03% 8.98%

Profitability

Metric BSBK BYFC Banks Regional median
Gross margin 41.63% 56.06% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 5.99% (34.62%) 18.66%
Free cash flow margin 9.46% 9.00% 21.18%
Return on equity 1.85% (19.24%) 10.64%
Return on assets 0.29% (1.69%) 1.13%
Return on invested capital 1.14% 1.45% 8.33%

Growth

Metric BSBK BYFC Banks Regional median
Revenue growth (TTM) (3.19%) 8.03% 6.61%
EPS growth (last fiscal year) 200.00% (8,175.00%) —
Revenue growth, 5-year CAGR 12.93% 27.55% 12.30%
Net income growth, 5-year CAGR 0.22% 0.00% 9.71%

Health

Metric BSBK BYFC Banks Regional median
Debt to equity 0.36 0.36 0.22
Current ratio 0.99 0.98 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BSBK BYFC Banks Regional median
Dividend yield — — 3.75%
Payout ratio 0.00 0.00 0.27

Size

Metric BSBK BYFC Banks Regional median
Market cap 114.98m 110.51m 921.07m

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