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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
BYFC's Cash to Debt is ranked lower than
93% of the 1134 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.18 vs. BYFC: 0.10 )
Ranked among companies with meaningful Cash to Debt only.
BYFC' s Cash to Debt Range Over the Past 10 Years
Min: 0.04  Med: 0.14 Max: No Debt
Current: 0.1
Equity to Asset 0.12
BYFC's Equity to Asset is ranked higher than
70% of the 1602 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. BYFC: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
BYFC' s Equity to Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.08 Max: 0.13
Current: 0.12
0.05
0.13
Interest Coverage 0.99
BYFC's Interest Coverage is ranked lower than
62% of the 1585 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.62 vs. BYFC: 0.99 )
Ranked among companies with meaningful Interest Coverage only.
BYFC' s Interest Coverage Range Over the Past 10 Years
Min: 0.21  Med: 0.33 Max: 0.65
Current: 0.99
0.21
0.65
F-Score: 6
M-Score: -2.70
WACC vs ROIC
3.93%
7.09%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 27.75
BYFC's Operating margin (%) is ranked lower than
58% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.11 vs. BYFC: 27.75 )
Ranked among companies with meaningful Operating margin (%) only.
BYFC' s Operating margin (%) Range Over the Past 10 Years
Min: -55.79  Med: 15.68 Max: 24.55
Current: 27.75
-55.79
24.55
Net-margin (%) 60.87
BYFC's Net-margin (%) is ranked higher than
96% of the 1620 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.40 vs. BYFC: 60.87 )
Ranked among companies with meaningful Net-margin (%) only.
BYFC' s Net-margin (%) Range Over the Past 10 Years
Min: -53.54  Med: 10.00 Max: 19.53
Current: 60.87
-53.54
19.53
ROE (%) 19.83
BYFC's ROE (%) is ranked higher than
91% of the 1615 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.20 vs. BYFC: 19.83 )
Ranked among companies with meaningful ROE (%) only.
BYFC' s ROE (%) Range Over the Past 10 Years
Min: -38.06  Med: 4.35 Max: 9.94
Current: 19.83
-38.06
9.94
ROA (%) 2.20
BYFC's ROA (%) is ranked higher than
88% of the 1625 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. BYFC: 2.20 )
Ranked among companies with meaningful ROA (%) only.
BYFC' s ROA (%) Range Over the Past 10 Years
Min: -2.11  Med: 0.41 Max: 0.74
Current: 2.2
-2.11
0.74
Revenue Growth (3Y)(%) -61.40
BYFC's Revenue Growth (3Y)(%) is ranked lower than
99% of the 1336 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.80 vs. BYFC: -61.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BYFC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -61.4  Med: 9.10 Max: 24.4
Current: -61.4
-61.4
24.4
» BYFC's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-08-11)


