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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash-to-Debt 0.10
NAS:BYFC's Cash-to-Debt is ranked lower than
94% of the 1495 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.97 vs. NAS:BYFC: 0.10 )
Ranked among companies with meaningful Cash-to-Debt only.
NAS:BYFC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.04  Med: 0.12 Max: No Debt
Current: 0.1
Equity-to-Asset 0.12
NAS:BYFC's Equity-to-Asset is ranked higher than
70% of the 1496 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. NAS:BYFC: 0.12 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS:BYFC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.08 Max: 0.12
Current: 0.12
0.04
0.12
Interest Coverage 0.60
NAS:BYFC's Interest Coverage is ranked lower than
78% of the 1758 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.61 vs. NAS:BYFC: 0.60 )
Ranked among companies with meaningful Interest Coverage only.
NAS:BYFC' s Interest Coverage Range Over the Past 10 Years
Min: 0.21  Med: 0.33 Max: 1.16
Current: 0.6
0.21
1.16
Beneish M-Score: -2.51
WACC vs ROIC
7.11%
5.94%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 3/10

vs
industry
vs
history
Operating Margin % 18.41
NAS:BYFC's Operating Margin % is ranked lower than
77% of the 1511 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.68 vs. NAS:BYFC: 18.41 )
Ranked among companies with meaningful Operating Margin % only.
NAS:BYFC' s Operating Margin % Range Over the Past 10 Years
Min: -69.83  Med: 15.68 Max: 31.68
Current: 18.41
-69.83
31.68
Net Margin % 54.61
NAS:BYFC's Net Margin % is ranked higher than
95% of the 1510 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.91 vs. NAS:BYFC: 54.61 )
Ranked among companies with meaningful Net Margin % only.
NAS:BYFC' s Net Margin % Range Over the Past 10 Years
Min: -80.19  Med: 10 Max: 63.89
Current: 54.61
-80.19
63.89
ROE % 15.15
NAS:BYFC's ROE % is ranked higher than
85% of the 1509 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.30 vs. NAS:BYFC: 15.15 )
Ranked among companies with meaningful ROE % only.
NAS:BYFC' s ROE % Range Over the Past 10 Years
Min: -60.11  Med: 4.35 Max: 21.75
Current: 15.15
-60.11
21.75
ROA % 1.72
NAS:BYFC's ROA % is ranked higher than
86% of the 1518 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. NAS:BYFC: 1.72 )
Ranked among companies with meaningful ROA % only.
NAS:BYFC' s ROA % Range Over the Past 10 Years
Min: -3.18  Med: 0.41 Max: 2.41
Current: 1.72
-3.18
2.41
3-Year Revenue Growth Rate -62.40
NAS:BYFC's 3-Year Revenue Growth Rate is ranked lower than
99% of the 1316 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.90 vs. NAS:BYFC: -62.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:BYFC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -62.4  Med: 8.4 Max: 24.4
Current: -62.4
-62.4
24.4
3-Year EBITDA Growth Rate -44.50
NAS:BYFC's 3-Year EBITDA Growth Rate is ranked lower than
98% of the 1228 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.20 vs. NAS:BYFC: -44.50 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NAS:BYFC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -44.5  Med: 13.5 Max: 58.3
Current: -44.5
-44.5
58.3
GuruFocus has detected 2 Warning Signs with Broadway Financial Corp $NAS:BYFC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NAS:BYFC's 10-Y Financials

Financials (Next Earnings Date: 2017-05-03 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:NAS:GTWN, OTCPK:LTLB, OTCPK:FIRT, OTCPK:BHWB, NAS:JXSB, NAS:HFBL, OTCPK:WEFP, NAS:PBHC, NAS:CFBK, NAS:EQFN, NAS:ANCB, OTCPK:GRRB, OTCPK:RYFL, NAS:WVFC, NAS:PBSK, NAS:WAYN, NAS:UCBA, NAS:IROQ, OTCPK:FNFI, OTCPK:UNTN » details
Broadway Financial Corp through its subsidiary, Broadway Federal Bank, provides mainly commercial real estate and residential mortgage loans and a variety of retail deposit products and services to its business and retail customers.

Broadway Financial Corp through its subsidiary, Broadway Federal Bank, provides mainly commercial real estate and residential mortgage loans and a variety of retail deposit products and services to its business and retail customers. Broadway Financial Corp was incorporated under Delaware law in 1995 for the purpose of acquiring and holding all of the outstanding capital stock of Broadway Federal Savings and Loan Association as part of the Bank's conversion from a federally chartered mutual savings association to a federally chartered stock savings bank. The Company is a savings and loan holding company. Its main business is the operation of its wholly-owned subsidiary, Broadway Federal. Broadway Federal's main business consists of attracting retail deposits from the general public in the areas surrounding its branch offices and investing those deposits, together with funds generated from operations and borrowings, in multi-family mortgage loans, commercial real estate loans and one-to-four family mortgage loans. In addition, it invests in securities issued by the federal government and federal agencies, residential mortgage-backed securities and other investments. Its revenues are derived mainly from interest income on loans and investments. The Company is facing competition from mortgage banking companies, commercial banks and savings and loan associations. The Company is regulated by the Board of Governors of the Federal Reserve System. The Bank is currently regulated by the Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation. The Bank's deposits are insured up to applicable limits by the Deposit Insurance Fund of the FDIC. The Bank is subject to the regulations of the FRB concerning reserves required to be maintained against deposits, transactions with affiliates, Truth in Lending and other consumer protection requirements and certain other matters.

