Broadway Financial Corporation Announces Results of Operations for First Quarter 2025
Broadway Financial (NASDAQ: BYFC) reported a challenging first quarter 2025, with a consolidated net loss of $451,000 ($0.05 per diluted share), compared to a loss of $164,000 ($0.02 per diluted share) in Q1 2024.
Key highlights:
- Net interest income increased 6.9% to $8.0 million
- Net interest margin improved to 2.70%, up 43 basis points
- Total deposits grew 4.2% to $776.5 million
- Borrowings reduced by 60.1% to $78.0 million
- Credit quality remained strong with non-accrual loans at 0.09% of total assets
The quarter saw increased expenses, with non-interest expense up 5.7% to $8.3 million, primarily due to higher compensation costs. The provision for credit losses rose to $689,000, mainly due to one new non-accrual loan. Despite challenges, the bank maintains strong capital ratios with a Community Bank Leverage Ratio of 15.36% and continues focusing on serving low-to-moderate income communities.
Broadway Financial (NASDAQ: BYFC) ha registrato un primo trimestre 2025 difficile, con una perdita netta consolidata di 451.000 dollari (0,05 dollari per azione diluita), rispetto a una perdita di 164.000 dollari (0,02 dollari per azione diluita) nel primo trimestre 2024.
Punti salienti:
- Reddito netto da interessi aumentato del 6,9% raggiungendo 8,0 milioni di dollari
- Margine di interesse netto migliorato al 2,70%, in crescita di 43 punti base
- Depositi totali cresciuti del 4,2% a 776,5 milioni di dollari
- Indebitamento ridotto del 60,1% a 78,0 milioni di dollari
- Qualità del credito rimasta solida con prestiti non in accantonamento allo 0,09% del totale attivo
Il trimestre ha visto un aumento delle spese, con le spese non legate agli interessi in crescita del 5,7% a 8,3 milioni di dollari, principalmente a causa di costi di compensazione più elevati. Le accantonamenti per perdite su crediti sono saliti a 689.000 dollari, principalmente per un nuovo prestito non in accantonamento. Nonostante le difficoltà, la banca mantiene solidi rapporti patrimoniali con un Community Bank Leverage Ratio del 15,36% e continua a concentrarsi sul servizio alle comunità a basso-moderato reddito.
Broadway Financial (NASDAQ: BYFC) reportó un primer trimestre de 2025 desafiante, con una pérdida neta consolidada de 451,000 dólares (0,05 dólares por acción diluida), en comparación con una pérdida de 164,000 dólares (0,02 dólares por acción diluida) en el primer trimestre de 2024.
Puntos clave:
- Ingreso neto por intereses aumentó un 6,9% hasta 8,0 millones de dólares
- Margen neto de intereses mejoró a 2,70%, aumentando 43 puntos básicos
- Depósitos totales crecieron un 4,2% hasta 776,5 millones de dólares
- Préstamos se redujeron un 60,1% hasta 78,0 millones de dólares
- Calidad crediticia se mantuvo sólida con préstamos en mora en 0,09% del total de activos
El trimestre registró mayores gastos, con gastos no relacionados con intereses aumentando un 5,7% hasta 8,3 millones de dólares, principalmente debido a mayores costos de compensación. La provisión para pérdidas crediticias aumentó a 689,000 dólares, principalmente por un nuevo préstamo en mora. A pesar de los desafíos, el banco mantiene sólidos índices de capital con un Community Bank Leverage Ratio del 15,36% y continúa enfocándose en atender a comunidades de ingresos bajos a moderados.
브로드웨이 파이낸셜 (NASDAQ: BYFC)은 2025년 1분기에 어려운 실적을 보고했으며, 희석 주당 0.05달러(총 451,000달러)의 연결 순손실을 기록했습니다. 이는 2024년 1분기 희석 주당 0.02달러(총 164,000달러)의 손실과 비교됩니다.
