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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 : 4/10

vs
industry
vs
history
Cash to Debt 0.05
BYFC's Cash to Debt is ranked lower than
97% of the 973 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.46 vs. BYFC: 0.05 )
Ranked among companies with meaningful Cash to Debt only.
BYFC' s 10-Year Cash to Debt Range
Min: 0.04   Max: No Debt
Current: 0.05

Equity to Asset 0.11
BYFC's Equity to Asset is ranked higher than
62% of the 1283 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. BYFC: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
BYFC' s 10-Year Equity to Asset Range
Min: 0.04   Max: 0.13
Current: 0.11

0.04
0.13
Interest Coverage 0.65
BYFC's Interest Coverage is ranked lower than
75% of the 1196 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.68 vs. BYFC: 0.65 )
Ranked among companies with meaningful Interest Coverage only.
BYFC' s 10-Year Interest Coverage Range
Min: 0.05   Max: 0.66
Current: 0.65

0.05
0.66
F-Score: 3
Z-Score: 0.16
WACC vs ROIC
8.67%
2.49%
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 : 4/10

vs
industry
vs
history
Operating margin (%) 21.18
BYFC's Operating margin (%) is ranked lower than
69% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.16 vs. BYFC: 21.18 )
Ranked among companies with meaningful Operating margin (%) only.
BYFC' s 10-Year Operating margin (%) Range
Min: -69.83   Max: 26.31
Current: 21.18

-69.83
26.31
Net-margin (%) 21.16
BYFC's Net-margin (%) is ranked higher than
50% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.21 vs. BYFC: 21.16 )
Ranked among companies with meaningful Net-margin (%) only.
BYFC' s 10-Year Net-margin (%) Range
Min: -80.19   Max: 19.53
Current: 21.16

-80.19
19.53
ROE (%) 9.06
BYFC's ROE (%) is ranked higher than
56% of the 1344 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.17 vs. BYFC: 9.06 )
Ranked among companies with meaningful ROE (%) only.
BYFC' s 10-Year ROE (%) Range
Min: -55.75   Max: 10.43
Current: 9.06

-55.75
10.43
ROA (%) 0.83
BYFC's ROA (%) is ranked higher than
52% of the 1351 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.81 vs. BYFC: 0.83 )
Ranked among companies with meaningful ROA (%) only.
BYFC' s 10-Year ROA (%) Range
Min: -3.18   Max: 0.75
Current: 0.83

-3.18
0.75
ROC (Joel Greenblatt) (%) 103.26
BYFC's ROC (Joel Greenblatt) (%) is ranked higher than
60% of the 1333 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 75.43 vs. BYFC: 103.26 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
BYFC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -255.41   Max: 93.4
Current: 103.26

-255.41
93.4
Revenue Growth (3Y)(%) -61.30
BYFC's Revenue Growth (3Y)(%) is ranked lower than
98% of the 1133 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. BYFC: -61.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BYFC' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 24.5
Current: -61.3

0
24.5
» BYFC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 14.10
BYFC's P/E(ttm) is ranked higher than
57% of the 1418 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.10 vs. BYFC: 14.10 )
Ranked among companies with meaningful P/E(ttm) only.
BYFC' s 10-Year P/E(ttm) Range
Min: 3.34   Max: 26.67
Current: 14.1

3.34
26.67
PE(NRI) 13.40
BYFC's PE(NRI) is ranked higher than
55% of the 1209 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.10 vs. BYFC: 13.40 )
Ranked among companies with meaningful PE(NRI) only.
BYFC' s 10-Year PE(NRI) Range
Min: 3.31   Max: 27
Current: 13.4

3.31
27
P/B 1.10
BYFC's P/B is ranked higher than
63% of the 1629 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. BYFC: 1.10 )
Ranked among companies with meaningful P/B only.
BYFC' s 10-Year P/B Range
Min: 0.12   Max: 6.13
Current: 1.1

0.12
6.13
P/S 2.70
BYFC's P/S is ranked higher than
61% of the 2101 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.90 vs. BYFC: 2.70 )
Ranked among companies with meaningful P/S only.
BYFC' s 10-Year P/S Range
Min: 0.07   Max: 3.02
Current: 2.7

0.07
3.02
EV-to-EBIT 44.89
BYFC's EV-to-EBIT is ranked lower than
90% of the 1370 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.35 vs. BYFC: 44.89 )
Ranked among companies with meaningful EV-to-EBIT only.
BYFC' s 10-Year EV-to-EBIT Range
Min: -384.7   Max: 165.9
Current: 44.89

-384.7
165.9
Days Sales Outstanding 31.90
BYFC's Days Sales Outstanding is ranked higher than
55% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.67 vs. BYFC: 31.90 )
Ranked among companies with meaningful Days Sales Outstanding only.
BYFC' s 10-Year Days Sales Outstanding Range
Min: 27.49   Max: 77.21
Current: 31.9

27.49
77.21

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
BYFC's Price/Tangible Book is ranked higher than
63% of the 1632 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. BYFC: 1.10 )
Ranked among companies with meaningful Price/Tangible Book only.
BYFC' s 10-Year Price/Tangible Book Range
Min: 0.13   Max: 5.53
Current: 1.1

0.13
5.53
Price/DCF (Projected) 0.60
BYFC's Price/DCF (Projected) is ranked higher than
68% of the 954 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.70 vs. BYFC: 0.60 )
Ranked among companies with meaningful Price/DCF (Projected) only.
BYFC' s 10-Year Price/DCF (Projected) Range
Min: 0.01   Max: 15.2
Current: 0.6

0.01
15.2
Price/Median PS Value 4.50
BYFC's Price/Median PS Value is ranked lower than
98% of the 1605 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. BYFC: 4.50 )
Ranked among companies with meaningful Price/Median PS Value only.
BYFC' s 10-Year Price/Median PS Value Range
Min: 0.12   Max: 4.71
Current: 4.5

0.12
4.71
Price/Graham Number 0.90
BYFC's Price/Graham Number is ranked higher than
54% of the 1422 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. BYFC: 0.90 )
Ranked among companies with meaningful Price/Graham Number only.
BYFC' s 10-Year Price/Graham Number Range
Min: 0.08   Max: 1.13
Current: 0.9

0.08
1.13
Earnings Yield (Greenblatt) 2.10
BYFC's Earnings Yield (Greenblatt) is ranked lower than
81% of the 1502 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. BYFC: 2.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
BYFC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 4.6
Current: 2.1

0.6
4.6
Forward Rate of Return (Yacktman) 156.48
BYFC's Forward Rate of Return (Yacktman) is ranked higher than
97% of the 761 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.69 vs. BYFC: 156.48 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
BYFC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -18   Max: 988.6
Current: 156.48

-18
988.6

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, FNFG » 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 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, primarily 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.
» More Articles for 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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