Broadway Financial Corporation (BYFC)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Broadway Financial Corporation (BYFC) trades at $9.66 with AI Score 31/100 (Grade D). Broadway Financial Corporation operates as the holding company for City First Bank, National Association, offering banking products and services. Market cap: $89.63M, Sector: Financial services.
Price live · AI analysis from May 9, 2026Analyst Coverage for BYFC: BYFC does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates BYFC against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
BYFC: 3/7 perspectives are bullish. Dominant signal: Ken Griffin bearish.
How is this calculated? →Broadway Financial Corporation (BYFC) Financial Services Profile
Broadway Financial Corporation, as the holding company for City First Bank, provides banking services and mortgage loans, emphasizing multi-family residential and commercial real estate sectors. Operating with three branch offices, the company invests in government and mortgage-backed securities, distinguishing itself through community-focused banking in the regional banking landscape.
What Is the Investment Thesis for BYFC?
Broadway Financial Corporation presents a unique investment case within the regional banking sector. With a market capitalization of $89.63M and a negative profit margin of -31.5%, the company faces profitability challenges. However, its gross margin of 55.5% indicates potential efficiency in its core operations. Key to its growth is the expansion of its mortgage loan portfolio, particularly in multi-family and commercial real estate. Catalysts include increased community development initiatives and strategic investments in underserved markets. Risks involve navigating interest rate fluctuations and maintaining asset quality in its loan portfolio. The company's beta of 0.66 suggests lower volatility compared to the market, which may appeal to risk-averse investors.
Based on FMP financials and quantitative analysis
BYFC Key Highlights
- Market capitalization of $89.63M indicates a smaller player in the regional banking sector.
- Negative profit margin of -31.5% highlights current profitability challenges.
- Gross margin of 55.5% suggests potential efficiency in core banking operations.
- Beta of 0.66 indicates lower volatility compared to the broader market.
- Focus on mortgage loans secured by multi-family residential and commercial real estate differentiates its lending portfolio.
Who Are BYFC's Competitors?
BYFC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CMA Comerica Incorporated | $88.67 | -4.51% | $11.35B | 48 |
| TCBI Texas Capital Bancshares, Inc. | $105.25 | +1.25% | $4.60B | 93 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| BUSE First Busey Corporation | $29.58 | -0.25% | $2.50B | 63 |
| CVLY Codorus Valley Bancorp, Inc. | $24.04 | +4.98% | $232.28M | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are BYFC's Key Strengths?
- Strong focus on community development.
- Expertise in mortgage lending for specific property types.
- Established presence in underserved markets.
- Relatively low beta indicates lower volatility.
What Are BYFC's Weaknesses?
- Negative profit margin indicates financial challenges.
- Limited geographic reach with only three branch offices.
- Smaller market capitalization compared to competitors.
- Dependence on mortgage lending exposes it to interest rate risk.
What Could Drive BYFC Stock Higher?
- Implementation of new digital banking platform to enhance customer experience by Q4 2026.
- Expansion of mortgage loan portfolio in underserved communities, targeting 15% growth by year-end 2026.
- Strategic partnerships with local community organizations to support financial literacy programs.
What Are the Key Risks for BYFC?
- Financial-distress signal — its Altman Z-Score of -0.67 sits in the distress zone (elevated bankruptcy risk).
- Negative return on equity (-7.7%) — the business is not currently generating profit on shareholder capital.
- Interest rate fluctuations impacting net interest margin and profitability.
- Economic downturn affecting real estate values and loan performance.
- Competition from larger regional and national banks with greater resources.
- Regulatory changes impacting capital requirements and lending practices.
What Are the Growth Opportunities for BYFC?
- Expansion of Mortgage Loan Portfolio: Broadway Financial Corporation can grow by expanding its mortgage loan portfolio, particularly in multi-family residential and commercial real estate sectors. The market for these loans is substantial, driven by increasing urbanization and demand for affordable housing. By focusing on underserved communities, Broadway Financial Corporation can differentiate itself and capture a significant share of this market. This expansion can be achieved through strategic partnerships with community organizations and targeted marketing efforts, with potential revenue growth within the next 3-5 years.
- Strategic Investments in Underserved Markets: Investing in underserved markets presents a significant growth opportunity. These markets often lack access to traditional banking services, creating a demand for community-focused institutions like Broadway Financial Corporation. By providing financial services and loans to these communities, the company can generate revenue and contribute to economic development. This strategy can be implemented through community outreach programs and partnerships with local businesses, with potential positive impact on loan growth and community relations within 2-4 years.
