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Upturn AI SWOT - About
Broadway Financial Corporation (BYFC)
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Upturn Advisory Summary
03/27/2025: BYFC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -46.8% | Avg. Invested days 23 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 63.51M USD | Price to earnings Ratio 24.5 | 1Y Target Price - |
Price to earnings Ratio 24.5 | 1Y Target Price - | ||
Volume (30-day avg) 2797 | Beta 0.71 | 52 Weeks Range 4.41 - 9.46 | Updated Date 03/30/2025 |
52 Weeks Range 4.41 - 9.46 | Updated Date 03/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.28 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 9.21% | Operating Margin (TTM) 9.02% |
Management Effectiveness
Return on Assets (TTM) 0.25% | Return on Equity (TTM) 1.16% |
Valuation
Trailing PE 24.5 | Forward PE - | Enterprise Value 360887840 | Price to Sales(TTM) 2.07 |
Enterprise Value 360887840 | Price to Sales(TTM) 2.07 | ||
Enterprise Value to Revenue 12.5 | Enterprise Value to EBITDA - | Shares Outstanding 6014230 | Shares Floating 4698821 |
Shares Outstanding 6014230 | Shares Floating 4698821 | ||
Percent Insiders 35.15 | Percent Institutions 16.39 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Broadway Financial Corporation
Company Overview
History and Background
Broadway Financial Corporation, founded in 1946 as Broadway Federal Savings and Loan Association, focuses on providing financial services to underserved communities in Southern California. It aims to increase access to capital in low-to-moderate income areas.
Core Business Areas
- Commercial Real Estate Lending: Offers financing for commercial properties, including multi-family residential and commercial real estate, predominantly in low-to-moderate income areas.
- Residential Lending: Provides mortgage loans for single-family homes, focusing on serving borrowers in underserved communities.
- Retail Banking: Offers traditional banking services like checking and savings accounts, and other deposit products.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is typical of a publicly traded bank holding company.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Commercial real estate loans constitute a significant portion of Broadway Financial's loan portfolio. Market share is relatively small compared to larger national banks. Competitors include larger regional and national banks, credit unions, and private lenders.
- Residential Mortgage Loans: Residential mortgages are another key product, focused on serving underserved communities. Market share is relatively small compared to larger national mortgage lenders. Competitors include Wells Fargo, Bank of America, and other national mortgage lenders.
- Deposit Accounts: Standard retail banking deposit accounts, including checking, savings, and money market accounts. No market share data available. Competitors include all other banking institutions.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic cycles. Community banks face increasing competition from larger banks and fintech companies.
Positioning
Broadway Financial Corporation positions itself as a community-focused bank, emphasizing its commitment to serving underserved communities. Its competitive advantages include local market knowledge and community relationships.
Total Addressable Market (TAM)
The total addressable market for community banking in Southern California is estimated to be in the billions of dollars. Broadway Financial is a small player with growth potential in its niche.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Focus on underserved markets
- Experienced management team
- Commitment to social responsibility
Weaknesses
- Smaller scale compared to larger banks
- Limited geographic reach
- Higher operating costs relative to asset size
- Dependence on interest rate environment
Opportunities
- Expanding services to new underserved markets
- Leveraging technology to improve efficiency
- Partnerships with community organizations
- Increasing demand for socially responsible banking
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn impacting loan quality
- Regulatory changes increasing compliance costs
- Rising interest rates impacting profitability
Competitors and Market Share
Key Competitors
- BANC
- CMA
- TCBI
- WAL
Competitive Landscape
Broadway Financial faces strong competition from larger banks with greater resources. Its advantage lies in its community focus and local market knowledge, but it needs to innovate to compete effectively.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends can be determined by analyzing past revenue and earnings figures.
Future Projections: Future growth projections require access to analyst estimates and company guidance.
Recent Initiatives: Requires researching recent press releases and company announcements.
Summary
Broadway Financial Corporation is a small, community-focused bank with a strong commitment to serving underserved markets. It faces challenges from larger competitors but has opportunities to grow by expanding its services and leveraging technology. Recent financial results and strategic initiatives will be key to its future success.
Similar Companies
- BANC
- CMA
- TCBI
- WAL
- OFG
- FCNCA
Sources and Disclaimers
Data Sources:
- SEC filings (10-K, 10-Q), Company website, Financial news sources (Yahoo Finance, Google Finance)
- FDIC.gov
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Market share percentages are estimates.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Broadway Financial Corporation
Exchange NASDAQ | Headquaters Los Angeles, CA, United States | ||
IPO Launch date 1996-01-09 | Board Chair, President & CEO Mr. Brian E. Argrett | ||
Sector Financial Services | Industry Banks - Regional | Full time employees - | Website https://www.cityfirstbank.com |
Full time employees - | Website https://www.cityfirstbank.com | ||
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. It accepts various deposit accounts, including savings accounts, checking accounts, interest checking accounts, money market accounts, and fixed-term certificate 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 commercial business, construction, 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.
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