주요 내용:
- 순이자수익이 6.9% 증가하여 800만 달러 달성
- 순이자마진이 2.70%로 개선되어 43 베이시스 포인트 상승
- 총 예금이 4.2% 증가하여 7억 7,650만 달러
- 차입금은 60.1% 감소하여 7,800만 달러
- 신용 품질은 견고하게 유지되었으며, 비이자 발생 대출은 총 자산의 0.09%
이번 분기에는 보상 비용 증가로 인해 비이자 비용이 5.7% 증가한 830만 달러를 기록했습니다. 신용 손실 충당금은 주로 신규 비이자 발생 대출 한 건으로 인해 689,000달러로 증가했습니다. 어려움에도 불구하고 은행은 커뮤니티 뱅크 레버리지 비율 15.36%로 강력한 자본 비율을 유지하며, 저소득 및 중간 소득층 커뮤니티에 대한 서비스에 계속 집중하고 있습니다.
Broadway Financial (NASDAQ : BYFC) a annoncé un premier trimestre 2025 difficile, avec une perte nette consolidée de 451 000 dollars (0,05 dollar par action diluée), contre une perte de 164 000 dollars (0,02 dollar par action diluée) au premier trimestre 2024.
Points clés :
- Revenu net d'intérêts en hausse de 6,9 % à 8,0 millions de dollars
- Marge nette d'intérêts améliorée à 2,70 %, en hausse de 43 points de base
- Dépôts totaux en croissance de 4,2 % à 776,5 millions de dollars
- Emprunts réduits de 60,1 % à 78,0 millions de dollars
- Qualité du crédit restée solide avec des prêts non productifs à 0,09 % du total des actifs
Le trimestre a vu une augmentation des dépenses, les charges hors intérêts ayant augmenté de 5,7 % à 8,3 millions de dollars, principalement en raison de coûts de rémunération plus élevés. La provision pour pertes sur crédits a augmenté à 689 000 dollars, principalement en raison d’un nouveau prêt non productif. Malgré les défis, la banque maintient des ratios de capital solides avec un ratio de levier des banques communautaires de 15,36 % et continue de se concentrer sur le service aux communautés à revenus faibles à modérés.
Broadway Financial (NASDAQ: BYFC) meldete ein herausforderndes erstes Quartal 2025 mit einem konsolidierten Nettoverlust von 451.000 US-Dollar (0,05 US-Dollar pro verwässerter Aktie), verglichen mit einem Verlust von 164.000 US-Dollar (0,02 US-Dollar pro verwässerter Aktie) im ersten Quartal 2024.
Wichtige Highlights:
- Nettozinsertrag stieg um 6,9 % auf 8,0 Millionen US-Dollar
- Nettozinsmarge verbesserte sich auf 2,70 %, ein Anstieg um 43 Basispunkte
- Gesamteinlagen wuchsen um 4,2 % auf 776,5 Millionen US-Dollar
- Fremdfinanzierungen wurden um 60,1 % auf 78,0 Millionen US-Dollar reduziert
- Kreditqualität blieb stark mit notleidenden Krediten bei 0,09 % der Gesamtaktiva
Im Quartal stiegen die Aufwendungen, wobei die nicht zinstragenden Aufwendungen um 5,7 % auf 8,3 Millionen US-Dollar zunahmen, hauptsächlich aufgrund höherer Vergütungskosten. Die Rückstellung für Kreditverluste stieg auf 689.000 US-Dollar, hauptsächlich bedingt durch einen neuen notleidenden Kredit. Trotz der Herausforderungen hält die Bank starke Kapitalquoten mit einer Community Bank Leverage Ratio von 15,36 % und konzentriert sich weiterhin darauf, einkommensschwache bis mittlere Gemeinschaften zu bedienen.
- Net interest income increased by $521k (6.9%) to $8.0M in Q1 2025
- Net interest margin improved to 2.70% from 2.27% year-over-year
- Total deposits grew by $31.1M (4.2%) during Q1 2025
- Strong capital position with Community Bank Leverage Ratio of 15.36%
- Borrowings reduced by $117.5M (60.1%) to $78.0M
- Credit quality remains strong with low non-accrual loans (0.09% of total assets)
- Net loss of $451k in Q1 2025, worse than $164k loss in Q1 2024
- Loss per diluted share increased to ($0.14) from ($0.02) year-over-year
- Non-interest expense increased by $444k (5.7%) due to higher compensation costs
- Provision for credit losses increased to $689k from $260k due to new non-accrual loan
- Total assets decreased by $73.7M compared to December 31, 2024
- Net loans decreased by $7.0M to $961.8M
Insights
Broadway Financial's Q1 shows widened loss despite improved interest margin and deposit growth, balancing negative earnings with operational progress.
