# Broadway Financial Corporation (BYFC)

> Source: Nexqual · https://nexqual.com/BYFC · data as of 2026-10-23 20:00 UTC · cite as "Nexqual, Broadway Financial Corporation (BYFC), nexqual.com/BYFC" · informational, not investment advice.

**Price:** USD 11.26 (-0.49% on the day) · last close of Oct 23, 2026; US market closed, not a live price. Prev close 11.32 · day 11.26–11.26 · 52w 5.51–12.35 · market cap $104M · NCM

## Key facts
- Last four reported quarters (through Jun 30, 2026): revenue $38.5M, net income -$20.7M (-53.8% margin) (SEC filings).
- Insider open-market sales, last ~7 months: 3 Form 4 filings, $155K; 3 not under a Rule 10b5-1 plan ($155K); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Total return with dividends: 1Y +68.3% vs S&P 500 +13.4%; 5Y -52.8% vs S&P 500 +76.9%.

## Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $24.2M | $34.1M | $34.8M | $33.3M | $34.9M | $38.5M |
| Net income | -$4.0M | $5.6M | $4.3M | $1.9M | -$24.8M | -$20.7M |
| EPS (diluted) | -$0.56 | $0.62 | $0.49 | $0.04 | -$3.23 | — |
| Free cash flow | -$514K | $6.0M | $7.4M | $1.3M | -$13K | $6.2M |
| Net margin | -16.7% | 16.5% | 12.4% | 5.8% | -71.0% | -53.8% |
| Revenue growth | +83.5% | +40.6% | +2.2% | -4.3% | +4.7% | — |
| Cash + short-term investments | $232M | $16.1M | $105M | $61.4M | $10.5M | — |
Fiscal years end Dec. EPS is split-adjusted.

## Valuation (price ÷ last four quarters, through Jun 30, 2026)
P/S 2.7x · P/FCF 16.9x · P/B 0.4x · FCF yield 5.92% · Earnings yield -19.84%
P/E at fiscal year-ends: Dec 2024 30.7x, Dec 2023 13.7x.

## Insider sales (SEC Form 4, open-market, last ~7 months)
0 of 3 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-05-26 | Bradshaw Wayne-Kent A. | Director | 8,600 | $81K | 20.5% | No | Too little history (no open-market trades in 2023 or 2024) |
| 2026-05-22 | Bradshaw Wayne-Kent A. | Director | 1,400 | $13K | 3.2% | No | Too little history (no open-market trades in 2023 or 2024) |
| 2026-05-07 | Driver John | Director | 6,500 | $61K | 70.6% | No | Too little history (no open-market trades in 2023–2025) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.

## Total return (dividends reinvested)
|  | 1Y (from 2025-10-24) | 5Y (from 2021-10-25) |
|---|---|---|
| Total return | +68.3% | -52.8% |
| S&P 500 (SPY) | +13.4% | +76.9% |
| Per year | +68.6% | -13.9% |
| Volatility (annualized) | 39.9% | 45.9% |
| Max drawdown | -15.9% (Jan 2026→Mar 2026) | -81.1% (Oct 2021→May 2024) |

## Peers (Banks - Regional)
BBD (Banco Bradesco Sa) USD 4.07 +3.04% · FITB (Fifth Third Bancorp) USD 52.98 -0.47% · DB (Deutsche Bank AG) USD 31.2 -0.89% · TFC (Truist Financial Corporation) USD 48.44 +0.04% · NWG (NatWest Group plc) USD 16.8 -1.12% · NU (Nu Holdings Ltd.) USD 15.16 +2.92%

## More
Full page: https://nexqual.com/BYFC · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Company outlook (8-K filed 2026-07-28)

- "(3) the rate and amount of credit losses incurred and projected to be incurred by us, increases in the amounts of our nonperforming assets, the level of our loss reserves and management's judgments regarding the collectability of loans;"

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter | — | — | — | $0 | — |
| Next quarter | — | — | — | $0 | — |
| Current fiscal year (ends 2012-12-31) | — | — | — | $0 | — |
| Next fiscal year | — | — | — | $0 | — |