BYFC Broadway Financial Corp/Del

XNAS
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Stock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership. Iron condor setups Fibonacci levels Insider trading

Market data may be delayed, incomplete, or inaccurate. Not a recommendation to buy, sell, or hold any security. Verify quotes with your broker before trading. See Terms §17.

BYFC — —
Key stats
Fair Value
MODEL: LONG

A blended fair-value estimate combining up to six valuation methods. Each method is weighted by how well it fits the company — DCF down-weights for unprofitable names; DDM only fires for steady dividend payers; comparables down-weight when peer multiples disagree.

  • DCF (quality-aware) — projects free cash flow with a horizon that scales to business quality. True compounders (quality 6/6) get 10 years explicit + 10 years fade before terminal; cyclical/struggling names (quality 0-1) get a 5-year terminal cliff. Quality is scored from ROE, gross margin, growth, FCF margin, debt load, and FCF consistency — the same factors that drive market premium for compounders.
  • Market-Implied Growth (in Model Inputs) — reverse-DCF that answers "what growth rate is the market pricing in?". Lets you sanity-check the deviation: if implied growth is plausible for the business, the model's bearish flag may be wrong; if implausible, the market may be over-extrapolating.
  • DDM (Gordon Growth Dividend Model) — values the stream of future dividends. Only used when trailing yield ≥ 2% and dividend payments are stable — below that the dividend is a token payout and Gordon (which values only the dividend stream) systematically underprices growth names, so those route to DCF + comparables + market anchor instead.
  • P/E, EV/EBITDA, P/B, P/S — applies the peer-group median multiple to this company's per-share metric. Peers come from the same set as the "Related symbols" card. Earnings/sales metrics are forward-tilted by the company's recent revenue growth (capped at 25%) so they're comparable to peers' growth-embedded multiples — mimics how analysts use NTM rather than TTM. Per-multiple weights are biased by company quality (e.g. P/B down-weighted for asset-light tech).
  • Market Anchor (SMA50) — the 50-day moving average, weighted by recent trading-range stability (tighter Bollinger bands → higher weight). Captures information fundamentals miss (forward consensus, sentiment, supply/demand) — but only when recent trading is steady enough that the market has converged on a view. During wild breakouts or breakdowns the anchor's weight collapses.
  • Options Expected (B-L 30d) — the risk-neutral expected stock price at 30-day options expiration, derived from the full implied-volatility surface via Breeden-Litzenberger (second derivative of call price wrt strike → implied PDF, then E[S_T]). Forward-looking, captures all options-implied information (smile, skew, term structure) in one number. Weighted by chain liquidity. SP500-only at present (pre-computed daily). Backtest evidence: adds modest alpha across most bucket × holding combos.
  • Blended value — weighted average. Confidence reflects how many methods fired and how tight peer dispersion is.
  • Deviation pill — green when blended FV ≥ 10% above current price (undervalued); red when ≥ 10% below; grey otherwise.
10-yr Treasury (rf)5.15%
Beta vs SPY0.85
Cost of Equity (CAPM)9.38%
WACC9.40%
Effective Tax Rate21.0%
Rev. Growth (YoY, DCF input)+13.9%
DCF Horizon10 years explicit + fade
Forward Tilt (NTM/TTM)×1.10 (applied to P/E, EV/EBITDA, P/S)
Free Cash Flow (TTM)$0.0B
Return on Equity (TTM)-9.0%
Book / Price266.5% — banking bias active (P/B is primary)
Gross Margin (TTM)55.9%
FCF Margin (TTM)9.6%
Debt / Equity0.00
Quality Score2/6 — normal (10y DCF)
Market-Implied Growth+3.4% (reverse-DCF on current price)
SMA 50$11.73 (Market Anchor value)
SMA 20 / Bollinger Mid$11.62
Bollinger Width / SMA2067.7% (drives anchor stability)
Net Debt$-0.0B
Market Cap$0B
Peers used for multiples: AX, BKU, CFFN, CLBK, EBC, HTB, KRNY, NFBK, PFS, TFSL (SIC-code peers; ETF co-membership was sector-incoherent)
60-Day Conviction
60%
20-Day Fair Value
≈ by Nov 20, 2026
ACTIVE
$11.34
α +0.2% rank 96%
conviction
14%
40-Day Fair Value
≈ by Dec 21, 2026
ACTIVE
$11.48
α +1.5% rank 97%
conviction
47%
60-Day Fair Value
≈ by Jan 19, 2027
$11.52
α +1.8% rank 94%
conviction
60%
MethodImplied PriceWeightDetail
DCF $20.59 57%
DDM (Gordon) n/a 0%
Peer P/E n/a 0% median 12.6× · 10 peers
Peer EV/EBITDA $15.30 9% median 18.1× · 10 peers
Peer P/B $30.31 26% median 1.0× · 10 peers
Peer P/S $18.81 9% median 2.3× · 10 peers
Market Anchor (SMA50) $11.73 0% stability 0% (BB-width)
Options Expected (B-L 30d) n/a 0%
As of 2026-10-22 · updated
About
Industry (SIC)
SAVINGS INSTITUTION, FEDERALLY CHARTERED (6035) · industry map
Exchange
XNAS
Market Cap
$0.1B
Employees
98
List Date
1996-01-09
CIK
0001001171
Headquarters
Los Angeles, CA
Homepage
https://www.cityfirstbank.com

