NASDAQ$BYFC

Broadway Financial Corp/DE · Q3 2021 earnings

Q3 2021 earnings · · Investor relations

Briefing

Reported a net income for the third quarter of 2021, which included the consolidated operations of CFBanc Corporation after the merger.

Broadway Financial Corporation reported a consolidated net income of $182 thousand, or $0.00 per diluted share, for the third quarter of 2021. The net income increased by $426 thousand compared to the third quarter of 2020, driven by growth in net interest income and grant and fee income, but was partially offset by additional operating expenses and data processing costs.

  • Total assets grew by $22.6 million during the third quarter to almost $1.1 billion.
  • Total loans receivable, net of allowances, increased by $27.5 million during the third quarter to $642 million.
  • Deposits increased by $44.6 million during the third quarter to $750 million.
  • The Company retired the remaining outstanding balance of its junior subordinated debentures of $2.8 million during the third quarter of 2021.

Headline financials

Total Revenue

$6.6M

Previous: $3.58M+84.2%
EPS (adj)

$0.02

Previous: -$0.08+125.5%
Capital Expenditures

-$119K

Previous: -$501K+76.2%
Free Cash Flow

$63K

Previous: -$745K+108.5%
Net Income

$182K

Previous: -$244K+174.6%
Operating Income

$3.66M

Previous: $423K+765.2%
Gross Profit

$6.24M

Previous: $3.58M+74.0%
Cash & Equivalents

$209M

Previous: $69.7M+199.3%
Total Assets

$1.06B

Previous: $499M+113.0%

Revenue & EPS history

Broadway Financial · Revenue · Quarterly

$6.6M

Q3 2021+84.2%vs Q3 2020

Revenue by segment

Broadway Financial · $25K total across 1 segment · Q4 2019

  • Service Charges on Deposits
    $25K

Forward guidance

The company is focused on integrating the merged organizations, investing in systems to improve efficiencies, growing the loan portfolio, and expanding the deposit base. They are also exploring new opportunities to enhance the scale of operations and improve the economics of the business.

Tailwinds

  • Continued integration of merged organizations.
  • Additional investments in systems to improve efficiencies.
  • Continued growth of loan portfolio.
  • Expansion of deposit base.
  • Exploring new opportunities to enhance the scale of operations and improve the economics of the business.

Headwinds

  • Uncertainty as to the duration, scope and impacts of the COVID-19 pandemic.
  • Political and economic uncertainty, including the possibility of declines in global economic conditions or the stability of credit and financial markets.
  • Changes in the monetary and fiscal policies of the U.S. Government.
  • Possible effects of changes in real estate markets and interest rates.
  • Risks related to disruption of management time due to integration activities related to the Merger.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 19 quarterly earnings reports · overlaid with Q3 2021

Historical avgQ3 2021

+1.0%

Avg return

Earnings day

+0.2%

Avg return

5 days after

-0.1%

Avg return

30 days after

34%

22 / 64 earnings

Positive

+128.2%

Q2 2012

Best reaction

-24.7%

Q3 2012

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+1.4%
Q2 2025-1.1%-1.8%-2.2%
Q1 2025+0.0%-1.4%+4.3%
Q4 2024-1.5%-3.4%-7.8%
Q3 2024+6.7%+5.4%+4.4%
Q2 2024-7.1%-6.0%+32.8%
Q1 2024-2.8%-3.6%+3.4%
Q3 2023+8.4%+7.3%+13.5%
Q4 2023+8.4%+7.3%+13.5%
Q2 2023+0.0%-1.0%-11.8%
Q1 2023+8.0%+10.3%+11.5%
Q4 2022-0.8%-1.5%-15.2%
Q3 2025-2.7%-6.4%-18.2%
Q3 2022-1.7%-4.3%-16.5%
Q2 2022+5.8%+11.7%+9.7%
Q1 2022-4.8%-2.7%+6.8%
Q4 2021-3.3%+0.7%+1.3%
Q3 2021+0.7%-4.0%-5.8%
Q2 2021-8.7%-8.1%+15.0%
Q1 2021-9.5%-12.4%+24.3%
Q4 2020+4.0%+9.5%+15.4%
Q3 2020-1.7%-6.2%-1.1%
Q2 2020+4.3%+1.1%-9.8%
Q1 2020+4.4%+0.0%+0.7%
Q4 2019-2.7%-1.3%-7.4%
Q3 2019-9.6%-1.8%-7.8%
Q2 2019-2.0%-1.5%-9.2%
Q1 2019+4.7%+5.5%+5.5%
Q4 2018+6.4%+6.4%-3.5%
Q3 2018+10.7%+13.9%+3.3%
Q2 2018+3.4%-5.4%-26.8%
Q1 2018+0.0%+0.5%-5.5%
Q4 2017+1.0%+1.4%+3.8%
Q3 2017-5.7%-6.5%-15.4%
Q2 2017-0.8%+1.6%-13.7%
Q1 2017+1.1%+6.8%+13.0%
Q4 2016+0.0%+1.7%+0.0%
Q3 2016+0.0%+0.0%+0.0%
Q2 2016-1.1%-2.2%-8.9%
Q1 2016-0.5%
Q4 2015-6.1%
Q3 2015-3.7%
Q2 2015-7.4%
Q1 2015-5.3%
Q4 2014+0.0%
Q3 2014+0.7%
Q2 2014-3.0%
Q1 2014-0.8%
Q4 2013+1.8%
Q3 2013-4.0%
Q2 2013+5.3%
Q4 2012+8.4%
Q1 2013+8.4%
Q3 2012-24.7%
Q2 2012+128.2%
Q1 2011+0.0%
Q1 2012-4.4%
Q4 2010-4.4%
Q4 2011+0.0%
Q3 2011-15.6%
Q3 2010-15.6%
Q2 2011-2.5%
Q2 2010-2.5%
Q1 2010+0.0%

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