Broadway Financial Corporation's Q1 2025 results present a mixed financial picture. The company reported a consolidated net loss of
On the positive side, net interest income grew
The widened loss resulted from two main factors: an increased provision for credit losses (
Capital metrics remain robust with a Community Bank Leverage Ratio of
During the first quarter of 2025, net interest income increased by
First Quarter 2025 Highlights:
- During the first quarter of 2025, net interest income increased by
$521 thousand 6.9% , compared to the first quarter of 2024 - The net interest margin increased by 43 basis points to
2.70% for the first quarter of 2025, compared to2.27% for the first quarter of 2024. This increase was driven largely by growth in the yield on average loan balances and a reduction in cost of interest-bearing liabilities - Total deposits increased by
$31.1 million 4.2% , during the first quarter of 2025 compared to December 31, 2024 - Capital ratios remain strong with a Community Bank Leverage Ratio of
15.36% at March 31, 2025 compared to13.96% at December 31, 2024 - Credit quality remains strong with non-accrual loans to total assets at
0.09% and non-performing loans to total assets at0.07% - Borrowings were
$78.0 million $195.5 million $117.5 million 60.1%
Chief Executive Officer, Brian Argrett commented, "During the first quarter of 2025, deposits grew by
"Our results for the first quarter of 2025 were adversely affected by the provision for credit losses due to one borrower experiencing financial difficulty resulting in the loan changing to a non-accrual status. The increase in the provision is the result of the loss provision for the loan, although we are working with the borrower for a healthier resolution."
"Furthermore, our first quarter financial results were negatively impacted by our investments in people over the past twelve months to support our operational capabilities to professionally manage our business, improve our control environment, improve our efficiency, and promote our continued growth."
"We are optimistic in our ability to execute our strategic goals and mission objectives, grow and improve profitability while remaining focused on serving low-to-moderate income communities."
"I wish to thank our employees, stockholders, and depositors for their continued support to our mission. Your efforts and financial support are fundamental to our ability to expand, serve, and support our communities, customers, and broader stakeholders."
Net Interest Income
Net interest income before provision for credit losses for the first quarter of 2025 totaled
The increase resulted from a
The net interest margin increased to
Provision for Credit Losses
For the three months ended March 31, 2025, the Company recorded a provision for credit losses of
Non-interest Expense
Total non-interest expense was
Income Taxes
The Company recorded an income tax benefit of
Balance Sheet Summary
Total assets decreased by
Loans held for investment, net of the ACL, decreased by
Deposits increased by
Total borrowings decreased by
Capital
Stockholders' equity was
About Broadway Financial Corporation
Broadway Financial Corporation operates through its wholly-owned banking subsidiary, City First Bank, National Association, which is a leading mission-driven bank that serves low-to-moderate income communities within urban areas in
City First Bank offers a variety of commercial real estate loan products, services, and depository accounts that support investments in affordable housing, small businesses, and nonprofit community facilities located within low-to-moderate income neighborhoods. City First Bank is a Community Development Financial Institution, Minority Depository Institution, Certified B Corp, and a member of the Global Alliance of Banking on Values. The Bank and the City First network of nonprofits, City First Enterprises, Homes By CFE, and City First Foundation, represent the City First branded family of community development financial institutions, which offer a robust lending and deposit platform.
