📊 BYFC Key Takeaways
Investment Thesis
Broadway Financial is experiencing severe financial distress with massive operating losses (-$25.9M on $131K revenue), indicating fundamental business dysfunction. Despite maintaining positive free cash flow of $2.4M, this appears driven by balance sheet restructuring rather than operational viability, as the company burns through equity with -9.9% ROE and -1.9% ROA.
BYFC Strengths
- Positive free cash flow of $2.4M despite losses
- Substantial asset base of $1.3B providing liquidity buffer
- Zero long-term debt indicating no leverage risk
- Positive operating cash flow of $2.5M suggesting some underlying cash generation
BYFC Risks
- Catastrophic profitability with -$25.9M operating loss on minimal revenue of $131K
- Extreme negative margins: -19,766% operating margin and -19,710% net margin indicate complete operational collapse
- Rapidly deteriorating equity with -9.9% ROE; equity depletion unsustainable at current burn rates
- Core business appears non-functional with revenue far insufficient to cover operating expenses
- Significant insider activity (13 Form 4 filings) may indicate distress-related transactions
Key Metrics to Watch
- Quarterly revenue trend and ability to return to profitability
- Operating expense reduction and cost structure sustainability
- Stockholders equity depletion rate and runway remaining
- Resolution of underlying business challenges causing operational losses
BYFC Financial Metrics
💡 AI Analyst Insight
The 1,796.2% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
BYFC Profitability Ratios
BYFC vs Default Sector
How BROADWAY FINANCIAL CORP \DE\ compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
BYFC Balance Sheet & Liquidity
BYFC 5-Year Financial Trend
5-Year Trend Summary: BROADWAY FINANCIAL CORP \DE\'s revenue has declined by 64% over the 5-year period, indicating business contraction. The most recent EPS of $0.51 reflects profitable operations.
BYFC Growth Metrics (YoY)
BYFC Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $36.0K | $516.0K | $-0.02 |
| Q2 2025 | $38.0K | $102.0K | $0.00 |
| Q1 2025 | $40.0K | -$164.0K | $-0.02 |
| Q3 2024 | $36.0K | $91.0K | $0.01 |
| Q2 2024 | $38.0K | $105.0K | $0.01 |
| Q1 2024 | $40.0K | -$164.0K | $-0.02 |
| Q3 2023 | $21.0K | $91.0K | $0.01 |
| Q2 2023 | $21.0K | $243.0K | $0.00 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
BYFC Capital Allocation
BYFC SEC Filings
Access official SEC EDGAR filings for BROADWAY FINANCIAL CORP \DE\ (CIK: 0001001171)
📋 Recent SEC Filings
❓ Frequently Asked Questions about BYFC
What is the AI rating for BYFC?
BROADWAY FINANCIAL CORP \DE\ (BYFC) has an AI rating of STRONG SELL with 95% confidence, based on fundamental analysis of SEC EDGAR filings.
What are BYFC's key strengths?
Positive free cash flow of $2.4M despite losses. Substantial asset base of $1.3B providing liquidity buffer.
What are the risks of investing in BYFC?
Catastrophic profitability with -$25.9M operating loss on minimal revenue of $131K. Extreme negative margins: -19,766% operating margin and -19,710% net margin indicate complete operational collapse.
What is BYFC's revenue and growth?
BROADWAY FINANCIAL CORP \DE\ reported revenue of $131.0K.
Does BYFC pay dividends?
BROADWAY FINANCIAL CORP \DE\ pays dividends, with $0.8M distributed to shareholders in the trailing twelve months.
Where can I find BYFC SEC filings?
Official SEC filings for BROADWAY FINANCIAL CORP \DE\ (CIK: 0001001171) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is BYFC's EPS?
BROADWAY FINANCIAL CORP \DE\ has a diluted EPS of $-3.27.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.