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ZYBERNO

Stock Report

Updated Aug 31, 2026

BROADWAY FINANCIAL CORPORATION (BYFC)

Financial Services • NASDAQ

$12.04

Professional Investment Analysis

ZYBERNO SCORE →

Is it a great business? Is it getting better?

28.0/100

POOR BUSINESS

BROADWAY FINANCIAL CORPORATION (BYFC) scores 28/100 — concerning metrics indicating significant structural or financial risks.

📊 How is the Zyberno Score calculated? +

The Zyberno Score answers one question: "Is this a quality business worth owning?" It's a 0-100 investment grade that evaluates business fundamentals across four critical dimensions, based on principles from Warren Buffett, Benjamin Graham, Peter Lynch, and Charlie Munger.

The 4 Core Categories (25 points each):

1. PROFITABILITY (25 pts)

Metrics: ROE, ROIC, Net Margin, Operating Margin
Thresholds: ROE >20% excellent • ROIC >20% excellent • Net Margin >20% excellent • Operating Margin >25% excellent

2. FINANCIAL STRENGTH (25 pts)

Metrics: Debt-to-Equity, Current Ratio, Interest Coverage, Altman Z-Score
Thresholds: D/E <0.3 excellent • Current Ratio >2.5 excellent • Interest Coverage >10x excellent • Altman Z >3.0 safe

3. CASH FLOW QUALITY (25 pts)

Metrics: Free Cash Flow, OCF vs Net Income, FCF Margin
Thresholds: Positive & growing FCF excellent • OCF/NI >1.2x excellent (cash earnings exceed accounting)

4. GROWTH & CONSISTENCY (25 pts)

Metrics: Revenue Growth, Net Income Growth, FCF Growth, Piotroski F-Score
Thresholds: Growth via log-linear regression • Piotroski 8-9 excellent, 6-7 good

Score Interpretation:

75-100

GREAT BUSINESS

65-74

GOOD BUSINESS

50-64

AVERAGE BUSINESS

30-49

WEAK BUSINESS

0-29

POOR BUSINESS

→ View full BYFC quality analysis & detailed breakdown

VALUATION SIGNAL

⚠

Business Model Limitation

BROADWAY FINANCIAL CORPORATION operates in the Banking industry. Owner Earnings-based DCF analysis — the foundation of both the Margin of Safety and the Brina Gap — is not well-suited to companies whose business model is structurally built around leverage: banks, insurers, mortgage companies, and REITs. These businesses are typically valued using sector-specific metrics such as Price-to-Book, Price-to-FFO, or Net Asset Value. Treat these signals as directional only.

MARGIN OF SAFETY

Is this stock cheap or expensive relative to what the business has historically generated for owners?

+1.1%

Fairly Valued

Growth gap unavailable — insufficient data for reverse DCF calculation.

🎯 Expected Annual Return →

10.4%

Margin of Safety convergence — your return if the market re-prices to intrinsic value (5-yr annualised)

5.2%

Yield + growth — what the business alone earns you, even if the market never re-rates

💰 How is Margin of Safety calculated? +

Margin of Safety measures how much discount or premium you're paying relative to a stock's intrinsic value. It's Benjamin Graham's core principle: the larger the margin, the lower your downside risk.

Formula: (Intrinsic Value − Current Price) ÷ Intrinsic Value × 100%

How We Calculate Intrinsic Value (DCF Method):

Step 1: Calculate current Owner Earnings (OCF − Maintenance CapEx)

Step 2: Calculate company-specific growth rate using log-linear regression on 16 quarters of Owner Earnings

Step 3: Project 10 years forward using the calculated growth rate

Step 4: Discount each year's cash flow to present value using 10% discount rate

Step 5: Calculate terminal value using 3% perpetual growth rate

Step 6: Sum all discounted cash flows = Intrinsic Value

What The Percentages Mean:

+50% or more

EXCELLENT — Very undervalued

+25% to +50%

GOOD — Attractive discount

0% to +25%

FAIR — Reasonable value

0% to -25%

CAUTION — Slight premium

-25% or worse

POOR — Overvalued

"Price is what you pay, value is what you get." — Warren Buffett

→ View full BYFC valuation analysis · → View full BYFC Brina Gap analysis

📈 How is Brina Gap calculated? +

Brina Gap measures the difference between the growth a business can fundamentally sustain and the growth the market is already pricing in.

Formula: Fundamental Growth Rate − Market-Implied Growth Rate

The Two Components:

Fundamental Growth Rate = ROIC × Reinvestment Rate

What the business can sustainably grow at based on how much it reinvests and what return it earns on that capital. Grounded in historical financials.

Market-Implied Growth Rate = Reverse DCF

The growth rate the current Enterprise Value implicitly assumes. Calculated by back-solving a 10-year DCF model (10% WACC, 3% terminal growth) until the present value of projected cash flows equals EV.

What The Gap Means:

Gap > +5% Market Underestimates — potential upside

+2% to +5% Slight Underestimate

-2% to +2% Fairly Priced — market consensus matches fundamentals

-5% to -2% Slight Overestimate

Gap < -5% Market Overestimates — price embeds optimism fundamentals don't support

A positive gap (market underestimates) combined with a positive Margin of Safety is the strongest combined signal — the business is both cheap historically and forward economics are stronger than the price suggests.