Contacts
Investor Relations
Zack Ibrahim, Chief Financial Officer, (202) 243-7100
Investor.relations@cityfirstbroadway.com
Cautionary Statement Regarding Forward-Looking Information
This press release includes "forward-looking statements" within the meaning of the safe harbor provisions of the United States Private Securities Litigation Reform Act of 1995. All statements other than statements of historical facts contained in this press release, including statements regarding our future results of operations or financial condition, business strategy and plans and objectives of management for future operations and capital allocation and structure, are forward-looking statements. Forward‑looking statements typically include the words "expect," "estimate," "project," "budget," "forecast," "anticipate," "intend," "plan," "may," "will," "could," "should," "believes," "predicts," "potential," "continue," "poised," "optimistic," "prospects," "ability," "looking," "forward," "invest," "grow," "improve," "deliver" and similar expressions, but the absence of such words or expressions does not mean a statement is not forward-looking. These forward‑looking statements are subject to risks and uncertainties, including those identified below, which could cause actual future results to differ materially from historical results or from those anticipated or implied by such statements. The following factors, among others, could cause future results to differ materially from historical results or from those indicated by forward‑looking statements included in this press release: (1) the level of demand for mortgage and commercial loans, which is affected by such external factors as general economic conditions, market interest rate levels, tax laws, and the demographics of our lending markets; (2) the direction and magnitude of changes in interest rates and the relationship between market interest rates and the yield on our interest‑earning assets and the cost of our interest‑bearing liabilities; (3) the rate and amount of loan losses incurred and projected to be incurred by us, increases in the amounts of our nonperforming assets, the level of our loss reserves and management's judgments regarding the collectability of loans; (4) changes in the regulation of lending and deposit operations or other regulatory actions, whether industry-wide or focused on our operations, including increases in capital requirements or directives to increase allowances for loan losses or make other changes in our business operations; (5) legislative or regulatory changes, including those that may be implemented by the current administration in
Forward-looking statements in this press release speak only as of the date they are made, and we undertake no obligation, and do not intend, to update these forward-looking statements to reflect events or circumstances occurring after the date of this press release, except to the extent required by law. You are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this press release.
The following table sets forth selected financial data and ratios as of March 31, 2025 and December 31, 2024 and for the three months ended March 31, 2025 and 2024.
BROADWAY FINANCIAL CORPORATION AND SUBSIDIARY | ||||||
Selected Financial Data and Ratios (Unaudited) | ||||||
(Dollars in thousands, except per share data) | ||||||
Selected Financial Condition Data and Ratios: | March 31, 2025 | December 31, 2024 | ||||
Book value per share | $ 14.73 | $ 14.82 | ||||
Equity to total assets | 23.27 % | 21.87 % | ||||
Asset Quality Ratios: | ||||||
Non-accrual loans to total loans | 0.09 % | 0.03 % | ||||
Non-performing assets to total assets | 0.07 % | 0.02 % | ||||
Allowance for credit losses to total gross loans | 0.90 % | 0.83 % | ||||
Allowance for credit losses to non-performing loans | 1020.23 % | 3069.32 % | ||||
Non-Performing Assets: | ||||||
| $ 860 | $ 264 | ||||
Loans delinquent 90 days or more and still accruing | - | - | ||||
Real estate acquired through foreclosure | - | - | ||||
Total non-performing assets | $ 860 | $ - | ||||
Delinquent loans 31 to 89 days delinquent | $ 4,073 | $ 269 | ||||
Delinquent loans greater than 90 days delinquent | $ 264 | $ - | ||||
Selected Operating Data and Ratios: | Three Months Ended March 31, 2025 | Three Months Ended March 31, 2024 | |||||||
Net recoveries to average assets | -%(1) | -% (1) | |||||||
Return on average assets | (0.39)%(1) | (0.05)%(1) | |||||||
Return on average equity | (1.70)%(1) | (0.23)% (1) | |||||||
Net interest margin | | | |||||||
(1) Annualized | |||||||||
The following table sets forth the consolidated statements of financial condition as of March 31, 2025 and December 31, 2024.