Broadway Financial Corp is active in the financial services domain. It is a savings and loan holding company in the United States. The 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.

Summary
—
composite
—
No summary data available for this symbol yet.

Each spoke is this symbol's rank within its sector (0–100; the dotted ring marks the sector median at 50). Higher is more constructive for a long. One spoke — News sentiment — is an absolute reading, not a sector rank. Grayed spokes have no data. A fuller shape is a summary, not a recommendation.

Chart
Seasonality
'21'22'23'24'25'26Avg
Jan5.73%-19.15%27.45%-10.69%12.95%7.49%3.96%
Feb-7.08%-10.16%-2.24%-6.49%0.53%-7.57%-5.50%
Mar23.88%-1.24%-19.23%-2.82%-3.24%-7.52%-1.70%
Apr-9.48%-8.23%-16.80%-14.48%-7.28%8.90%-7.90%
May13.15%19.05%4.38%-3.48%-1.56%18.24%8.30%
Jun5.08%-36.90%2.11%4.05%14.17%0.73%-1.79%
Jul9.23%-7.33%6.03%-9.65%13.43%3.91%2.60%
Aug24.41%12.85%-11.75%46.35%-1.16%13.36%14.01%
Sep-12.17%1.80%9.58%-13.21%-6.32%0.25%-3.35%
Oct-11.31%-7.38%-18.60%8.83%-13.51%-1.91%*-7.31%
Nov-10.20%-17.17%14.92%1.00%-2.19%---2.73%
Dec-12.50%8.01%-9.39%-2.97%17.46%--0.12%
Total8.95%-56.38%-22.44%-14.68%19.49%38.04%-4.50%
Technical Indicators

Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.

Trend Indicators
  • SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
  • EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
  • MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
  • ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
  • +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
Momentum Oscillators
  • RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
  • Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
  • Williams %R — inverted scale: <−80 oversold, >−20 overbought.

Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.

Volume & Volatility
  • Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
  • OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
  • Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
  • ATR / True Range — average daily $ move; sizing and stop-loss reference.
  • HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.

Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →

Trend Indicators

SMA 20: $11.62
SMA 50: $11.73
SMA 200: $9.36
Current: $11.31
EMA 12: $11.48
EMA 26: $11.58
MACD: -0.0953 | Signal: -0.0494
BEARISH
ADX (14): 23.65
WEAK TREND
+DI: 24.58
−DI: 31.97

Momentum Oscillators

RSI (14): 42.33
NEUTRAL
Stoch %K: 28.82
Stoch %D: 25.87
Williams %R: -66.87

Volume & Volatility

BB Upper: $12.08
BB Lower: $11.16
NEUTRAL
OBV: 248,210
Vol SMA 20: 2,468
Vol ROC: -13.49%
ATR: $0.24
True Range: $0.06
HV 20: 24.3%
HV 30: 21.4%
HV 60: 26.7%

Data Summary

Data Points: 500
Last Updated:
Date Range: 2024-08-21T00:00:00 – 2026-10-21T00:00:00
AI Analysis

Here is my comprehensive stock analysis report for BYFC:

Executive Summary

Overall Assessment: NEUTRAL (confidence level 6/10) Key Drivers and Primary Risks: + Technical indicators suggest a neutral trend, with the stock trading near its long-term average. + Recent news headlines have been negative, which may impact sentiment. + Low volatility suggests the stock is less likely to experience significant price movements.

