Broadway Financial Corporation (BYFC) vs Winchester Bancorp, Inc. (WSBK)

Broadway Financial Corporation and Winchester Bancorp, Inc. are both Banks Regional companies. Broadway Financial Corporation and Winchester Bancorp, Inc. are of similar size ($113.8M and $110.5M). Winchester Bancorp, Inc. grew revenue faster over the last twelve months: 16.1% against 8.03%. Winchester Bancorp, Inc. has the higher net margin (8.56% vs −34.6%) and the higher return on invested capital (1.64% vs 1.45%). Across the 14 metrics below, Broadway Financial Corporation leads on 7 and Winchester Bancorp, Inc. on 7.

Valuation

Metric BYFC WSBK Banks Regional median
P/E n/m — 12.15
P/S 1.49 2.21 2.37
P/B 0.91 0.95 1.21
Price to free cash flow 16.59 21.75 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.10 4.11 2.27
Earnings yield (22.93%) — 8.11%
Free cash flow yield 6.03% 4.60% 8.98%

Profitability

Metric BYFC WSBK Banks Regional median
Gross margin 56.06% 50.85% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin (34.62%) 8.56% 18.66%
Free cash flow margin 9.00% 10.17% 21.18%
Return on equity (19.24%) 3.75% 10.64%
Return on assets (1.69%) 0.43% 1.13%
Return on invested capital 1.45% 1.64% 8.33%

Growth

Metric BYFC WSBK Banks Regional median
Revenue growth (TTM) 8.03% 16.05% 6.61%
EPS growth (last fiscal year) (8,175.00%) — —
Revenue growth, 5-year CAGR 27.55% — 12.30%
Net income growth, 5-year CAGR 0.00% — 9.71%

Health

Metric BYFC WSBK Banks Regional median
Debt to equity 0.36 1.31 0.22
Current ratio 0.98 1.15 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

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

Size

Metric BYFC WSBK Banks Regional median
Market cap 110.51m 113.80m 921.07m

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