BYFC Chart
About

Broadway Financial Corporation operates as the holding company for City First Bank, National Association that provides various banking products and services in the United States. Its deposit products include savings accounts, checking accounts, interest checking accounts, money market accounts, and fixed-term certificates of deposit. The company also offers mortgage loans, which are secured by multi-family residential properties; single family residential properties; and commercial real estate, including charter schools, community facilities, and churches, as well as provides commercial business loans, loans guaranteed by the Small Business Administration SBA, construction- to-permanent loans, and consumer loans. In addition, it invests in securities issued by federal government agencies, residential mortgage-backed securities, and other investments. The company was founded in 1946 and is headquartered in Los Angeles, California.

Fundamentals
Scroll to Statements
Sector Financial Services Industry Banks - Regional Market Cap 71.52M
Enterprise Value 415.77M Income -27.52M Sales 32.41M
Book/sh 12.73 Cash/sh 2.15 Dividend Yield —
Payout 0.00% Employees 106 IPO —
P/E — Forward P/E — PEG —
P/S 2.22 P/B 0.61 P/C —
EV/EBITDA — EV/Sales 12.83 Quick Ratio —
Current Ratio — Debt/Eq — LT Debt/Eq —
EPS (ttm) -3.21 EPS next Y — EPS Growth —
Revenue Growth 0.30% Earnings — ROA -1.81%
ROE -8.94% ROIC — Gross Margin 0.00%
Oper. Margin 33.23% Profit Margin -75.63% Shs Outstand 6.08M
Shs Float 5.06M Short Float 0.30% Short Ratio 3.85
Short Interest — 52W High 8.85 52W Low 5.51
Beta 0.66 Avg Volume 7.73K Volume 1.19K
Target Price — Recom None Prev Close $7.88
Price $7.79 Change -1.14%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$7.79
Latest analyst target
3. DCF / Fair value
—
Simplified FCF or EPS-based estimate
Ratings
Current target
$7.79
Low
—
High
—
Mean
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Insider Transactions
Date Shares Value Url Text Insider Position Transaction Start Date Ownership
0 2675 20999 — Stock Award(Grant) at price 7.85 per share. DAVIDSON ROBERT C JR Director — 2026-03-02 00:00:00 D
1 2675 20999 — Stock Award(Grant) at price 7.85 per share. JOHNS MARIE C Director — 2026-03-02 00:00:00 D
2 23793 186775 — Stock Award(Grant) at price 7.85 per share. ARGRETT BRIAN E Chief Executive Officer — 2026-03-02 00:00:00 D
3 2675 20999 — Stock Award(Grant) at price 7.85 per share. BRADSHAW WAYNE-KENT A. Director — 2026-03-02 00:00:00 D
4 2675 20999 — Stock Award(Grant) at price 7.85 per share. ROSS DUTCH C. III Director — 2026-03-02 00:00:00 D
5 2675 20999 — Stock Award(Grant) at price 7.85 per share. HENTGES MARY M. Director — 2026-03-02 00:00:00 D
6 2675 20999 — Stock Award(Grant) at price 7.85 per share. MCGRADY DAVID J. Director — 2026-03-02 00:00:00 D
7 4458 34995 — Stock Award(Grant) at price 7.85 per share. JENNINGS WILLIAM JUSTIN Officer — 2026-03-02 00:00:00 D
8 6480 50868 — Stock Award(Grant) at price 7.85 per share. WASHINGTON LASHANYA DEMETRICE Officer — 2026-03-02 00:00:00 D
9 11521 90440 — Stock Award(Grant) at price 7.85 per share. IBRAHIM ZACK Chief Financial Officer — 2026-03-02 00:00:00 D
Financials
Line Item2024-12-312023-12-312022-12-312021-12-31