2-3 sentence Investment Thesis: BYFC's technical and fundamental data are mixed, making it challenging to establish a clear bullish or bearish thesis. The recent news headlines suggest caution, but the low volatility and neutral trend indicators may indicate potential mean reversion opportunities.

Recent News Sentiment Impact: The negative sentiment from the Nasdaq notification regarding late filing of Form 10-Q has likely impacted investor confidence, potentially leading to increased risk aversion and reduced price movement.

Technical Analysis

Trend Direction: + Short-term (1-4 weeks): NEUTRAL + Medium-term (1-3 months): BEARISH + Long-term (3-12 months): NEUTRAL

Support/Resistance Levels: $8.45, $9.59, and $10.64 based on SMA and EMA levels.

Momentum Signals: + RSI interpretation: Neutral at 58.58 + MACD signal: Bullish with a histogram of 0.42 + Bollinger Bands position: Neutral with the stock trading near the middle band

News & Sentiment Analysis

Recent Headlines Summary: Recent news headlines have been negative, including Nasdaq notifications regarding late filing of Form 10-Q.

Sentiment Assessment: Negative sentiment from recent headlines may impact investor confidence and influence price movement.

Catalyst Identification: No significant upcoming events or earnings releases scheduled.

Risk & Volatility Assessment

Beta Interpretation: Low beta (0.14) suggests the stock is less volatile than the market.

Volatility Regime: Historical volatility levels are relatively low, indicating a lower risk environment.

Options Market Signals: + IV rank: 0.0% (Low) + Put/call ratios: Neutral sentiment + Unusual activity: None

Market Context & Positioning

Sector Performance: BYFC is underperforming its sector and market.

Institutional Activity: No significant institutional buying or selling activity observed.

Correlation Analysis: Low correlation (0.04) suggests the stock may experience independent price movements.

Relative Valuation: The stock's relative valuation is neutral, trading near its long-term average.

Key Levels & Action Items

Critical Price Levels: Support at $8.45 and resistance at $10.64 based on SMA and EMA levels.

Breakout/Breakdown Levels: None observed.

Time-Sensitive Catalysts: No significant upcoming events or earnings releases scheduled.

Risk Management: Consider using stop-loss levels near the 200-day SMA ($7.64) to limit potential losses.

Please note that this report is based on the provided data, and additional information may be necessary for a more comprehensive analysis.

Generated
Earnings History
2 of 2 under expected move
Avg Expected Move
162.89%
Avg Actual Move
1.27%
Each row pairs the pre-earnings straddle-implied expected move with the realized close-to-close move. Sorted oldest first.
Earnings Date Timing Expected Move Actual Move Ratio Outcome
2023-05-05 unknown 162.89% 2.43% 0.01x Within
2026-07-30 unknown — 0.10% — Within

Earnings calendar: this week’s reports with expected vs actual moves →

BYFC Options Activity & IV Rank

Volatility Metrics

Current IV: —
7-DTE IV: —
Expected Move: —
7-DTE Move: —
Days to Exp: — (Unknown)

Options Flow

Call Volume: —
Put Volume: —
P/C Volume: —
Call OI: —
Put OI: —
P/C OI: —
Total OI: —

ATM Options Pricing

ATM Call: —
ATM Put: —
Call %: —
Put %: —

Chain Summary

Chain Volume: 0
Chain OI: 0
Last Updated: 4/19/2024
Spread Scanner GPU
Full Algorithm Docs ↗

Each spread is ranked by a composite score built in three stages. Full documentation →

Stage 1 — Base Score (GPU scanner)

score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.

Stage 2 — Skew Adjustment (±25% cap)

RR and BF (30-delta) from the persisted per-symbol skew snapshot — wing strikes picked by real greeks.delta, not a moneyness proxy. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.

