Broadway Financial Corp
BYFCFinancial·Banks - Regional·USA·Micro·NASD·Nov 11 • 1:23 PM ET
11.63+0.11 (0.95%)
2026-11-11 19:42 CET
Market cap
106.89 USD m
Revenue, TTM
- USD m
Net income, TTM
-23.75 USD m
Free cash flow, TTM
6.18 USD m
EPS diluted, TTM
-2.76
P/E
-
Price
BYFC against its 20, 50 and 200-day averages2050200earnings
5.8% under the 52-week high of 12.35 on 4 Sep 2026. 52-week low 5.51 on 15 Dec 2025. Last 15 sessions, 6.6% high to low
Profile
BYFC52-week range, 89% of the way up
5.5112.35
Broadway Financial Corp. is a bank holding company, which engages in attracting deposits from the public through its subsidiary. The company was founded in September 1995 and is headquartered in Los Angeles, CA.
| Employees | 98 |
|---|---|
| IPO | Jan 09, 1996 |
| Beta | 0.81 |
| ATR, 14d | 0.25 |
| Rel volume | 0.35 |
| Short float | 0.22% |
| Insider own | 52.85% |
| Inst own | 17.54% |
Snapshot
6 groupsValuation
| Index | - |
|---|---|
| Market Cap | 107.91M |
| Enterprise Value | - |
| Income | -23.75M |
| Sales | 68.47M |
| Book/sh | 12.11 |
| Cash/sh | - |
| Dividend Est. | - |
| Dividend TTM | - |
| Dividend Ex-Date | Apr 08, 2010 |
| Dividend Gr. 3/5Y | - - |
| Payout | - |
| Employees | 98 |
| IPO | Jan 09, 1996 |
Ratios
| P/E | - |
|---|---|
| Forward P/E | - |
| PEG | - |
| P/S | 1.58 |
| P/B | 0.96 |
| P/C | - |
| P/FCF | 17.46 |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.05 |
| Debt/Eq | 0.67 |
| LT Debt/Eq | 0.36 |
| Option/Short | No / Yes |
Earnings
| EPS (ttm) | -2.76 |
|---|---|
| EPS next Y | - |
| EPS next Q | - |
| EPS this Y | - |
| EPS next Y | - |
| EPS next 5Y | - |
| EPS past 3/5Y | - -76.46% |
| Sales past 3/5Y | 18.94% 27.55% |
| EPS Y/Y TTM | -935.88% |
| Sales Y/Y TTM | 10.60% |
| EPS Q/Q | 11900.00% |
| Sales Q/Q | 27.88% |
| Earnings | - |
| EPS/Sales Surpr. | - - |
Ownership
| Insider Own | 52.85% |
|---|---|
| Insider Trans | -0.34% |
| Inst Own | 17.54% |
| Inst Trans | -0.49% |
| ROA | -1.48% |
| ROE | -7.59% |
| ROIC | -5.82% |
| Gross Margin | - |
| Oper. Margin | 9.88% |
| Profit Margin | -34.68% |
| SMA20 | 1.31% |
| SMA50 | -0.62% |
| SMA200 | 19.36% |
| Trades | - |
Technical
| Shs Outstand | 6.18M |
|---|---|
| Shs Float | 4.37M |
| Short Float | 0.22% |
| Short Ratio | 3.94 |
| Short Interest | 0.01M |
| 52W High | 12.35 -5.83% |
| 52W Low | 5.51 111.07% |
| Volatility | 1.99% 1.37% |
| ATR (14) | 0.25 |
| RSI (14) | 51.66 |
| Beta | 0.81 |
| Rel Volume | 0.35 |
| Avg Volume | 2.42K |
| Volume | 554 |
Performance
| Perf Week | 0.09% |
|---|---|
| Perf Month | -1.19% |
| Perf Quarter | -1.77% |
| Perf Half Y | 16.77% |
| Perf YTD | 57.16% |
| Perf Year | 82.57% |
| Perf 3Y | 97.45% |
| Perf 5Y | -47.71% |
| Perf 10Y | -9.14% |
| Recom | - |
| Target Price | - |
| Prev Close | 11.52 |
| Price | 11.63 |
| Change % | 0.95% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| PDLB | Ponce Financial Group Inc | 532.75M |
| PROV | Provident Financial Holdings Inc | 111.47M |
| AMAL | Amalgamated Financial Corp | 1.48B |
| OPBK | OP Bancorp | 223.54M |
| PCB | PCB Bancorp | 422.13M |
| SSBI | Summit State Bank | 79.16M |
| RVSB | Riverview Bancorp Inc | 125.54M |
| BSBK | Bogota Financial Corp | 117.37M |
| MGYR | Magyar Bancorp Inc | 140.15M |
| SFBC | Sound Financial Bancorp Inc | 115.74M |
Insider trading
