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BYFC vs OPHC

BYFC
Broadway Financial Corporation
BEARISH
Price
$7.33
Market Cap
$68.2M
Sector
Financial Services
AI Confidence
60%
OPHC
OptimumBank Holdings, Inc.
BULLISH
Price
$5.46
Market Cap
$66.4M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
BYFC
--
OPHC
9.25
Forward P/E
BYFC
--
OPHC
5.81
P/B Ratio
BYFC
0.58
OPHC
0.52
P/S Ratio
BYFC
2.1
OPHC
1.4
EV/EBITDA
BYFC
--
OPHC
--

Profitability

Gross Margin
BYFC
0.0%
OPHC
0.0%
Operating Margin
BYFC
33.23%
OPHC
50.14%
Profit Margin
BYFC
-75.63%
OPHC
35.18%
ROE
BYFC
-8.94%
OPHC
14.79%
ROA
BYFC
-1.81%
OPHC
1.63%

Growth

Revenue Growth
BYFC
0.3%
OPHC
36.2%
Earnings Growth
BYFC
--
OPHC
19.9%

Financial Health

Debt/Equity
BYFC
--
OPHC
--
Current Ratio
BYFC
--
OPHC
--
Quick Ratio
BYFC
--
OPHC
--

Dividends

Dividend Yield
BYFC
--
OPHC
--
Payout Ratio
BYFC
0.0%
OPHC
0.0%

AI Verdict

BYFC BEARISH

BYFC shows bearish fundamentals based on deterministic rules. Financial strength is weak (F-Score 1/9). Concerns include weak profitability or high valuation.

Strengths
Company has established market presence
Risks
Low profit margin of -75.6%
Weak financial trend (Piotroski F-Score: 1/9)
Weak ROE of -8.9%
OPHC BULLISH

OPHC presents as a classic deep-value play, characterized by a stable Piotroski F-Score of 4/9 and a current price ($5.46) that trades at a massive discount to both its Graham Number ($11.84) and Intrinsic Value ($17.4). The company exhibits strong fundamental efficiency with an ROE of 14.79% and a Price-to-Book ratio of 0.52, suggesting the market is significantly undervaluing its assets. However, this value is tempered by a bearish technical trend and recent insider selling. The primary concern is the divergence between strong revenue growth (36.2%) and a sharp decline in YoY EPS growth (-37.5%), indicating potential margin compression or rising operational costs.

Strengths
Extreme undervaluation relative to book value (P/B 0.52)
Strong ROE of 14.79% indicating efficient capital use
Significant margin of safety with Graham Number at $11.84
Risks
Sharp decline in YoY EPS growth (-37.5%)
Bearish insider sentiment with recent officer and director sales
Very weak technical trend (10/100) indicating lack of market momentum

Compare Another Pair

BYFC vs OPHC: Head-to-Head Comparison

This page compares Broadway Financial Corporation (BYFC) and OptimumBank Holdings, Inc. (OPHC) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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