- Digital Banking Initiatives: Implementing digital banking initiatives can enhance customer experience and reduce operational costs. By offering online and mobile banking services, Broadway Financial Corporation can attract a wider customer base and improve efficiency. This includes developing user-friendly mobile apps, online loan application processes, and digital payment solutions. The investment in digital infrastructure can lead to increased customer engagement and reduced overhead costs within the next 1-3 years.
- Community Development Programs: Expanding community development programs can enhance Broadway Financial Corporation's reputation and attract socially responsible investors. By supporting local initiatives and providing financial literacy programs, the company can strengthen its ties with the community and generate positive publicity. This includes sponsoring community events, offering financial education workshops, and partnering with local non-profit organizations. These programs can improve brand image and attract socially conscious customers and investors over the next 2-5 years.
- Partnerships with Fintech Companies: Collaborating with fintech companies can provide access to innovative technologies and expand service offerings. By partnering with fintech firms specializing in lending, payments, and financial management, Broadway Financial Corporation can enhance its digital capabilities and offer new products to its customers. This includes integrating fintech solutions into its existing banking platform and offering co-branded financial products. These partnerships can drive innovation and improve customer satisfaction in the next 1-3 years.
What Opportunities Does BYFC Have?
- Expansion of digital banking services.
- Strategic partnerships with fintech companies.
- Increased investment in underserved markets.
- Growth in multi-family and commercial real estate lending.
What Threats Does BYFC Face?
- Competition from larger regional and national banks.
- Economic downturn impacting real estate values.
- Changes in interest rates affecting profitability.
- Regulatory changes impacting the banking industry.
What Are BYFC's Competitive Advantages?
- Strong community ties and local market knowledge.
- Focus on underserved markets provides a niche advantage.
- Established relationships with community organizations.
- Expertise in mortgage lending for multi-family and commercial properties.
What Does BYFC Do?
Founded in 1946 and headquartered in Los Angeles, California, Broadway Financial Corporation operates as the holding company for City First Bank, National Association. The bank provides a range of banking products and services tailored to its communities, including savings, checking, NOW, and money market accounts, as well as fixed-term certificates of deposit. A significant portion of its portfolio consists of mortgage loans secured by multi-family residential properties, single-family homes, and commercial real estate, including charter schools, community facilities, and churches. Additionally, Broadway Financial Corporation offers commercial business, construction, and consumer loans. The company also strategically invests in securities issued by federal government agencies and residential mortgage-backed securities. Operating through three branch offices, Broadway Financial Corporation focuses on community development and financial inclusion, aiming to support underserved markets through its banking operations.
What Products and Services Does BYFC Offer?
- Accepts deposits in savings, checking, and money market accounts.
- Offers mortgage loans for multi-family residential properties.
- Provides mortgage loans for single-family residential properties.
- Offers commercial real estate loans, including for charter schools and churches.
- Provides commercial business loans.
- Offers construction loans.
- Provides consumer loans.
- Invests in securities issued by federal government agencies.
How Does BYFC Make Money?
- Generates revenue from interest earned on loans, primarily mortgage loans.
- Earns income from fees charged for banking services.
- Profits from investments in securities, including government and mortgage-backed securities.
What Industry Does BYFC Operate In?
Broadway Financial Corporation operates within the regional banking sector, which is characterized by intense competition and evolving regulatory landscapes. The industry is experiencing a shift towards digital banking and increased focus on community development. With a market capitalization of $89.63M, Broadway Financial Corporation is smaller compared to major players. The regional banking sector is influenced by interest rate changes, economic growth, and regulatory policies. Broadway Financial Corporation's focus on mortgage loans and community-oriented banking positions it to capitalize on local market opportunities, but it must navigate competition from larger banks and fintech companies.
Who Are BYFC's Key Customers?
- Individuals seeking personal banking services.
- Businesses requiring commercial loans.
- Real estate developers needing construction financing.
- Community organizations and churches seeking financial support.
F-Score 6/9Financial Health
Broadway Financial Corporation's Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.67 places it in the distress zone, a signal of elevated financial risk.
ROE -8%Key Financial Metrics
Return on equity for Broadway Financial Corporation stands at -7.7%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -1.4%, showing how much profit it generates from its asset base. Its free cash flow yield is 6.1%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.27 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is -24.7%, the inverse of the P/E and a quick read on earnings relative to price.
Broadway Financial Corporation (BYFC) Valuation Context
Valued at $89.63M, BYFC is classified as a micro-cap stock. Relative to its peer group, BYFC's quantitative score of 31/100 is below the peer average of 70/100.