Critical Financial Health Indicators

Return on Equity (Profitability):CRITICAL (-8.6%)

Debt-to-Equity (Solvency Risk):EXCELLENT (0.00x)

Operating Margin (Operational Efficiency):CRITICAL (-32.6%)

Return on Capital (Capital Efficiency):CRITICAL (-7.8%)

📊 Valuation Trilogy

Three interconnected metrics for complete valuation analysis

Click any metric for full methodology and detailed analysis

Zyberno's Verdict

BROADWAY FINANCIAL CORPORATION (BYFC) stock report — Zyberno Score 28/100 (POOR BUSINESS), Margin of Safety +1.1%, 10% expected annual return. Full financial analysis on Zyberno.

According to Zyberno's DCF model, BROADWAY FINANCIAL CORPORATION (BYFC) trades at $12.04 against an estimated intrinsic value per share of $12.17 — a +1.1% Margin of Safety based on Owner Earnings of $5.46M TTM, projected at 9.8% growth for 10 years with a 2.5% terminal growth rate. Zyberno's model translates this into a 5-year expected return of 10.4% annually.

Over the trailing twelve months, BYFC generated $5.46M in Owner Earnings. Capital was deployed as follows: $527.00K paid as dividends, $261.00K invested in capital expenditures. Reinvestment rate: 1.0%. Owner Earnings have grown at 9.8% annually over the trailing five years using log-linear regression.

DIVISION I: EXECUTIVE SUMMARY

A. Market Valuation

Market Price & Capitalization (2)

Current Price:12.04

Market Cap:$104.50M

Valuation Multiples (3)

P/B Ratio:0.40x

P/S Ratio:1.58x

Peg Ratio:-999.00x

Enterprise Metrics (2)

Enterprise Value:$55.99M

Pfcf Ratio:18.88x

Price Action & Momentum (3)

12-1 Momentum:

+23.1% (73th pctile)

📈 Click to view full BYFC Momentum analysis →

Momentum Percentile:73 / 100

% of 52-Week High:97.8%

B. Profitability Assessment

Return Metrics (5)

ROE:

-8.6%

📊 Click to view full BYFC ROE analysis →

ROA:-1.6%

Roic:

-7.8%

📊 Click to view full BYFC ROIC analysis →

Reinvestment Rate:1.0%

Fundamental Growth Rate (g):-0.1%

Margin Analysis (3)

Operating Margin Ttm:-32.6%

Net Margin Ttm:-34.3%

Ebitda Margin:-31.2%

TTM Performance (2)

Operating Margin Ttm:-32.6%

Net Margin Ttm:-34.3%

Yield Metrics (3)

Earnings Yield:-$26.69

Owner Earnings Yield:$5.31

Dividend Yield:0.5%

C. Log-Linear Regression Growth Trends

Earnings Surprise (SUE) (3)

Earnings Surprise (SUE):

+0.30

📊 Click to view full BYFC Earnings Surprise analysis →

EPS Surprise vs Expected:110.4%

Latest Earnings Filed:2026-08-13

Revenue Growth (Linear) (1)

Revenue Growth Rate (Linear):37.2%

Earnings Growth (Linear) (1)

Net Income Growth Rate (Linear):-3.4%

Cash Flow Growth (Linear) (2)

Free Cash Flow Growth Rate (Linear):14.6%

Operating Cash Flow Growth Rate (Linear):4.4%

Operating Growth (Linear) (1)

Operating Income Growth Rate (Linear):-4.3%

D. Financial Stability

Liquidity Ratios (3)

Current Ratio:0.00x

Quick Ratio:0.00x

Cash Ratio:0.04x

Leverage Analysis (3)

Debt To Equity Ttm:0.00x

Debt-to-Equity Ratio:0.00x

Debt To Ebitda:-999.00x

Coverage Ratios (2)

Interest Coverage Ratio:-0.68x

Times Interest Earned:-0.68

Capital Structure (4)

Working Capital:-1,112,516,000.00

Cash And Cash Equivalents:48,905,000.00

Long Term Debt:$194.00K

Net Debt:-$48.52M

DIVISION II: FINANCIAL STATEMENTS ANALYSIS

A. Income Statement Analysis

Revenue Components (2)

Revenue TTM: $66.10M

Linear Growth: 37.2%

📊 Click to view full BYFC Revenue analysis & methodology →

Cost Of Revenue Ttm:$0.00

Profitability Breakdown (2)

$0.00

Operating income TTM: -$21.56M

Linear Growth: -4.3%

📊 Click to view full BYFC Operating Income analysis & methodology →

Bottom Line Performance (3)

Net income TTM: -$22.67M

Linear Growth: -3.4%

📊 Click to view full BYFC Net Income analysis & methodology →

Income Before Tax:-$21.56M

Ebitda Ttm:-20,630,000.00

Operating Expenses (5)

Operating Expenses:54,955,000.00

R And D Expense:0.00

Sga Expense:0.00

Income Tax Expense:$1.74M

Interest Expense:35,890,000.00

Expense Ratios (3)