BROADWAY FINANCIAL CORPORATION | ||
Consolidated Statements of Financial Condition | ||
(In thousands, except share and per share amounts) | ||
March 31, 2025 | December 31, 2024 | |
(Unaudited) | ||
Assets: | ||
Cash and due from banks | $ 2,040 | $ 2,255 |
Interest-bearing deposits in other banks | 13,754 | 59,110 |
Cash and cash equivalents | 15,794 | 61,365 |
Securities available-for-sale, at fair value (amortized cost of | 185,938 | 203,862 |
Loans receivable held for investment, net of allowance of | 961,817 | 968,861 |
Accrued interest receivable | 5,624 | 5,001 |
Federal Home Loan Bank (FHLB) stock | 4,616 | 9,637 |
Federal Reserve Bank (FRB) stock | 3,543 | 3,543 |
Office properties and equipment, net | 8,812 | 8,899 |
Bank owned life insurance | 3,332 | 3,321 |
Deferred tax assets, net | 8,103 | 8,803 |
Core deposit intangible, net | 1,696 | 1,775 |
Goodwill | 25,858 | 25,858 |
Other assets | 4,880 | 2,786 |
Total assets | $ 1,230,013 | $ 1,303,711 |
Liabilities and stockholders' equity | ||
Liabilities: | ||
Deposits | $ 776,543 | $ 745,399 |
Securities sold under agreements to repurchase | 80,778 | 66,610 |
FHLB advances | 78,000 | 195,532 |
Accrued expenses and other liabilities | 8,488 | 10,794 |
Total liabilities | 943,809 | 1,018,335 |
Stockholders' equity: | ||
Non-Cumulative Redeemable Perpetual Preferred stock, Series C; authorized 150,000 shares at March 31, 2025 and December 31, 2024; issued and outstanding 150,000 shares at March 31, 2025 and December 31, 2024; liquidation value | 150,000 | 150,000 |
Common stock, Class A, March 31, 2025 and December 31, 2024; issued 6,460,272 shares at March 31, 2025 and 6,349,455 shares at December 31, 2024; outstanding 6,133,044 shares at March 31, 2025 and 6,022,227 shares at December 31, 2024 |
64 |
63 |
Common stock, Class B, March 31, 2025 and December 31, 2024; issued and outstanding 1,425,574 shares at March 31, 2025 and December 31, 2024 |
14 |
14 |
Common stock, Class C, March 31, 2025 and December 31, 2024; issued and outstanding 1,672,562 at March 31, 2025 and December 31, 2024 |
17 |
17 |
Additional paid-in capital | 143,169 | 142,902 |
Retained earnings | 11,710 | 12,911 |
Unearned Employee Stock Ownership Plan (ESOP) shares | (4,152) | (4,201) |
Accumulated other comprehensive loss, net of tax | (9,508) | (11,223) |
Treasury stock-at cost, 327,228 shares at March 31, 2025 and at December 31, 2024 | (5,326) | (5,326) |
Total Broadway Financial Corporation and Subsidiary stockholders' equity | 285,988 | 285,157 |
Non-controlling interest | 216 | 219 |
Total liabilities and stockholders' equity | $ 1,230,013 | $ 1,303,711 |
The following table sets forth the consolidated statements of operations for the three months ended March 31, 2025 and 2024.
BROADWAY FINANCIAL CORPORATION | ||
Consolidated Statements of Operations | ||
(In thousands, except share and per share amounts) | ||
Three Months Ended | ||
March 31, | ||
2025 | 2024 | |
(Unaudited) | (Unaudited) | |
Interest income: | ||
Interest and fees on loans receivable | $ 12,690 | $ 11,129 |
Interest on available-for-sale securities | 1,208 | 2,075 |
Other interest income | 476 | 1,589 |
Total interest income | 14,374 | 14,793 |
Interest expense: | ||
Interest on deposits | 4,199 | 2,799 |
Interest on borrowings | 2,130 | 4,470 |
Total interest expense | 6,329 | 7,269 |
Net interest income | 8,045 | 7,524 |
Provision for credit losses | 689 | 260 |
Net interest income after provision for credit losses | 7,356 | 7,264 |
Non-interest income: | ||
Service charges | 43 | 40 |
Grants | 25 | - |
Other | 220 | 266 |
Total non-interest income | 288 | 306 |
Non-interest expense: | ||
Compensation and benefits | 5,284 | 4,269 |
Occupancy expense | 540 | 503 |
Information services | 706 | 707 |
Professional services | 700 | 1,410 |
Advertising and promotional expense | 46 | 28 |
Supervisory costs | 193 | 177 |
Corporate insurance | 67 | 61 |
Amortization of core deposit intangible | 79 | 84 |
Other expense | 639 | 571 |
Total non-interest expense | 8,254 | 7,810 |
Income before income taxes | (610) | (240) |
Income tax expense | (156) | (57) |
Net loss | $ (454) | $ (183) |
Less: Net loss attributable to non-controlling interest | (3) | (19) |
Net loss attributable to Broadway Financial Corporation | $ (451) | $ (164) |
Less: Preferred stock dividends | (750) | - |
Net loss attributable to common stockholders | $ (1,201) | $ (164) |
Loss per common share-basic | $ (0.14) | $ (0.02) |
Loss per common share-diluted | $ (0.14) | $ (0.02) |
The following table sets forth the average balances, average yields and costs for the periods indicated. All average balances are daily average balances. The yields set forth below include the effect of deferred loan fees, and discounts and premiums that are amortized or accreted to interest income or expense.