4 filings| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| Bradshaw Wayne-Kent A. | Director | May 26 '26 | Sale | 9.42 | 8,600 | 81,048 | 33,359 | May 27 05:39 PM |
| Bradshaw Wayne-Kent A. | Director | May 22 '26 | Sale | 9.57 | 1,400 | 13,403 | 41,959 | May 27 05:34 PM |
| Bradshaw Wayne-Kent A. | Director | May 26 '26 | Proposed Sale | 9.35 | 8,600 | 80,432 | May 26 04:36 PM | |
| Driver John | Director | May 07 '26 | Sale | 9.36 | 6,500 | 60,847 | 2,711 | May 14 06:28 PM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| ONEQ | Fidelity Nasdaq Composite Index ETF | AUM: 10.35B |
| IWC | iShares Micro-Cap ETF | AUM: 1.22B |
| DCOR | US Core Equity 1 Portfolio ETF Class Shares | - |
| DFAC | U.S. Core Equity 2 Portfolio-ETF Class Shares | - |
| DFSU | Dimensional US Sustainability Core 1 ETF | - |
| DFAT | U.S. Targeted Value Portfolio-ETF Class Shares | - |
| DXUV | US Vector Equity Portfolio ETF Class Shares | - |
News
latest 14 of 198- Broadway Financial Corporation Reports Second Quarter 2026 Results Reflecting Strong Loan and Deposit Growth and Enhanced Operating Performance (Business Wire)
- Broadway Financial Corporation Names Tina Carew as Chief Legal Officer and Corporate Secretary (Business Wire)
- Broadway Financial Corporation Announces Results of Operations for First Quarter 2026 (Business Wire)
- Broadway Financial Corporation Announces Notification from Nasdaq Regarding Late Filing of Form 10-Q (PR Newswire)
- City First Bank Appoints Justin Jennings as Executive Vice President, Chief Deposit Officer (PR Newswire)
- Broadway Financial Corporation Announces Notification from Nasdaq Regarding Late Filing of Form 10-Q (PR Newswire)
- Broadway Financial Corporation Announces Results of Operations for Second Quarter 2025 (PR Newswire)
- Broadway Financial Corporation Announces Revised Results of Operations for First Quarter 2025 (PR Newswire)
- Broadway Financial Corporation Announces Notification from Nasdaq regarding late filing of Form 10-Q (PR Newswire)
- Broadway Financial Corporation Announces Results of Operations for First Quarter 2025 (PR Newswire) +5.17% -6.07%
- Broadway Financial Corporation Announces New Board Member (PR Newswire)
- Broadway Financial Corporation Announces Results for Fourth Quarter and Full Calendar Year 2024 (PR Newswire)
- Broadway Financial Corporation Announces New Chief Banking Officer (PR Newswire) +9.91%
- Broadway Financial Corporation Announces Results for Third Quarter 2024 (Business Wire) +5.71%
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q1 | 2026-05-15 | - | - | 0.050 | 9.64 | - | - |
| 2025Q2 | 2025-07-31 | - | - | -0.020 | 8.11 | - | - |
| 2025Q1 | 2025-07-29 | - | - | -0.300 | 8.33 | - | - |
| 2024Q4 | 2025-01-27 | - | - | 0.060 | 8.56 | - | - |
| 2024Q2 | 2024-07-30 | - | - | 0.030 | - | - | - |
| 2023Q4 | 2024-06-05 | - | - | 0.310 | - | - | - |
| 2023Q2 | 2023-08-08 | - | - | 0.000 | - | - | - |
| 2023Q1 | 2023-05-16 | - | - | 0.020 | - | - | - |
| 2022Q4 | 2023-02-10 | - | - | 0.020 | - | - | - |
| 2022Q3 | 2022-11-02 | - | - | 0.020 | - | - | - |
| 2022Q2 | 2022-08-09 | - | - | 0.030 | - | - | - |
| 2022Q1 | 2022-05-11 | - | - | 0.010 | - | - | - |
| 2021Q4 | 2022-03-14 | - | - | -0.020 | - | - | - |
| 2021Q3 | 2021-11-16 | - | - | 0.000 | - | - | - |
| 2021Q2 | 2021-08-16 | - | - | 0.010 | 8.01 | - | - |
| 2020Q3 | 2020-11-10 | - | - | -0.010 | - | - | - |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| 2012FY | -3.040 | - | -3.040 | 16.60 | - |
