Broadway Financial Corporation (BYFC) vs Sound Financial Bancorp, Inc. (SFBC)

Broadway Financial Corporation and Sound Financial Bancorp, Inc. are both Banks Regional companies. Broadway Financial Corporation and Sound Financial Bancorp, Inc. are of similar size ($111.8M and $107.2M). Broadway Financial Corporation has negative trailing earnings, so its P/E is not meaningful; Sound Financial Bancorp, Inc. trades at 13.9×. Broadway Financial Corporation grew revenue faster over the last twelve months: 8.03% against −0.76%. Sound Financial Bancorp, Inc. has the higher net margin (12.8% vs −34.6%) and the higher return on invested capital (1,916.1% vs 1.45%). Across the 17 metrics below, Sound Financial Bancorp, Inc. leads on 12 and Broadway Financial Corporation on 5.

Valuation

Metric BYFC SFBC Banks Regional median
P/E n/m 13.95 11.98
P/S 1.44 1.79 2.34
P/B 0.88 0.99 1.19
Price to free cash flow 15.96 15.21 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (23.83%) 7.17% 8.23%
Free cash flow yield 6.27% 6.57% 9.08%

Profitability

Metric BYFC SFBC Banks Regional median
Gross margin 56.06% 64.69% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin (34.62%) 12.84% 18.66%
Free cash flow margin 9.00% 11.77% 21.11%
Return on equity (19.24%) 7.33% 10.65%
Return on assets (1.69%) 0.75% 1.13%
Return on invested capital 1.45% 1,916.08% 8.35%

Growth

Metric BYFC SFBC Banks Regional median
Revenue growth (TTM) 8.03% (0.76%) 6.98%
EPS growth (last fiscal year) (8,175.00%) 53.89% 18.88%
Revenue growth, 5-year CAGR 27.55% 7.74% 12.38%
Net income growth, 5-year CAGR 0.00% (4.41%) 9.71%

Health

Metric BYFC SFBC Banks Regional median
Debt to equity 0.36 0.07 0.22
Current ratio 0.98 1.08 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BYFC SFBC Banks Regional median
Dividend yield — 1.88% 2.57%
Payout ratio — 0.26 0.30

Size

Metric BYFC SFBC Banks Regional median
Market cap 107.17m 111.79m 913.33m

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