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what it is
Broadway Financial owns City First Bank, which makes property loans and takes deposits from consumers, businesses, and nonprofits.
how it gets paid
Last year Broadway Finl made $155K in revenue. multifamily mortgage lending was the main engine at $62K, or 40% of sales.
growth snapshot
Revenue was roughly flat last year at $155K. The number that mattered was -$3.27 in EPS because revenue can jump off a tiny base.
what just happened
Quarterly revenue hit $131K, up 179% vs. prior year, but EPS still came in at -$3.27.
At a glance
n/a balance sheet
20/100 earnings predictability — expect surprises
194.8x trailing p/e — you're paying up for this one
$0.04 fy2024 eps est
$2B fy2026 rev est
xvary composite: 73/100 — average
What they do
Broadway Financial owns City First Bank, which makes property loans and takes deposits from consumers, businesses, and nonprofits.
BYFC wins by being small enough to work loans bigger banks often ignore. It has 106 employees and has been doing this since 1946, which matters when your borrower is a church, a charter school, or a local nonprofit that needs a real person. That relationship banking (local lending decisions → faster yes-or-no calls → stickier customers) is the whole edge.
How they make money
$155K
annual revenue · their business grew +0.0% last year
multifamily mortgage lending
$62K
commercial real estate lending
$39K
single-family mortgage lending
$23K
sba and commercial business lending
$19K
deposit and account services
$12K
The products that matter
commercial and residential lending
Lending
core revenue engine
this is the center of a bank with $32.4M in trailing revenue. if loan growth does not translate into cleaner net interest income, the story stalls.
core business
checking, savings, and cds
Deposit Services
+7.2% growth
deposits grew 7.2% in the first half of 2025. that matters because a bank with weak earnings still needs stable funding to keep making loans.
funding base
community development lending
Tax Credit Deployment
$75M allocation
the company secured a $75M New Markets Tax Credit allocation. if management turns that into productive loans, you get a real growth lever instead of just a press-release line.
capital source
Key numbers
$0.04
2024 EPS
That is what BYFC earned for the full year. Against a $7.79 stock price, you are paying a lot for very little profit.
194.8x
trailing p/e
P/E (price-to-earnings ratio → how many dollars you pay for $1 of profit → valuation reality check) says the market is pricing in a recovery that has not happened yet.
$0.47
eps drop
FY EPS fell from $0.51 in 2023 to $0.04 in 2024. That is what a disappearing earnings base looks like in plain numbers.
$48M
market cap
At roughly $48 million, this is a tiny public bank. Small size can help locally, but it also makes the stock easier to toss around.
Financial health
n/a
strength
- balance sheet grade n/a
- risk rank 2 — safer than 80% of stocks
- price stability 15 / 100
n/a — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for BYFC right now.
source: institutional data · return history unavailable
What just happened
missed estimates
Quarterly revenue hit $131K, up 179% vs. prior year, but EPS still came in at -$3.27.
Revenue growth looked huge because the base was tiny. The real story is that profit still did not show up, which keeps the turnaround in prove-it mode.
$131K
revenue
-$3.27
eps
+179%
vs. last year revenue growth
the number that mattered
The number that mattered was -$3.27 in EPS because revenue can jump off a tiny base, but losses still tell you the business is not fixed.
source: company earnings report, 2026
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What could go wrong
the top risk is another delayed Nasdaq filing tied to City First Bank reporting and internal controls.
high
listing risk is real
BYFC received an extension until February 16, 2026, to file a delayed quarterly report and filed on February 13. You cleared this deadline, but only barely.
If another report slips, the problem shifts from paperwork to liquidity for your shares.
med
the bank still loses money
The company posted a -75.6% profit margin, a -8.94% return on equity, and a latest reported quarterly loss of $603K.
Losses do not just look bad on a chart. They shrink the capital base a bank needs to grow.
med
revenue is concentrated in lending spreads
Net interest income is 86.7% of revenue. That means one engine drives almost the whole business.
If loan yields disappoint or funding costs stay high, most of the income statement feels it at once.
This is a $48M bank with $32.4M in trailing revenue and a -75.6% margin. A listing issue would hit liquidity, and continued losses would keep eating at the business underneath it.
source: institutional data · regulatory filings · risk analysis
Pay attention to
calendar
timely filings, not just eventual filings
The last delayed report landed on February 13, 2026, ahead of a February 16 deadline. Next quarter, you want boring compliance and no extension drama.
risk
whether losses are narrowing
The latest reported quarter lost $603K on $8.1M in revenue. One profitable quarter would not fix the story, but another loss keeps the same story alive.
trend
deposit growth after the 7.2% first-half gain
Deposits are the raw material for lending. If that 7.2% growth rate fades, the funding base gets weaker before earnings recover.
metric
how the $75M tax credit allocation gets used
The allocation sounds large because it is large relative to the company. What matters is whether it shows up in loan production, fee income, or neither.
Analyst rankings
earnings predictability
20 / 100
in human-speak, the next quarter is hard to handicap because the filings and the income statement have both been unstable.
price stability
15 / 100
this stock does not trade like a sleepy local bank. expect sharper moves than the business would suggest.
risk rank
2
the formal risk score looks calm, but the delayed-filing history is the quiet part most ratings will not capture well.
source: institutional data
Institutional activity
institutional ownership data for BYFC is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$8
current price
n/a
target midpoint · n/a from current
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