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| No estimate revisions. | ||||||||
Estimate history
| EPS, annual | 0.557 | 0.243 | -0.061 | -0.189 | -0.539 | 0.616 | 0.51 | 0.041 | -3.234 | -2.7592 |
|---|---|---|---|---|---|---|---|---|---|---|
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| EPS, quarterly | 0.031 | -0.027 | 0.06 | -0.299 | 0 | -2.858 | 0.03 | 0.045 | 0.024 | |
| Period | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | |
| Sales, annual | 17.634 | 16.102 | 17.899 | 18.669 | 27.966 | 37.464 | 52.585 | 65.5 | 63.034 | 68.47 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| Sales, quarterly | 15.761 | 16.582 | 16.042 | 14.637 | 14.647 | 16.068 | 16.98 | 16.691 | 18.73 | |
| Period | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | |
| Shares, annual | 3.345 | 3.427 | 3.483 | 3.505 | 8.971 | 9.179 | 9.013 | 9.12 | 9.18 | 9.274 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ |
| Shares, quarterly | 9.132 | 9.113 | 9.12 | 9.231 | 9.196 | 9.181 | 9.18 | 9.299 | 9.274 | |
| Period | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | 66.10 | 61.28 | 63.95 | 47.23 | 36.27 | 24.75 | 17.64 | 16.85 | 15.24 |
| Total Interest Expense | 30.21 | 28.14 | 32.18 | 17.77 | 3.41 | 3.75 | 5.47 | 6.39 | 4.93 |
| Net Interest Income | 35.89 | 33.15 | 31.77 | 29.46 | 32.86 | 21.00 | 12.17 | 10.46 | 10.31 |
| Loan Loss Provision | 2.41 | 2.19 | 0.66 | 0.93 | 1.00 | 0.18 | 0.03 | -0.01 | -1.25 |
| Net Interest Income After Loan Loss Provision | 33.48 | 30.96 | 31.11 | 28.53 | 31.86 | 20.83 | 12.14 | 10.47 | 11.56 |
| Non-Interest Income | 2.37 | 1.75 | 1.55 | 5.36 | 1.20 | 3.21 | 1.02 | 1.05 | 0.86 |
| Non-Interest Expense | 29.09 | 31.32 | 29.89 | 27.36 | 24.94 | 28.93 | 14.21 | 12.07 | 11.56 |
| Operating Income | 6.76 | 1.39 | 2.77 | 6.52 | 8.12 | -4.89 | -1.05 | -0.55 | 0.87 |
| Unusual Expense | 25.86 | 25.86 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | -18.82 | -24.47 | 2.77 | 6.52 | 8.12 | -4.89 | -1.05 | -0.55 | 0.87 |
| Income Taxes | 1.74 | 0.34 | 0.81 | 1.99 | 2.41 | -0.94 | -0.41 | -0.34 | 0.06 |
| Consolidated Net Income | -20.58 | -24.81 | 1.95 | 4.48 | 5.67 | -3.95 | -0.64 | -0.21 | 0.81 |
| Net Income From Continuing Operations | -20.75 | -24.80 | 1.92 | 4.46 | 5.60 | -4.05 | -0.64 | -0.21 | 0.81 |
| Net Income | -23.75 | -27.80 | 0.35 | 4.46 | 5.60 | -4.05 | -0.64 | -0.21 | 0.81 |
| EPS (Recurring) | -0.64 | -1.13 | 0.04 | 0.51 | 0.62 | -0.54 | -0.19 | -0.06 | 0.24 |
| EPS (Basic, Before Extraordinaries) | -2.76 | -3.23 | 0.04 | 0.52 | 0.62 | -0.54 | -0.19 | -0.06 | 0.24 |
| EPS (Diluted) | -2.76 | -3.23 | 0.04 | 0.51 | 0.62 | -0.54 | -0.19 | -0.06 | 0.24 |
| Non-Operating Income (Expense) | 0.28 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | -0.01 | 0.00 | -0.01 | -0.06 | -0.03 | 0.00 | 0.00 | 0.00 | -0.00 |
| Stock Option Compensation Expense | - | 0.24 | 0.24 | 0.24 | 0.16 | 0.35 | 0.28 | 0.19 | 0.06 |
| Price To Earnings Ratio | - | - | 25.46 | 15.20 | 27.93 | - | - | - | 34.93 |
| Price To Sales Ratio | 1.25 | 1.01 | 0.90 | 1.13 | 1.96 | 4.97 | 2.69 | 2.31 | 1.75 |
| Operating Margin | 9.88 | 2.20 | 4.23 | 12.40 | 21.67 | -17.47 | -5.62 | -3.08 | 5.41 |
| Net Margin | -34.68 | -44.10 | 0.54 | 8.47 | 14.96 | -14.48 | -3.44 | -1.15 | 5.04 |
| Shares Outstanding | 9.27 | 9.18 | 9.12 | 9.01 | 9.18 | 8.97 | 3.50 | 3.48 | 3.43 |
