---
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"
generated_at: "2026-05-27T08:54:05.312741+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Broadway Financial Q4 net income $1.3M, down 50% YoY; EPS $0.06 vs $0.31; loans up 10%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001140361-25-001960
- JSON: https://secwatch.observer/filing/0001140361-25-001960.json
- Plain text: https://secwatch.observer/filing/0001140361-25-001960.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.