Ratios

vs
industry
vs
history
PE Ratio 7.82
BYFC's PE Ratio is ranked higher than
83% of the 1941 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.56 vs. BYFC: 7.82 )
Ranked among companies with meaningful PE Ratio only.
BYFC' s PE Ratio Range Over the Past 10 Years
Min: 3.34  Med: 8.5 Max: 16
Current: 7.82
3.34
16
PE Ratio without NRI 7.82
BYFC's PE Ratio without NRI is ranked higher than
83% of the 1635 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.25 vs. BYFC: 7.82 )
Ranked among companies with meaningful PE Ratio without NRI only.
BYFC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 3.34  Med: 8.5 Max: 16
Current: 7.82
3.34
16
Price-to-Owner-Earnings 7.32
BYFC's Price-to-Owner-Earnings is ranked higher than
75% of the 905 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.04 vs. BYFC: 7.32 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
BYFC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 0.35  Med: 6.5 Max: 29.78
Current: 7.32
0.35
29.78
PB Ratio 1.10
BYFC's PB Ratio is ranked higher than
56% of the 1810 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. BYFC: 1.10 )
Ranked among companies with meaningful PB Ratio only.
BYFC' s PB Ratio Range Over the Past 10 Years
Min: 0.12  Med: 0.89 Max: 6.26
Current: 1.1
0.12
6.26
PS Ratio 4.11
BYFC's PS Ratio is ranked lower than
65% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.32 vs. BYFC: 4.11 )
Ranked among companies with meaningful PS Ratio only.
BYFC' s PS Ratio Range Over the Past 10 Years
Min: 0.07  Med: 0.57 Max: 4.2
Current: 4.11
0.07
4.2
Price-to-Free-Cash-Flow 2.26
BYFC's Price-to-Free-Cash-Flow is ranked higher than
83% of the 1008 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.76 vs. BYFC: 2.26 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
BYFC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.1  Med: 1.18 Max: 98.18
Current: 2.26
0.1
98.18
Price-to-Operating-Cash-Flow 2.26
BYFC's Price-to-Operating-Cash-Flow is ranked higher than
83% of the 1096 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.62 vs. BYFC: 2.26 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
BYFC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.1  Med: 1.14 Max: 37.24
Current: 2.26
0.1
37.24
EV-to-EBIT 49.93
BYFC's EV-to-EBIT is ranked lower than
94% of the 1558 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.64 vs. BYFC: 49.93 )
Ranked among companies with meaningful EV-to-EBIT only.
BYFC' s EV-to-EBIT Range Over the Past 10 Years
Min: -306.9  Med: 28.3 Max: 165.9
Current: 49.93
-306.9
165.9
EV-to-EBITDA 45.14
BYFC's EV-to-EBITDA is ranked lower than
95% of the 1576 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.00 vs. BYFC: 45.14 )
Ranked among companies with meaningful EV-to-EBITDA only.
BYFC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -1098.3  Med: 26 Max: 111.7
Current: 45.14
-1098.3
111.7

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -147.40
BYFC's 3-Year Average Share Buyback Ratio is ranked lower than
99% of the 1010 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.60 vs. BYFC: -147.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
BYFC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -155.7  Med: 0.2 Max: 5.8
Current: -147.4
-155.7
5.8

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.10
BYFC's Price-to-Tangible-Book is ranked higher than
59% of the 1798 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.25 vs. BYFC: 1.10 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
BYFC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.13  Med: 0.8 Max: 5.65
Current: 1.1
0.13
5.65
Price-to-Intrinsic-Value-Projected-FCF 0.64
BYFC's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
67% of the 1104 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. BYFC: 0.64 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
BYFC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.02  Med: 0.62 Max: 32
Current: 0.64
0.02
32
Price-to-Median-PS-Value 7.20
BYFC's Price-to-Median-PS-Value is ranked lower than
99% of the 1693 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. BYFC: 7.20 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
BYFC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.12  Med: 2.43 Max: 7.28
Current: 7.2
0.12
7.28
Price-to-Graham-Number 0.62
BYFC's Price-to-Graham-Number is ranked higher than
75% of the 1556 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.93 vs. BYFC: 0.62 )
Ranked among companies with meaningful Price-to-Graham-Number only.
BYFC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.21  Med: 0.68 Max: 1.09
Current: 0.62
0.21
1.09
Earnings Yield (Greenblatt) % 2.00
BYFC's Earnings Yield (Greenblatt) % is ranked lower than
70% of the 2086 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.41 vs. BYFC: 2.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
BYFC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.6  Med: 2.5 Max: 4.6
Current: 2
0.6
4.6
Forward Rate of Return (Yacktman) % 118.39
BYFC's Forward Rate of Return (Yacktman) % is ranked higher than
98% of the 891 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.45 vs. BYFC: 118.39 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
BYFC' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -10.3  Med: 144.5 Max: 991.4
Current: 118.39
-10.3
991.4

More Statistics

Revenue (TTM) (Mil) $12.67
EPS (TTM) $ 0.23
Beta0.67
Short Percentage of Float0.02%
52-Week Range $1.42 - 2.50
Shares Outstanding (Mil)27.42
» More Articles for NAS:BYFC

Headlines

Articles On GuruFocus.com
Broadway Financial Corp. Reports Operating Results (10-Q) Nov 15 2010 
Broadway Financial Corp. Reports Operating Results (10-Q) Aug 16 2010 
Broadway Financial Corp. Reports Operating Results (10-K) Jun 17 2010 
Broadway Financial Corp. Reports Operating Results (10-Q) Nov 13 2009 
Broadway Financial Corp. Reports Operating Results (10-Q) Aug 14 2009 
Broadway Financial Corp. Reports Operating Results (10-Q) May 14 2009 

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BROADWAY FINANCIAL CORP \DE\ Financials Nov 23 2016
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