{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-25-001960","form_type":"8-K","ticker":"BYFC","cik":"0001001171","company_name":"BROADWAY FINANCIAL CORP \\DE\\","filed_at":"2025-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:02.626736+00:00","generated_at":"2026-05-27T08:54:05.312741+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Broadway Financial Q4 net income $1.3M, down 50% YoY; EPS $0.06 vs $0.31; loans up 10%","bullets":["Q4 net income to common $550K ($0.06 diluted EPS) vs $2.6M ($0.31) YoY; full year $359K ($0.04) vs $4.5M ($0.51).","Net interest income before provision rose 11.9% to $8.0M in Q4; full year $31.8M, up 7.8%.","Gross loans grew 10% to $977.0M; deposits up 9.2% to $745.4M; borrowings down 34% to $262.1M at Dec 31, 2024.","Non-interest income fell to $560K in Q4 from $4.5M due to absence of $3.7M CDFI grant in prior year.","No charge-offs; one non-accrual loan ($264K); book value per share $14.82."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-25-001960","json":"https://secwatch.observer/filing/0001140361-25-001960.json","markdown":"https://secwatch.observer/filing/0001140361-25-001960.md","text":"https://secwatch.observer/filing/0001140361-25-001960.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1001171/000114036125001960/0001140361-25-001960-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1001171/000114036125001960/ef20042278_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T08:54:05.312741+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}