| Market Capitalization | 106.89 | 106.89 | 62.42 | 62.97 | 74.17 | 165.78 | 51.87 | 42.92 | 28.79 |
Income statement, quarterly
| Metric | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 | 2024Q3 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 17.80 | 16.21 | 16.29 | 15.79 | 14.40 | 14.37 | 15.76 | 16.17 |
| Total Interest Expense | 8.31 | 7.16 | 7.56 | 7.17 | 6.64 | 6.33 | 7.76 | 7.84 |
| Net Interest Income | 9.49 | 9.05 | 8.73 | 8.62 | 7.75 | 8.04 | 8.00 | 8.33 |
| Loan Loss Provision | 1.48 | 0.20 | 0.05 | 0.68 | -0.45 | 0.69 | -0.49 | 0.40 |
| Net Interest Income After Loan Loss Provision | 8.01 | 8.85 | 8.68 | 7.94 | 8.21 | 7.36 | 8.49 | 7.93 |
| Non-Interest Income | 0.93 | 0.48 | 0.69 | 0.28 | 0.25 | 0.26 | 0.28 | 0.42 |
| Non-Interest Expense | 7.48 | 8.02 | 7.94 | 5.66 | 7.52 | 10.20 | 7.21 | 7.59 |
| Operating Income | 1.46 | 1.32 | 1.43 | 2.56 | 0.94 | -2.58 | 1.56 | 0.75 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 25.86 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 1.48 | 1.43 | 1.42 | -23.16 | 1.04 | -2.55 | 1.84 | 0.75 |
| Income Taxes | 0.33 | 0.28 | 0.39 | 0.74 | 0.30 | -0.69 | 0.52 | 0.21 |
| Consolidated Net Income | 1.15 | 1.14 | 1.03 | -23.89 | 0.75 | -1.81 | 1.32 | 0.54 |
| Net Income From Continuing Operations | 0.96 | 1.15 | 1.02 | -23.88 | 0.75 | -1.81 | 1.30 | 0.52 |
| Net Income | 0.21 | 0.40 | 0.28 | -24.63 | 0.00 | -2.56 | 0.55 | -0.23 |
| EPS (Recurring) | 0.02 | 0.05 | 0.03 | -0.76 | 0.00 | -0.30 | 0.06 | -0.03 |
| EPS (Basic, Before Extraordinaries) | 0.02 | 0.05 | 0.03 | -2.86 | 0.00 | -0.30 | 0.06 | -0.03 |
| EPS (Diluted) | 0.02 | 0.05 | 0.03 | -2.86 | 0.00 | -0.30 | 0.06 | -0.03 |
| Non-Operating Income (Expense) | 0.02 | 0.11 | 0.00 | 0.14 | 0.10 | 0.03 | 0.28 | 0.00 |
| Other After Tax Adjustments | -0.01 | -0.01 | 0.00 | 0.00 | 0.00 | 0.05 | 0.00 | -0.01 |
| Stock Option Compensation Expense | -0.02 | 0.11 | - | -0.02 | 0.04 | 0.04 | - | 0.10 |
| Price To Earnings Ratio | - | - | - | - | - | 164.45 | 25.46 | 17.04 |
| Price To Sales Ratio | 1.25 | 0.99 | 1.09 | 1.03 | 1.03 | 0.97 | 0.98 | 0.85 |
| Operating Margin | 7.79 | 7.91 | 8.42 | 15.90 | 6.40 | -17.61 | 9.70 | 4.54 |
| Net Margin | 1.14 | 2.39 | 1.62 | -153.30 | 0.01 | -17.48 | 3.43 | -1.41 |
| Shares Outstanding | 9.27 | 9.30 | 9.18 | 9.18 | 9.20 | 9.23 | 9.12 | 9.11 |
| Market Capitalization | 106.89 | 66.65 | 68.05 | 66.76 | 66.93 | 65.34 | 62.42 | 58.81 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY | 2017FY |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 1.68 | 2.25 | 5.46 | 7.46 | 38.42 | 71.11 | 3.02 | 4.12 | 3.42 |
| Investments | 273.63 | 276.15 | 430.38 | 348.19 | 352.76 | 39.19 | 26.64 | 36.74 | 62.12 |
| Net Loans | 1,016.54 | 999.96 | 880.46 | 768.05 | 648.51 | 360.13 | 397.85 | 355.56 | 334.85 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Real Estate Assets | - | - | - | - | - | - | 0.00 | 0.83 | 0.88 |
| Net Property, Plant & Equipment | 10.23 | 9.32 | 9.84 | 10.29 | 10.34 | 2.54 | 2.78 | 2.24 | 2.41 |
| Interest Receivables | 6.00 | 5.00 | 4.94 | 3.97 | 3.37 | 1.20 | 1.22 | 1.14 | 1.07 |
| Deferred Tax Assets | 9.68 | 8.88 | 13.11 | 14.64 | 9.62 | 7.08 | 7.05 | 7.13 | 6.59 |
| Other Intangible Assets | 30.79 | 33.32 | 34.79 | 34.46 | 33.99 | 3.58 | 3.65 | 3.72 | 3.85 |
| Total Assets | 1,348.54 | 1,334.88 | 1,378.97 | 1,187.06 | 1,097.02 | 484.83 | 442.20 | 411.49 | 415.19 |
