---
schema_version: "secwatch.filing_event.v1"
accession: "0001140361-25-028195"
form_type: "8-K"
ticker: "BYFC"
cik: "0001001171"
company_name: "BROADWAY FINANCIAL CORP \\DE\\"
filed_at: "2025-07-31T23:59:59+00:00"
generated_at: "2026-05-17T22:04:01.447255+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Broadway Financial Q2 2025: net income before preferred $603K, diluted loss ($0.02) per common share

## Summary
- Q2 net income before preferred dividends $603K vs $269K YoY; net loss attributable to common $147K after $750K preferred dividends.
- Net interest margin improved to 2.63% from 2.41%; cost of funds down to 3.07% from 3.19%.
- Deposits up 7.2% ($53.5M) to $798.9M YTD; borrowings reduced 64.6% ($126.3M) to $69.2M.
- Q2 non-interest expense includes $1.9M wire fraud loss from Q1 2025; recovery would result in a future gain.

## SEC filing metadata
- accession: 0001140361-25-028195
- form_type: 8-K
- ticker: BYFC
- cik: 0001001171
- company_name: BROADWAY FINANCIAL CORP \DE\
- filed_at: 2025-07-31T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1001171/000114036125028195/0001140361-25-028195-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1001171/000114036125028195/ef20053033_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001140361-25-028195
- JSON: https://secwatch.observer/filing/0001140361-25-028195.json
- Plain text: https://secwatch.observer/filing/0001140361-25-028195.txt

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