For the Three Months Ended | ||||||||||||||||||||||
March 31, 2025 | March 31, 2024 | |||||||||||||||||||||
(Dollars in thousands) (Unaudited) | ||||||||||||||||||||||
Average Balance | Interest | Average Yield | Average Balance | Interest | Average Yield | |||||||||||||||||
Assets | ||||||||||||||||||||||
Interest-earning assets: | ||||||||||||||||||||||
Interest-earning deposits | $ | 28,958 | $ | 312 | 4.37 | % | $ | 99,103 | $ | 1,344 | 5.42 | % | ||||||||||
Securities | 196,463 | 1,208 | 2.49 | % | 305,615 | 2,075 | 2.72 | % | ||||||||||||||
Loans receivable (1) | 972,375 | 12,690 | 5.29 | % | 909,965 | 11,129 | 4.89 | % | ||||||||||||||
FRB and FHLB stock (2) | 11,188 | 164 | 5.94 | % | 13,733 | 245 | 7.14 | % | ||||||||||||||
Total interest-earning assets | 1,208,984 | $ | 14,374 | 4.82 | % | 1,328,416 | $ | 14,793 | 4.45 | % | ||||||||||||
Non-interest-earning assets | 50,381 | 52,561 | ||||||||||||||||||||
Total assets | $ | 1,259,365 | $ | 1,380,977 | ||||||||||||||||||
Liabilities and Stockholders' Equity | ||||||||||||||||||||||
Interest-bearing liabilities: | ||||||||||||||||||||||
Money market deposits | $ | 119,101 | $ | 257 | 0.88 | % | $ | 125,704 | $ | 1,444 | 4.59 | % | ||||||||||
Savings deposits | 48,712 | 68 | 0.57 | % | 59,056 | 102 | 0.69 | % | ||||||||||||||
Interest checking and other demand deposits | 255,647 | 1,911 | 3.03 | % | 227,504 | 143 | 0.25 | % | ||||||||||||||
Certificate accounts | 322,544 | 1,963 | 2.47 | % | 163,116 | 1,110 | 2.72 | % | ||||||||||||||
Total deposits | 746,004 | 4,199 | 2.28 | % | 575,380 | 2,799 | 1.95 | % | ||||||||||||||
FHLB advances | 149,135 | 1,529 | 4.16 | % | 209,299 | 2,598 | 4.97 | % | ||||||||||||||
Bank Term Funding Program borrowing | - | - | - | % | 100,000 | 1,203 | 4.81 | % | ||||||||||||||
Other borrowings | 67,170 | 601 | 3.63 | % | 77,601 | 669 | 3.45 | % | ||||||||||||||
Total borrowings | 216,305 | 2,130 | 3.99 | % | 386,900 | 4,470 | 4.62 | % | ||||||||||||||
Total interest-bearing liabilities | 962,309 | $ | 6,329 | 2.67 | % | 962,280 | $ | 7,269 | 3.02 | % | ||||||||||||
Non-interest-bearing liabilities | 10,411 | 137,035 | ||||||||||||||||||||
Stockholders' equity | 286,645 | 281,662 | ||||||||||||||||||||
Total liabilities and stockholders' equity | $ | 1,259,365 | $ | 1,380,977 | ||||||||||||||||||
Net interest rate spread (3) | $ | 8,045 | 2.15 | % | $ | 7,524 | 1.43 | % | ||||||||||||||
Net interest rate margin (4) | 2.70 | % | 2.27 | % | ||||||||||||||||||
Ratio of interest-earning assets to interest-bearing liabilities | 125.63 | % | 138.05 | % | ||||||||||||||||||
(1) Amount includes non-accrual loans. (2) FHLB is Federal Home Loan Bank. |
(3) Net interest rate spread represents the difference between the yield on average interest-earning assets and the cost of average interest-bearing liabilities. |
(4) Net interest rate margin represents net interest income as a percentage of average interest-earning assets. |
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SOURCE Broadway Financial Corporation
FAQ
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