| Total Deposits | 917.60 | 745.40 | 682.63 | 686.92 | 788.05 | 315.63 | 297.72 | 281.41 | 291.29 |
| Total Debt | 154.26 | 293.92 | 397.46 | 206.74 | 153.07 | 114.01 | 89.07 | 75.10 | 70.10 |
| Long Term Debt | 1.24 | 31.78 | 47.10 | 47.53 | 82.74 | 86.31 | 55.02 | 67.10 | 42.60 |
| Provision for Risks Charges | 0.22 | 0.28 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Deferred Tax Liabilities | 2.97 | 2.84 | 3.57 | 2.77 | 3.15 | 1.45 | 1.83 | 2.09 | 1.48 |
| Other Liabilities | 10.52 | 10.10 | 13.21 | 10.98 | 12.44 | 4.85 | 4.73 | 4.45 | 4.58 |
| Total Liabilities | 1,085.59 | 1,049.69 | 1,096.88 | 907.41 | 956.71 | 435.94 | 393.35 | 363.05 | 367.46 |
| Preferred Stock - Carrying Value | 150.00 | 150.00 | 150.00 | 150.00 | 3.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 112.75 | 134.97 | 131.90 | 129.48 | 138.00 | 48.88 | 48.85 | 48.44 | 47.73 |
| Total Shareholders Equity | 262.75 | 284.97 | 281.90 | 279.48 | 141.00 | 48.88 | 48.85 | 48.44 | 47.73 |
| Accumulated Minority Interest | 0.21 | 0.22 | 0.19 | 0.17 | 0.10 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 262.96 | 285.19 | 282.10 | 279.65 | 141.10 | 48.88 | 48.85 | 48.44 | 47.73 |
| Total Liabilities & Stockholders Equity | 1,348.54 | 1,334.88 | 1,378.97 | 1,187.06 | 1,097.81 | 484.83 | 442.20 | 411.49 | 415.19 |
| Book Value Per Share | 12.28 | 14.80 | 14.63 | 14.11 | 15.38 | 13.95 | 14.02 | 14.13 | 14.27 |
| Tangible Book Value Per Share | 12.12 | 11.77 | 11.53 | 11.02 | 12.16 | 13.95 | 14.02 | 14.13 | 14.27 |
| Tier 1 Capital | - | - | - | - | - | 46.56 | 48.54 | 49.43 | 47.84 |
| Tier 2 Capital | - | - | - | - | - | 3.24 | 3.25 | 2.98 | 3.22 |
| Full-Time Employees | 98 | 106 | 98 | 84 | 80 | 64 | 64 | 65 | 68 |
| Price to Book Ratio | 0.95 | 0.46 | 0.04 | 0.58 | 1.20 | 1.06 | 0.88 | 0.59 | 1.35 |
| Return on Assets | -1.87 | 0.14 | 0.35 | 0.49 | -0.51 | -0.14 | -0.05 | 0.20 | 0.44 |
| Return on Equity | -9.05 | 0.68 | 1.59 | 2.67 | -4.27 | -1.31 | -0.42 | 1.69 | 4.00 |
| Return on Invested Capital | -9.39 | 0.61 | 1.35 | 1.71 | -1.81 | -0.47 | -0.20 | 0.70 | 2.06 |
| Current Ratio | 0.02 | 0.13 | 0.12 | 0.03 | 0.40 | 0.37 | 0.06 | 0.09 | 0.09 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | 8.07 | 4.13 | 3.32 | 5.71 | 6.89 | -1.81 | 0.09 | 0.59 | 0.76 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | -1.33 | -3.90 | -1.93 | 1.88 | -0.56 | 2.38 | -0.23 | 0.05 | 0.14 |
| Cash from Operating Activities | 6.74 | 0.23 | 1.39 | 7.59 | 6.32 | 0.57 | -0.14 | 0.64 | 0.90 |
| Capital Expenditures | -20.56 | -20.24 | -0.14 | -0.21 | -0.32 | -1.14 | -0.41 | -0.04 | -0.08 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -0.17 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 84.75 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | -147.07 | -45.33 | 117.13 | 18.39 | -196.18 | 2.64 | 0.54 | 4.88 | 2.44 |
| Purchase of Investments | -229.69 | -150.47 | 0.00 | 0.00 | -215.50 | -16.52 | -2.00 | 0.00 | 0.00 |
| Sale Or Maturity of Investments | 82.62 | 105.14 | 117.13 | 18.39 | 19.32 | 19.16 | 2.54 | 4.88 | 2.44 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | -321.57 | -79.40 | 28.30 | -100.04 | -323.96 | 24.86 | 37.30 | -31.26 | -1.48 |
| Cash Dividends Paid | -3.00 | -3.00 | -1.57 | 0.00 | -0.01 | -0.06 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | 0.00 | 0.00 | 0.00 | -5.18 | 149.50 | 30.84 | 0.00 | 0.00 | 0.00 |