TaxEffectOfUnusualItems0.000.000.000.00
TaxRateForCalcs0.290.300.300.19
NetIncomeFromContinuingOperationNetMinorityInterest1.93M4.33M5.64M-4.05M
ReconciledDepreciation760.00K775.00K811.00K680.00K
NetInterestIncome31.77M29.46M32.86M21.00M
InterestExpense32.18M19.40M3.41M3.75M
InterestIncome63.95M48.86M36.27M24.75M
NormalizedIncome1.93M4.33M5.64M-4.05M
NetIncomeFromContinuingAndDiscontinuedOperation1.93M4.33M5.64M-4.05M
DilutedAverageShares8.97M8.74M8.81M7.52M
BasicAverageShares8.97M8.63M8.81M7.52M
DilutedEPS0.040.490.64-0.56
BasicEPS0.040.490.64-0.56
DilutedNIAvailtoComStockholders354.00K4.27M5.61M-4.05M
NetIncomeCommonStockholders354.00K4.27M5.61M-4.05M
OtherunderPreferredStockDividend8.00K57.00K27.00K2.00K
PreferredStockDividends1.57M
NetIncome1.93M4.33M5.64M-4.05M
MinorityInterests-25.00K-24.00K-70.00K-101.00K
NetIncomeIncludingNoncontrollingInterests1.95M4.35M5.71M-3.95M
NetIncomeContinuousOperations1.95M4.35M5.71M-3.95M
TaxProvision815.00K1.91M2.41M-937.00K
PretaxIncome2.77M6.26M8.12M-4.89M
DepreciationAmortizationDepletionIncomeStatement336.00K390.00K435.00K393.00K
DepreciationAndAmortizationInIncomeStatement336.00K390.00K435.00K393.00K
Amortization336.00K390.00K435.00K393.00K
AmortizationOfIntangiblesIncomeStatement336.00K390.00K435.00K393.00K
SellingGeneralAndAdministration17.80M15.90M14.67M16.35M
SellingAndMarketingExpense168.00K137.00K
GeneralAndAdministrativeExpense17.80M15.90M14.53M16.35M
OtherGandA4.59M
InsuranceAndClaims234.00K245.00K231.00K345.00K
SalariesAndWages17.56M15.65M14.30M16.01M
TotalRevenue33.32M34.82M34.05M24.22M
OperatingRevenue33.32M34.82M34.05M24.22M
OccupancyAndEquipment1.86M1.87M1.61M1.78M
ProfessionalExpenseAndContractServicesExpense3.45M3.13M2.76M3.70M
OtherNonInterestExpense6.46M6.08M5.46M6.70M
Line Item2024-12-312023-12-312022-12-312021-12-31
TreasurySharesNumber327.23K327.23K327.23K327.23K
OrdinarySharesNumber9.12M9.01M9.18M8.97M
ShareIssued9.45M9.34M9.51M9.30M
NetDebt165.52M249.56M126.24M
TotalDebt226.89M354.76M142.34M99.95M
TangibleBookValue107.34M103.75M101.12M109.07M
InvestedCapital361.86M486.47M271.83M237.95M
NetTangibleAssets257.34M253.75M251.12M112.07M
CommonStockEquity134.97M131.72M129.48M138.00M
PreferredStockEquity150.00M150.00M150.00M3.00M
TotalCapitalization511.86M636.47M421.83M240.95M
TotalEquityGrossMinorityInterest285.19M281.91M279.65M141.10M
MinorityInterest219.00K194.00K170.00K100.00K
StockholdersEquity284.97M281.72M279.48M141.00M
OtherEquityInterest-4.20M-4.49M-1.26M-829.00K
GainsLossesNotAffectingRetainedEarnings-11.22M-13.53M-17.47M-551.00K
OtherEquityAdjustments-11.22M-13.53M-17.47M-551.00K
TreasuryStock5.33M5.33M5.33M5.33M
RetainedEarnings12.73M12.37M9.29M3.67M
AdditionalPaidInCapital142.90M142.60M144.16M140.29M
CapitalStock150.09M150.09M150.09M3.74M
CommonStock94.00K93.00K95.00K744.00K
PreferredStock150.00M150.00M150.00M3.00M
TotalLiabilitiesNetMinorityInterest1.05B1.12B904.64M952.40M
LongTermDebtAndCapitalLeaseObligation226.89M354.76M142.34M99.95M
LongTermDebt226.89M354.76M142.34M99.95M
PayablesAndAccruedExpenses11.91M12.44M
CurrentAccruedExpenses11.91M12.44M
TotalAssets1.33B1.41B1.18B1.09B
InvestmentsAndAdvances203.86M316.95M328.75M156.40M
AvailableForSaleSecurities118.90M
GoodwillAndOtherIntangibleAssets27.63M27.97M28.36M28.93M
OtherIntangibleAssets1.77M2.11M2.50M2.94M