R And D To Revenue Percentage:0.0%

Sga To Revenue Percentage:0.0%

Ebitda Margin:-31.2%

B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$1.56B

Current Assets:$2.14M

Ppe Net:8,782,000.00

Goodwill:0.00

Intangible Assets:$1.31M

Liability Structure (4)

Total Liabilities:1,301,218,000.00

Current Liabilities:1,114,651,000.00

Long Term Debt:$194.00K

Short Term Debt:$195.00K

Equity & Capital (3)

Equity:$262.48M

Retained Earnings:-$14.61M

Common Stock:8,000,000.00

Working Capital Items (3)

Accounts Receivable:0.00

Inventory:0.00

Accounts Payable:0.00

Special Items (2)

Contract Liabilities:0.00

Stock Based Compensation:0.00

C. Cash Flow Analysis

Operating Activities (2)

Operating cash flow TTM: $5.71M

Linear Growth: 4.4%

Free cash flow TTM: $5.44M

Linear Growth: 14.6%

📊 Click to view full BYFC Free Cash Flow analysis & methodology →

Investment Activities (2)

Investing Cash Flow:-$68.21M

Capital Expenditures Ttm:261,000.00

Financing Activities (3)

Financing Cash Flow:$83.18M

Dividends Paid Ttm:527,000.00

Stock Repurchase:0.00

Capital Transactions (3)

Common Stock Issuance:0.00

Long Term Debt Issuance:$0.00

Long Term Debt Repayments:$0.00

Non-Cash Items (1)

Depreciation Amortization Ttm:930,000.00

DIVISION III: OPERATIONAL METRICS

A. Per Share Analysis

Earnings Per Share (3)

EPS (Basic TTM):-3.16

Eps diluted TTM: -$3.16

Linear Growth: 15.6%

📊 Click to view full BYFC EPS analysis & methodology →

Earnings Per Share Ttm:-$2.61

Revenue & Cash Per Share (3)

Sales Per Share Ttm:7.61

Operating Cash Flow Per Share:$0.03

Fcf Per Share Ttm:0.63

Book Value & Capital (2)

Book Value Per Share:$30.24

Cash Per Share:5.63

Dividend Policy (1)

Dividend Payout Ratio:-999.00x

B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:0.05x

Working Capital Turnover Ttm:-999.00x

Receivables Management (2)

Receivables Turnover Ttm:-999.00x

Days Sales Outstanding Ttm:-999.00

Inventory Management (2)

Inventory Turnover Ttm:-999.00x

Days Inventory Outstanding Ttm:-999.00

Payables & Cash Cycle (2)

Days Payable Outstanding:-999.00

Cash Conversion Cycle:-999.00

C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:60.00

Quality Score:40.00

Market Metrics (2)

Beta:0.00x

Volatility Category:unknown

DIVISION IV: INVESTMENT ANALYSIS

A. Value Investment Framework

Owner Earnings Analysis (3)

Owner earnings TTM: $5.46M

Linear Growth: 9.8%

📊 Click to view full BYFC Owner Earnings analysis & methodology →

Owner Earnings Per Share:$0.63

Owner Earnings Yield:$5.31

Growth Assessment (1)

Owner Earnings Growth Rate:$9.78

Damodaran Growth Analysis (2)

Reinvestment Rate:1.0%

Fundamental Growth Rate (g):-0.1%

Intrinsic Value Models (1)

Intrinsic Value:

$105.65M

📊 Click to view full BYFC DCF valuation →

Margin of Safety (1)

Margin Of Safety:

1.1%

📊 Click to view full BYFC valuation analysis →

Return Scenarios (2)

Theoretical 5-Year Return:

10.4%

📊 Click to view full BYFC expected return analysis →

Forward Expected Return (Yield + Growth):

5.2%

📊 Click to view full BYFC expected return analysis →

Investment Assessment (1)

Buffett Assessment:Fair value

B. Log-Linear Regression Growth Analysis

Growth Rates (Log-Linear Regression) (3)

Revenue Growth Rate (Linear):37.2%

Net Income Growth Rate (Linear):-3.4%

Operating Income Growth Rate (Linear):-4.3%

Cash Flow Growth Rates (2)

Free Cash Flow Growth Rate (Linear):14.6%

Operating Cash Flow Growth Rate (Linear):4.4%

Other Growth Rates (2)

Book Value Growth Rate (Linear):4.5%

Owner Earnings Growth Rate:$9.78

C. Company Profile & Context

Corporate Information (6)

Symbol:BYFC

Company Name:BROADWAY FINANCIAL CORPORATION

Sector:Financial Services

Industry:Banking

Exchange:NASDAQ

Country:United States

Market Classification (3)

Market Cap Category:N/A

Price Category:medium

Volume Category:N/A

Share Structure (3)

Shares Outstanding:8.68M

Shares Outstanding Basic:8.68M

Shares Outstanding Diluted:8.87M

Data Processing Info (3)

Processing Version:v3.0

Last Updated:2026-08-31 19:18:17 UTC

Data Timestamp:2026-08-19T19:24:48.415676