| Repurchase of Common Pref Stock | 0.00 | 0.00 | 0.00 | -1.78 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | 0.00 | 0.00 | 0.00 | -3.40 | 149.50 | 30.84 | 0.00 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | 0.00 | 0.00 | 0.00 | -3.40 | 149.50 | 30.84 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | 21.86 | -140.72 | -134.72 | 191.00 | 96.23 | -38.98 | 25.48 | 13.23 | 5.00 |
| Change in Long Term Debt | 3.71 | -154.89 | -27.86 | 0.00 | 42.36 | -30.99 | 25.48 | 13.23 | 5.00 |
| Issuance of Long Term Debt | 1,026.21 | 955.75 | 341.51 | 0.00 | 95.50 | 5.00 | 60.00 | 22.00 | 32.50 |
| Reduction of Long Term Debt | -1,022.50 | -1,110.64 | -369.37 | 0.00 | -53.14 | -35.99 | -34.52 | -8.77 | -27.50 |
| Net Financing Active Other Cash Flow | -0.37 | -0.17 | 0.00 | 0.00 | 0.00 | -0.51 | 0.00 | -0.01 | -0.11 |
| Other Financing Activities Uses | - | -0.17 | - | 0.00 | - | -0.51 | 0.00 | -0.01 | -0.11 |
| Cash from Financing Activities | 334.21 | 28.31 | -73.53 | 181.54 | 144.58 | 109.99 | 43.39 | 29.53 | -4.98 |
| Net Change in Cash | 19.39 | -50.86 | -43.83 | 89.09 | -215.41 | 135.41 | 80.54 | -1.08 | -5.57 |
| Free Cash Flow | 6.18 | -0.01 | 1.25 | 7.39 | 6.00 | -0.57 | -0.56 | 0.60 | 0.82 |
| Preferred Dividends (Cash Flow) | - | -3.00 | -1.57 | 0.00 | -0.01 | -0.06 | 0.00 | 0.00 | 0.00 |
| Price to Free Cash Flow | 26.93 | - | - | 8.03 | 12.29 | - | - | 68.87 | 34.31 |
| Federal Home Loan Advances Increase (Decrease) | - | 5.22 | 0.52 | -2.90 | -7.53 | 1.23 | -0.52 | 0.00 | 0.00 |
Balance sheet, quarterly
| Metric | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 2.13 | 1.75 | 1.68 | 1.37 | 1.96 | 2.04 |
| Investments | 383.01 | 313.52 | 273.63 | 271.95 | 212.84 | 207.85 |
| Net Loans | 1,126.54 | 1,059.26 | 1,016.54 | 1,013.14 | 977.06 | 971.23 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 8.78 | 8.66 | 10.23 | 8.73 | 8.72 | 8.81 |
| Interest Receivables | 6.75 | 6.68 | 6.00 | 5.65 | 5.11 | 5.62 |
| Deferred Tax Assets | 7.31 | 6.78 | 9.68 | 8.14 | 8.64 | 8.10 |
| Other Intangible Assets | 29.18 | 29.42 | 30.79 | 26.57 | 33.19 | 34.36 |
| Total Assets | 1,563.70 | 1,426.07 | 1,348.54 | 1,335.57 | 1,247.52 | 1,238.02 |
| Total Deposits | 1,114.65 | 1,073.06 | 917.60 | 849.21 | 798.92 | 776.54 |
| Total Debt | 175.93 | 81.25 | 154.26 | 213.78 | 154.07 | 168.19 |
| Long Term Debt | 94.00 | 0.00 | 1.24 | 137.67 | 90.29 | 87.42 |
| Provision for Risks Charges | 0.20 | 0.30 | 0.22 | 0.44 | 0.22 | 0.29 |
| Deferred Tax Liabilities | - | - | 2.97 | - | - | - |
| Other Liabilities | 10.44 | 8.79 | 10.52 | 10.25 | 9.41 | 8.19 |
| Total Liabilities | 1,301.22 | 1,163.39 | 1,085.59 | 1,073.68 | 962.63 | 953.22 |
| Preferred Stock - Carrying Value | 150.00 | 150.00 | 150.00 | 150.00 | 150.00 | 150.00 |
| Common Equity | 112.30 | 112.48 | 112.75 | 111.69 | 134.68 | 134.58 |
| Total Shareholders Equity | 262.30 | 262.48 | 262.75 | 261.69 | 284.68 | 284.58 |
| Accumulated Minority Interest | 0.18 | 0.19 | 0.21 | 0.20 | 0.21 | 0.22 |
| Total Equity | 262.48 | 262.67 | 262.96 | 261.89 | 284.89 | 284.80 |
| Total Liabilities & Stockholders Equity | 1,563.70 | 1,426.07 | 1,348.54 | 1,335.57 | 1,247.52 | 1,238.02 |
| Book Value Per Share | 12.11 | 12.10 | 12.28 | 12.17 | 14.65 | 14.58 |
| Tangible Book Value Per Share | 11.97 | 11.95 | 12.12 | 12.00 | 11.66 | 11.59 |
| Full-Time Employees | - | - | 98 | - | - | - |