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

» Details

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Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NAS:PBHC, NAS:JXSB, OTCPK:VLLX, NAS:HFBL, NAS:ANCB, NAS:HMNF, OTCPK:LTLB, OTCPK:BHWB, NAS:UCBA, OTCPK:GRRB, NAS:GTWN, OTCPK:FIRT, NAS:WAYN, OTCPK:SFDL, OTCBB:PBCP, NAS:PBBI, OTCPK:EKFC, NAS:PBSK, AMEX:BKJ, NAS:KFFB » 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
P/E(ttm) 6.25
BYFC's P/E(ttm) is ranked higher than
85% of the 1682 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.67 vs. BYFC: 6.25 )
Ranked among companies with meaningful P/E(ttm) only.
BYFC' s P/E(ttm) Range Over the Past 10 Years
Min: 3.34  Med: 10.31 Max: 16
Current: 6.25
3.34
16
PE(NRI) 6.25
BYFC's PE(NRI) is ranked higher than
86% of the 1537 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.86 vs. BYFC: 6.25 )
Ranked among companies with meaningful PE(NRI) only.
BYFC' s PE(NRI) Range Over the Past 10 Years
Min: 3.34  Med: 10.31 Max: 16
Current: 6.25
3.34
16
Price/Owner Earnings (ttm) 4.41
BYFC's Price/Owner Earnings (ttm) is ranked higher than
81% of the 851 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.62 vs. BYFC: 4.41 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
BYFC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 0.2  Med: 5.84 Max: 21.9
Current: 4.41
0.2
21.9
P/B 1.07
BYFC's P/B is ranked lower than
54% of the 1759 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. BYFC: 1.07 )
Ranked among companies with meaningful P/B only.
BYFC' s P/B Range Over the Past 10 Years
Min: 0.12  Med: 0.87 Max: 205
Current: 1.07
0.12
205
P/S 3.69
BYFC's P/S is ranked lower than
66% of the 1761 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.94 vs. BYFC: 3.69 )
Ranked among companies with meaningful P/S only.
BYFC' s P/S Range Over the Past 10 Years
Min: 0.07  Med: 0.69 Max: 4.21
Current: 3.69
0.07
4.21
PFCF 1.95
BYFC's PFCF is ranked higher than
83% of the 918 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.16 vs. BYFC: 1.95 )
Ranked among companies with meaningful PFCF only.
BYFC' s PFCF Range Over the Past 10 Years
Min: 0.14  Med: 1.44 Max: 127.06
Current: 1.95
0.14
127.06
POCF 1.94
BYFC's POCF is ranked higher than
82% of the 1025 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.89 vs. BYFC: 1.94 )
Ranked among companies with meaningful POCF only.
BYFC' s POCF Range Over the Past 10 Years
Min: 0.14  Med: 1.20 Max: 625
Current: 1.94
0.14
625
EV-to-EBIT 31.40
BYFC's EV-to-EBIT is ranked lower than
87% of the 1650 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.90 vs. BYFC: 31.40 )
Ranked among companies with meaningful EV-to-EBIT only.
BYFC' s EV-to-EBIT Range Over the Past 10 Years
Min: -306.9  Med: 28.30 Max: 165.9
Current: 31.4
-306.9
165.9
EV-to-EBITDA 29.55
BYFC's EV-to-EBITDA is ranked lower than
89% of the 1649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.75 vs. BYFC: 29.55 )
Ranked among companies with meaningful EV-to-EBITDA only.
BYFC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -1098.3  Med: 24.50 Max: 111.7
Current: 29.55
-1098.3
111.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.09
BYFC's Price/Tangible Book is ranked higher than
52% of the 1747 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. BYFC: 1.09 )
Ranked among companies with meaningful Price/Tangible Book only.
BYFC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.13  Med: 0.75 Max: 110
Current: 1.09
0.13
110
Price/Projected FCF 0.50
BYFC's Price/Projected FCF is ranked higher than
68% of the 973 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.67 vs. BYFC: 0.50 )
Ranked among companies with meaningful Price/Projected FCF only.
BYFC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.01  Med: 0.52 Max: 40.2
Current: 0.5
0.01
40.2
Price/Median PS Value 5.30
BYFC's Price/Median PS Value is ranked lower than
99% of the 1684 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.01 vs. BYFC: 5.30 )
Ranked among companies with meaningful Price/Median PS Value only.
BYFC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.1  Med: 2.03 Max: 6.03
Current: 5.3
0.1
6.03
Price/Graham Number 0.55
BYFC's Price/Graham Number is ranked higher than
74% of the 1552 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. BYFC: 0.55 )
Ranked among companies with meaningful Price/Graham Number only.
BYFC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.21  Med: 0.69 Max: 1.09
Current: 0.55
0.21
1.09
Earnings Yield (Greenblatt) (%) 3.24
BYFC's Earnings Yield (Greenblatt) (%) is ranked lower than
79% of the 1803 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. BYFC: 3.24 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BYFC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.6  Med: 3.00 Max: 4.6
Current: 3.24
0.6
4.6
Forward Rate of Return (Yacktman) (%) 117.79
BYFC's Forward Rate of Return (Yacktman) (%) is ranked higher than
97% of the 844 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.22 vs. BYFC: 117.79 )
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: 61.50 Max: 991.4
Current: 117.79
-10.3
991.4

More Statistics

Revenue (TTM) (Mil) $13.81
EPS (TTM) $ 0.28
Beta0.22
Short Percentage of Float0.03%
52-Week Range $1.17 - 2.50
Shares Outstanding (Mil)29.08
» 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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