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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 0.26
BYFC's Cash-to-Debt is ranked lower than
87% of the 1592 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.23 vs. BYFC: 0.26 )
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: 0.26
Equity-to-Asset 0.10
BYFC's Equity-to-Asset is ranked higher than
62% of the 1591 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. BYFC: 0.10 )
Ranked among companies with meaningful Equity-to-Asset only.
BYFC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.08 Max: 0.13
Current: 0.1
0.04
0.13
Interest Coverage 0.59
BYFC's Interest Coverage is ranked lower than
89% of the 1515 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. BYFC: 0.59 )
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: 1.16
Current: 0.59
0.21
1.16
Beneish M-Score: -2.07
WACC vs ROIC
8.75%
3.46%
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 % 17.29
BYFC's Operating Margin % is ranked lower than
87% of the 1606 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.37 vs. BYFC: 17.29 )
Ranked among companies with meaningful Operating Margin % only.
BYFC' s Operating Margin % Range Over the Past 10 Years
Min: -69.83  Med: 12.05 Max: 31.68
Current: 17.29
-69.83
31.68
Net Margin % 29.82
BYFC's Net Margin % is ranked higher than
66% of the 1605 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.70 vs. BYFC: 29.82 )
Ranked among companies with meaningful Net Margin % only.
BYFC' s Net Margin % Range Over the Past 10 Years
Min: -80.19  Med: 10 Max: 63.89
Current: 29.82
-80.19
63.89
ROE % 8.70
BYFC's ROE % is ranked lower than
60% of the 1603 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.58 vs. BYFC: 8.70 )
Ranked among companies with meaningful ROE % only.
BYFC' s ROE % Range Over the Past 10 Years
Min: -60.11  Med: 4.35 Max: 21.75
Current: 8.7
-60.11
21.75
ROA % 0.97
BYFC's ROA % is ranked lower than
53% of the 1612 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. BYFC: 0.97 )
Ranked among companies with meaningful ROA % only.
BYFC' s ROA % Range Over the Past 10 Years
Min: -3.18  Med: 0.41 Max: 2.41
Current: 0.97
-3.18
2.41
3-Year Revenue Growth Rate -34.90
BYFC's 3-Year Revenue Growth Rate is ranked lower than
97% of the 1354 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.20 vs. BYFC: -34.90 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
BYFC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -62.4  Med: 7.4 Max: 24.4
Current: -34.9
-62.4
24.4
GuruFocus has detected 3 Warning Signs with Broadway Financial Corp $BYFC.
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» BYFC's 30-Y Financials

Financials (Next Earnings Date: 2017-08-02 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:JXSB, NAS:HFBL, OTCPK:LTLB, NAS:WAYN, NAS:GTWN, NAS:ANCB, OTCPK:FIRT, OTCPK:GRRB, NAS:PBHC, OTCPK:WEFP, NAS:PBSK, NAS:EQFN, NAS:WVFC, NAS:HMNF, NAS:IROQ, OTCPK:RYFL, NAS:UCBA, OTCPK:BHWB, OTCPK:MBCQ, NAS:KFFB » details
Headquarter Location:USA
Broadway Financial Corp through its subsidiary, Broadway Federal Bank, f.s.b is engaged in the business of attracting deposits from the general public and investing those deposits in mortgage loans.

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. Broadway Financial Corp through its subsidiary, Broadway Federal Bank, f.s.b is engaged in the business of of attracting 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 mortgage loans secured by (i) residential properties with five or more units ("multi-family"), (ii) commercial real estate and (iii) residential properties with one-to-four units ("single family"). In addition, it invests in securities issued by the federal government and federal agencies, residential mortgage-backed securities and other investments.

Ratios

vs
industry
vs
history
PE Ratio 13.27
BYFC's PE Ratio is ranked lower than
53% of the 1510 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.59 vs. BYFC: 13.27 )
Ranked among companies with meaningful PE Ratio only.
BYFC' s PE Ratio Range Over the Past 10 Years
Min: 3.34  Med: 9.85 Max: 16
Current: 13.27
3.34
16
PE Ratio without NRI 13.27
BYFC's PE Ratio without NRI is ranked lower than
52% of the 1477 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.63 vs. BYFC: 13.27 )
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: 9.85 Max: 16
Current: 13.27
3.34
16
Price-to-Owner-Earnings 20.51
BYFC's Price-to-Owner-Earnings is ranked lower than
65% of the 882 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.21 vs. BYFC: 20.51 )
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: 20.51
0.35
29.78
PB Ratio 1.13
BYFC's PB Ratio is ranked higher than
58% of the 1611 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. BYFC: 1.13 )
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: 1.13
0.12
6.26
PS Ratio 4.11
BYFC's PS Ratio is ranked lower than
65% of the 1586 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.40 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: 0.6 Max: 4.2
Current: 4.11
0.07
4.2
EV-to-EBIT 56.45
BYFC's EV-to-EBIT is ranked lower than
97% of the 1668 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.52 vs. BYFC: 56.45 )
Ranked among companies with meaningful EV-to-EBIT only.
BYFC' s EV-to-EBIT Range Over the Past 10 Years
Min: -357.8  Med: 29 Max: 165.9
Current: 56.45
-357.8
165.9
EV-to-EBITDA 50.96
BYFC's EV-to-EBITDA is ranked lower than
97% of the 1685 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.29 vs. BYFC: 50.96 )
Ranked among companies with meaningful EV-to-EBITDA only.
BYFC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -1280.4  Med: 26.4 Max: 111.7
Current: 50.96
-1280.4
111.7

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -10.50
BYFC's 3-Year Average Share Buyback Ratio is ranked lower than
77% of the 1042 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 vs. BYFC: -10.50 )
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: -10.5
-155.7
5.8

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.13
BYFC's Price-to-Tangible-Book is ranked higher than
60% of the 1576 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. BYFC: 1.13 )
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: 0.78 Max: 5.65
Current: 1.13
0.13
5.65
Price-to-Intrinsic-Value-Projected-FCF 2.31
BYFC's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
63% of the 869 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. BYFC: 2.31 )
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  Med: 0.62 Max: 27.44
Current: 2.31
0
27.44
Price-to-Median-PS-Value 6.86
BYFC's Price-to-Median-PS-Value is ranked lower than
99% of the 1462 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.14 vs. BYFC: 6.86 )
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  Med: 2.33 Max: 6.9
Current: 6.86
0
6.9
Price-to-Graham-Number 0.82
BYFC's Price-to-Graham-Number is ranked higher than
58% of the 1364 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.96 vs. BYFC: 0.82 )
Ranked among companies with meaningful Price-to-Graham-Number only.
BYFC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0  Med: 0.69 Max: 1.09
Current: 0.82
0
1.09
Earnings Yield (Greenblatt) % 1.78
BYFC's Earnings Yield (Greenblatt) % is ranked lower than
73% of the 2207 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.95 vs. BYFC: 1.78 )
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: 9.3
Current: 1.78
0.6
9.3
Forward Rate of Return (Yacktman) % 107.17
BYFC's Forward Rate of Return (Yacktman) % is ranked higher than
98% of the 890 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.45 vs. BYFC: 107.17 )
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: 107.17
-10.3
991.4

More Statistics

Revenue (TTM) (Mil) $13.68
EPS (TTM) $ 0.15
Beta0.48
Short Percentage of Float0.33%
52-Week Range $1.42 - 2.50
Shares Outstanding (Mil)27.45
» 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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