| Price to Book Ratio | 0.95 | 0.59 | 0.34 | 0.49 | 0.49 | 0.48 |
| Return on Assets | -1.48 | -1.57 | -1.80 | -1.75 | 0.06 | 0.02 |
| Return on Equity | -7.59 | -7.66 | -8.73 | -8.63 | 0.27 | 0.10 |
| Return on Invested Capital | 0.27 | 0.44 | 0.39 | -5.98 | 0.20 | -0.49 |
| Current Ratio | 0.05 | 0.03 | 0.02 | 0.06 | 0.08 | 0.26 |
Cash flow, quarterly
| Metric | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 |
|---|---|---|---|---|---|---|
| Funds from Operations | 2.68 | 1.56 | 1.06 | 2.78 | 1.03 | -0.73 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | 1.37 | -0.43 | -3.31 | 1.04 | 1.98 | -3.62 |
| Cash from Operating Activities | 4.05 | 1.13 | -2.26 | 3.82 | 3.01 | -4.35 |
| Capital Expenditures | -0.31 | -0.03 | -0.11 | -20.11 | -0.01 | -0.01 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | -43.39 | -28.61 | -11.42 | -63.65 | 9.35 | 20.40 |
| Purchase of Investments | -53.99 | -46.87 | -32.59 | -96.23 | -21.65 | 0.00 |
| Sale Or Maturity of Investments | 10.60 | 18.27 | 21.18 | 32.58 | 30.99 | 20.40 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | -117.07 | -68.21 | -13.43 | -122.85 | 34.56 | 22.33 |
| Cash Dividends Paid | -0.75 | -0.75 | -0.75 | -0.75 | -0.75 | -0.75 |
| Preferred Dividends (Cash Flow) | -0.75 | -0.75 | -0.75 | -0.75 | -0.75 | -0.75 |
| Change in Capital Stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Repurchase of Common Pref Stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | 94.68 | -71.52 | -61.01 | 59.71 | -45.48 | -93.95 |
| Change in Long Term Debt | 94.00 | -72.00 | -65.67 | 47.38 | -28.48 | -108.12 |
| Issuance of Long Term Debt | 266.00 | 183.25 | 406.25 | 170.71 | 192.87 | 185.91 |
| Reduction of Long Term Debt | -172.00 | -255.25 | -471.92 | -123.33 | -221.36 | -294.03 |
| Net Financing Active Other Cash Flow | -0.20 | 0.00 | -0.17 | 0.00 | 0.00 | 0.00 |
| Cash from Financing Activities | 135.32 | 83.18 | 6.47 | 109.24 | -23.85 | -63.55 |
| Net Change in Cash | 22.30 | 16.10 | -9.22 | -9.78 | 13.72 | -45.57 |
| Free Cash Flow | 3.74 | 1.09 | -2.37 | 3.72 | 3.00 | -4.36 |
| Price to Free Cash Flow | 26.93 | 26.19 | - | - | - | 9.74 |
Revenue breakdown
| Savings Institution, Federally Chartered | 2024: 155.00K 2025: 184.00K |
|---|---|
| United States | 2024: 155.00K 2025: 184.00K |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 0.22% | 0.0M | 4.4M | 2.52K |
| 2026-10-15 | 0.24% | 0.0M | 4.4M | 4.70K |
| 2026-09-30 | 0.25% | 0.0M | 4.4M | 4.51K |
| 2026-09-15 | 0.31% | 0.0M | 4.4M | 5.51K |
| 2026-08-31 | 0.28% | 0.0M | 4.4M | 5.76K |
| 2026-08-14 | 0.28% | 0.0M | 4.4M | 6.11K |
| 2026-07-31 | 0.27% | 0.0M | 4.4M | 6.76K |
| 2026-07-15 | 0.17% | 0.0M | 4.4M | 4.91K |
| 2026-06-30 | 0.20% | 0.0M | 4.4M | 5.04K |
| 2026-06-15 | 0.22% | 0.0M | 4.4M | 4.24K |
| 2026-05-29 | 0.24% | 0.0M | 4.4M | 4.02K |
| 2026-05-15 | 0.24% | 0.0M | 4.3M | 3.64K |
| 2026-04-30 | 0.37% | 0.0M | 4.3M | 2.74K |
| 2026-04-15 | 0.36% | 0.0M | 4.3M | 2.80K |
| 2026-03-31 | 0.28% | 0.0M | 4.4M | 3.71K |
| 2026-03-13 | 0.31% | 0.0M | 4.3M | 8.06K |
| 2026-02-27 | 0.30% | 0.0M | 4.3M | 7.89K |
| 2026-02-13 | 0.35% | 0.0M | 4.3M | 7.73K |
| 2026-01-30 | 0.44% | 0.0M | 4.3M | 8.18K |
| 2026-01-15 | 0.55% | 0.0M | 4.3M | 8.13K |
Option chain
expiry 2026-11-11| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-10-02 | 8-K | Current report | 2026-09-28 | SEC |
