Broadway Financial Corporation (BYFC) vs Union Bankshares, Inc. (UNB)

Broadway Financial Corporation and Union Bankshares, Inc. are both Banks Regional companies. Broadway Financial Corporation and Union Bankshares, Inc. are of similar size ($116.2M and $110.5M). Broadway Financial Corporation has negative trailing earnings, so its P/E is not meaningful; Union Bankshares, Inc. trades at 9.0×. Union Bankshares, Inc. grew revenue faster over the last twelve months: 9.68% against 8.03%. Union Bankshares, Inc. has the higher net margin (13.4% vs −34.6%) and the higher return on invested capital (12.4% vs 1.45%). Across the 18 metrics below, Union Bankshares, Inc. leads on 14 and Broadway Financial Corporation on 4.

Valuation

Metric BYFC UNB Banks Regional median
P/E n/m 9.04 12.15
P/S 1.49 1.25 2.37
P/B 0.91 1.25 1.21
Price to free cash flow 16.59 5.30 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.10 1.00 2.27
Earnings yield (22.93%) 11.06% 8.11%
Free cash flow yield 6.03% 18.85% 8.98%

Profitability

Metric BYFC UNB Banks Regional median
Gross margin 56.06% 63.32% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin (34.62%) 13.40% 18.66%
Free cash flow margin 9.00% 23.57% 21.18%
Return on equity (19.24%) 14.98% 10.64%
Return on assets (1.69%) 0.80% 1.13%
Return on invested capital 1.45% 12.37% 8.33%

Growth

Metric BYFC UNB Banks Regional median
Revenue growth (TTM) 8.03% 9.68% 6.61%
EPS growth (last fiscal year) (8,175.00%) 25.26% —
Revenue growth, 5-year CAGR 27.55% 10.59% 12.30%
Net income growth, 5-year CAGR 0.00% (2.85%) 9.71%

Health

Metric BYFC UNB Banks Regional median
Debt to equity 0.36 0.18 0.22
Current ratio 0.98 0.80 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BYFC UNB Banks Regional median
Dividend yield — 4.93% 3.75%
Payout ratio 0.00 0.50 0.27

Size

Metric BYFC UNB Banks Regional median
Market cap 110.51m 116.23m 921.07m

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