Goodwill25.86M25.86M25.86M26.00M
NetPPE8.90M9.19M10.29M10.34M
AccumulatedDepreciation-5.29M-4.89M-4.41M-4.03M
GrossPPE14.19M14.07M14.70M14.38M
OtherProperties655.00K889.00K1.12M
MachineryFurnitureEquipment1.21M2.32M2.19M2.17M
BuildingsAndImprovements7.65M6.43M6.30M5.76M
LandAndImprovements5.32M5.32M5.32M5.32M
Receivables5.00M4.94M3.97M3.37M
AccountsReceivable5.00M4.94M3.97M3.37M
OtherShortTermInvestments84.96M316.95M328.75M156.40M
CashAndCashEquivalents61.37M105.19M16.11M231.52M
CashFinancial2.25M5.46M7.46M38.42M
CashCashEquivalentsAndFederalFundsSold61.37M105.19M16.11M231.52M
Line Item2024-12-312023-12-312022-12-312021-12-31
FreeCashFlow1.25M7.39M6.00M-514.00K
RepurchaseOfCapitalStock0.00-1.78M0.00
RepaymentOfDebt-469.37M-375.14M-53.14M-35.99M
IssuanceOfDebt341.51M587.58M95.50M5.00M
IssuanceOfCapitalStock0.00150.00M30.84M
CapitalExpenditure-138.00K-208.00K-323.00K-1.14M
InterestPaidSupplementalData30.63M16.92M3.05M3.72M
IncomeTaxPaidSupplementalData416.00K2.04M332.00K711.00K
EndCashPosition61.37M105.19M16.11M231.52M
BeginningCashPosition105.19M16.11M231.52M96.11M
ChangesInCash-43.83M89.09M-215.41M135.41M
FinancingCashFlow-73.53M212.98M102.22M109.82M
CashFlowFromContinuingFinancingActivities-73.53M212.98M102.22M109.82M
NetOtherFinancingCharges-3.40M-500.00K-679.00K
CashDividendsPaid-1.57M0.00-15.00K-60.00K
PreferredStockDividendPaid-1.57M0.00-15.00K-60.00K
NetPreferredStockIssuance0.00150.00M0.00
PreferredStockIssuance0.00150.00M0.00
NetCommonStockIssuance0.00-1.78M0.0030.84M
CommonStockPayments0.00-1.78M0.00
CommonStockIssuance0.0030.84M
NetIssuancePaymentsOfDebt-127.86M212.44M42.36M-30.99M
NetLongTermDebtIssuance-127.86M212.44M42.36M-30.99M
LongTermDebtPayments-469.37M-375.14M-53.14M-35.99M
LongTermDebtIssuance341.51M587.58M95.50M5.00M
InvestingCashFlow28.30M-131.48M-323.96M24.96M
CashFlowFromContinuingInvestingActivities28.30M-131.48M-323.96M24.96M
NetOtherInvestingChanges519.00K-2.90M-7.53M1.23M
NetInvestmentPurchaseAndSale117.13M18.39M-196.18M2.64M
SaleOfInvestment117.13M18.39M19.32M19.16M
PurchaseOfInvestment0.00-215.50M-16.52M
NetBusinessPurchaseAndSale0.0084.75M
SaleOfBusiness0.0084.75M
NetPPEPurchaseAndSale-138.00K-208.00K-323.00K-1.14M
PurchaseOfPPE-138.00K-208.00K-323.00K-1.14M
OperatingCashFlow1.39M7.59M6.32M624.00K
CashFlowFromContinuingOperatingActivities1.39M7.59M6.32M624.00K
ChangeInWorkingCapital-1.93M1.80M-565.00K2.43M
ChangeInOtherCurrentAssets1.41M-677.00K-995.00K908.00K
ChangeInPayablesAndAccruedExpense-3.08M2.29M-461.00K3.33M
ChangeInAccruedExpense-3.08M2.29M-461.00K3.33M
ChangeInReceivables-63.00K-965.00K-601.00K-533.00K
ChangesInAccountReceivables-63.00K-965.00K-601.00K-533.00K
OtherNonCashItems-470.00K-277.00K-874.00K15.00K
StockBasedCompensation593.00K396.00K283.00K524.00K
DeferredTax0.00369.00K
DeferredIncomeTax0.00369.00K
DepreciationAmortizationDepletion760.00K775.00K811.00K680.00K
DepreciationAndAmortization760.00K775.00K811.00K680.00K
AmortizationCashFlow336.00K390.00K435.00K393.00K
AmortizationOfIntangibles336.00K390.00K435.00K393.00K
Depreciation424.00K385.00K376.00K287.00K
NetIncomeFromContinuingOperations1.95M4.35M5.71M-3.95M
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

Public Trades for BYFC
Date User Asset Broker Type Position Size Entry Price Patterns