| 2026-08-13 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-08-11 | SCHEDULE 13G/A | SEC | ||
| 2026-08-03 | 3 | Initial statement of beneficial ownership of securities | 2026-07-22 | SEC |
| 2026-07-31 | 4/A | 2026-07-28 | SEC | |
| 2026-07-30 | 4 | Statement of changes in beneficial ownership of securities | 2026-07-28 | SEC |
| 2026-07-28 | 8-K | Current report | 2026-07-28 | SEC |
| 2026-07-02 | 3 | Initial statement of beneficial ownership of securities | 2026-06-17 | SEC |
| 2026-06-23 | 8-K | Current report | 2026-06-17 | SEC |
| 2026-06-18 | 8-K | Current report | 2026-06-18 | SEC |
| 2026-06-03 | 8-K | Current report | 2026-06-03 | SEC |
| 2026-05-27 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-26 | SEC |
| 2026-05-27 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-22 | SEC |
| 2026-05-26 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-05-15 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-03-31 | SEC |
| 2026-05-15 | 8-K/A | 2026-04-28 | SEC | |
| 2026-05-14 | 4 | Statement of changes in beneficial ownership of securities | 2026-05-07 | SEC |
| 2026-04-30 | ARS | Annual report to security holders. | 2025-12-31 | SEC |
| 2026-04-30 | DEFA14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | SEC | |
| 2026-04-30 | DEF 14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | 2026-06-17 | SEC |
| 2026-04-29 | SCHEDULE 13G | SEC | ||
| 2026-04-28 | 8-K | Current report | 2026-04-28 | SEC |
| 2026-03-31 | 10-K | Annual report pursuant to Section 13 or 15(d) | 2025-12-31 | SEC |
| 2026-03-26 | SCHEDULE 13G/A | SEC | ||
| 2026-03-06 | 4 | Statement of changes in beneficial ownership of securities | 2026-03-02 | SEC |
| 2026-03-05 | 4 | Statement of changes in beneficial ownership of securities | 2026-03-02 | SEC |
| 2026-03-04 | 4 | Statement of changes in beneficial ownership of securities | 2026-03-02 | SEC |
| 2026-03-04 | 4 | Statement of changes in beneficial ownership of securities | 2026-03-02 | SEC |
| 2026-03-04 | 4 | Statement of changes in beneficial ownership of securities | 2026-03-02 | SEC |
| 2026-03-04 | 4 | Statement of changes in beneficial ownership of securities | 2026-03-02 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 0 | 0 | 0 | 0 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 0 | 0 | 155.30K | 3 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 0 | 0 | 0 | 0 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 0 | 0 |
| 2025-11 | 0 | 0 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| M3F, Inc. | 6.46% |
| VANGUARD CAPITAL MANAGEMENT LLC | 3.38% |
| BANK OF AMERICA CORP /DE/ | 2.87% |
| GRACE & WHITE INC /NY | 1.84% |
| GEODE CAPITAL MANAGEMENT, LLC | 0.75% |
| US BANCORP \DE\ | 0.70% |
| WITTENBERG INVESTMENT MANAGEMENT, INC. | 0.61% |
| VANGUARD FIDUCIARY TRUST CO | 0.33% |
| BlackRock, Inc. | 0.17% |
| RENAISSANCE TECHNOLOGIES LLC | 0.16% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 2.73% |
| VANGUARD EXTENDED MARKET INDEX FUND | 0.58% |
| Fidelity Extended Market Index Fund | 0.25% |
| Fidelity Nasdaq Composite Index ETF | 0.19% |
| iShares Micro-Cap ETF | 0.16% |
| Fidelity Total Market Index Fund | 0.12% |
| Fidelity Series Total Market Index Fund | 0.07% |
| VANGUARD BALANCED INDEX FUND | 0.03% |
| VANGUARD INSTITUTIONAL TOTAL STOCK MARKET INDEX FUND | 0.03% |
| Schwab Total Stock Market Index Fund | 0.03% |
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