BYFC BROADWAY FINANCIAL CORP DE

Overview and Growth

BROADWAY FINANCIAL CORP DE generated $184.00K of revenue and net loss of $24.80M in fiscal 2025. Reported revenue of $184.00K establishes the scale of the bank’s recognized income for the year and provides context for comparing earnings with the financial resources employed. The top line expanded 18.7% from $155.00K in fiscal 2024, increasing the company’s operating scale. Diluted earnings per share were -$3.23, translating the period’s attributable earnings into the amount reported for each diluted share. A diluted share base of 8.60M links the aggregate earnings figure to diluted EPS and helps frame the per-share comparison. Diluted shares moved 0.5% from 8.64M in fiscal 2024, leaving the current share base lower year over year. The bank reported $1.35B of total assets, the resource base supporting its lending, investing, and other financial activities and the basis for assessing earnings returns, capitalization, liquidity, and its shareholder-capital buffer.

Profitability

The bank recorded a net loss of $24.80M after all recognized revenue, expense, and tax items. The pretax result was a loss of $24.47M, establishing the deficit before tax effects. The reported income-tax provision was $338.00K, the amount recognized between pretax income and the final net-income result. The loss-to-equity relationship was 9.4%, placing the bottom-line deficit against shareholder capital. Relative to total assets, the net loss represented 1.8%. A $24.80M net loss replaced fiscal 2024 net income of $1.93M. For a banking business, profitability is best read through net income together with returns on the asset base and shareholder capital. Return on assets connects earnings to the full financial balance sheet, while return on equity shows the result relative to shareholder capital; together they separate operating scale from capitalization and clarify the relationship between them.

Liquidity and Capital Structure

Total assets were $1.35B, supported by $1.08B of liabilities and $262.96M of shareholder equity. Cash and equivalents totaled $10.51M, identifying the most liquid reported component available within the broader current-asset balance. Book equity represented 19.5% of total assets, quantifying the balance-sheet share supported by shareholder capital. Liabilities represented 80.5% of total assets, quantifying the liability-funded share of the company’s resource base. The cash-to-assets relationship was 0.8%, comparing reported cash and equivalents with the full positive asset balance. Compared with $1.33B in fiscal 2024, the current asset base moved 0.8% and finished higher. Against $285.19M of equity in fiscal 2024, the current book-equity balance moved 7.8% and ended lower. The reported cash balance changed 82.9% from $61.37M in fiscal 2024, ending lower year over year. For a bank, the equity-to-assets relationship shows the shareholder-capital buffer supporting a balance sheet funded primarily through liabilities. For a bank, asset growth describes the changing scale of the financial balance sheet, and equity growth shows whether the shareholder-capital layer moved in the same direction.

Based on the annual report for the fiscal year ending Dec 31, 2025. Analysis generated Oct 21, 2026.