BYFC Revenue & Earnings Trend
In Q1 2026, BYFC generated $17.3M in top-line revenue, marking a sequential increase of 1.9%. The company recorded net income of $1.6M, with diluted EPS of $0.09. Revenue has increased across the last three reported quarters, suggesting sustained momentum for this micro-cap Financial Services company. Across the four most recent quarters, BYFC averaged $-0.68 in diluted EPS.
Company Profile
Broadway Financial Corporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Los Angeles, US. The company is led by CEO Brian E. Argrett. BYFC has traded publicly since 1996.
BYFC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong focus on community development.
- Expertise in mortgage lending for specific property types.
- Established presence in underserved markets.
- Relatively low beta indicates lower volatility.
Bear Case
- Negative profit margin indicates financial challenges.
- Limited geographic reach with only three branch offices.
- Smaller market capitalization compared to competitors.
- Dependence on mortgage lending exposes it to interest rate risk.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $17M | $2M | $0.09 |
| Q4 2025 | $17M | $1M | $0.03 |
| Q3 2025 | $16M | -$24M | -$2.86 |
| Q2 2025 | $15M | $752,000 | $0.0002 |
Based on FMP financials and quantitative analysis
BYFC Latest News
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Broadway Financial Names Chief Legal Officer
MT Newswires · Jun 18, 2026
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CORRECTING and REPLACING Broadway Financial Corporation Announces Results of Operations for First Quarter 2026
gurufocus.com · May 15, 2026
BYFC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for BYFC.
Price Targets
Wall Street price target analysis for BYFC.
BYFC MoonshotScore
What does this score mean?
The MoonshotScore rates BYFC's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Brian E. Argrett
President and Chief Executive Officer
Brian E. Argrett serves as the President and Chief Executive Officer of Broadway Financial Corporation. His career spans several decades in the financial services industry, with a focus on community development and urban revitalization. He has held leadership positions in various financial institutions, demonstrating expertise in strategic planning, risk management, and community engagement. Argrett's background includes extensive experience in commercial lending and investment management, making him well-suited to lead Broadway Financial Corporation's community-focused mission.
Track Record: Under Brian E. Argrett's leadership, Broadway Financial Corporation has focused on expanding its reach in underserved markets and strengthening its community development initiatives. He has overseen the implementation of digital banking solutions and the expansion of the mortgage loan portfolio. Key milestones include strategic partnerships with community organizations and increased investment in financial literacy programs. His tenure has been marked by a commitment to sustainable growth and community impact.
Common Questions About BYFC (Financial Services)
What does Broadway Financial Corporation do?
Broadway Financial Corporation operates as the holding company for City First Bank, National Association, providing a range of banking products and services. The company focuses on mortgage loans secured by multi-family residential properties, single-family homes, and commercial real estate. It also invests in securities issued by federal government agencies and residential mortgage-backed securities. Broadway Financial Corporation differentiates itself through its commitment to community development and financial inclusion, serving underserved markets through its three branch offices.
What do analysts say about BYFC stock?
Analyst coverage of Broadway Financial Corporation is limited, reflecting its smaller market capitalization. Current assessments acknowledge the company's focus on community development and its potential to capitalize on underserved markets. However, the negative profit margin and competitive landscape pose challenges. Key valuation metrics include price-to-book ratio and loan growth. Growth considerations involve the successful implementation of digital banking initiatives and the expansion of the mortgage loan portfolio. Analyst opinions remain neutral, emphasizing the need for improved profitability and sustainable growth.
What are the main risks for BYFC?
The main risks for Broadway Financial Corporation include interest rate fluctuations, which can impact its net interest margin and profitability. An economic downturn could affect real estate values and loan performance, leading to increased credit losses. Competition from larger regional and national banks poses a significant threat, as these institutions have greater resources and broader service offerings. Regulatory changes impacting capital requirements and lending practices could also create challenges. Managing these risks is crucial for Broadway Financial Corporation's long-term sustainability.
What are the key factors to evaluate for BYFC?
Broadway Financial Corporation (BYFC) holds an AI score of 31/100 (low). Not financial advice.
How frequently does BYFC data refresh on this page?
BYFC prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven BYFC's recent stock price performance?
Broadway Financial Corporation (BYFC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong focus on community development. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider BYFC overvalued or undervalued right now?
Valuing Broadway Financial Corporation (BYFC) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying BYFC?
Before investing in Broadway Financial Corporation (BYFC), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Financial data based on the most recent available information.
- Analysis reflects current market conditions and may be subject to change.