Stage 3 — Technical Overlay (±50% cap, 5 groups)
Group 1 · Directional Bias (±0.25)
  • RSI <40 bullish / >60 bearish
  • MACD crossover + histogram trend
  • Price vs SMA 50 & SMA 200
Group 2 · Momentum (±0.10)
  • Stochastic %K <20 / >80
  • Williams %R <−80 / >−20
Group 3 · Volatility (up to −0.25 / +0.15)
  • Blended ATR + straddle expected-move penalty
  • Bollinger Band signal (+ counter-trend penalty)
  • BB width — vol contraction boost for ICs
Group 4 · IV Regime (±0.15)
  • IV rank ≥ 75 → strong boost for credit spreads
  • IV rank < 25 → penalty (selling cheap vol)
Group 5 · Liquidity (penalty up to −0.10)
  • Min open interest across all legs
  • OI < 100 → −0.10 · OI < 500 → −0.05

score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →

Enter a ticker to scan for optimal spread opportunities.

Evaluates all bull put, bear call, iron condor, and calendar spread combinations using GPU-accelerated analysis.

Skew (Wing IV − ATM IV)
DTE:
Wing Δ:
Metric:
Wing vs ATM
IV(put wing) − IV(ATM), in vol points

How much the OTM put trades above (or below) the at-the-money strike. Measures the height of the put-side tail relative to ATM — i.e. how expensive crash insurance is on this name.

  • Positive (typical) — wing IV > ATM IV. Standard equity put skew: portfolios bid up crash protection, so OTM puts trade richer than ATM.
  • Near zero or negative (unusual) — wing IV ≤ ATM IV. Flat or inverted put side. Common when there's no fear demand, in tightly mean-reverting names, or right after an earnings catalyst clears.
  • Percentile vs own 3-yr history: high = wings rich (good time to sell wing premium); low = wings cheap (good time to buy protection).
  • Not directional — high or low wings don't predict up or down moves. It's a price tag on tail insurance, not a forecast.
Risk Reversal
IV(call wing) − IV(put wing), equal delta on each side

Which side of the smile is the market paying up for? Measures the tilt of the surface — call skew vs put skew at matched deltas.

  • Negative (typical) — puts richer than calls. Standard equity behavior: hedging demand makes puts carry a premium. Most large-caps sit in the −1 to −5 vol-point range.
  • Strongly negative (< −5 pts) — heavy downside hedging, elevated fear, or an upcoming catalyst (earnings, FDA, macro event). Worth flagging.
  • Positive — calls richer than puts. Unusual for equities; signals bullish momentum, short-squeeze positioning, or takeover/M&A speculation.
  • Near zero — symmetric surface. Market sees roughly equal up/down risk. Rare for large-caps; more common in commodities and FX.
Reading them together

Wing-vs-ATM tells you how expensive the tails are. Risk Reversal tells you which side is favored. Combined:

  • High wing percentile + deeply negative RR → strong put bid; stress or major event priced in. Owning protection costs a premium; selling put premium is dangerous.
  • Low wing percentile + near-zero RR → complacency; insurance cheap and balanced. Good environment to add cheap downside hedges.
  • Positive RR + elevated wings → call-side fear-of-missing-out; common in squeeze setups. Upside calls expensive, downside puts not bid.
14 DTE / 10d —
— pts EXTREME
ATM — / Wing —
30 DTE / 10d —
— pts EXTREME
ATM — / Wing —

Percentile is the rank of today's reading within ~3 years of this symbol's own history. High percentile = wings are rich relative to history; not a directional signal. Skew is read off the chain in real time, not from CBOE SKEW.

Volatility Surface

Enter a ticker to render the implied volatility surface.

Volatility Smile

Enter a ticker to render the implied volatility smile.

IV Rank (7 DTE)
IV Rank (30 DTE)
Straddle Price (30 DTE)
Beta Analysis

Risk Metrics

Beta: 0.1962
Alpha: 63.77%
Correlation: 0.0574
R-Squared: 0.3%
Stock Volatility: 43.5%
Market Volatility: 12.7%

Analysis Details

Benchmark: SPY
Data Points: 225
Period: 252 trading days
Interpretation:
Low volatility - stock moves less than market
Beta & Alpha Over Time
Notable investors who own BYFC
2 of 37 tracked investors
InvestorValueShare of their portfolioRankQ/Q sharesSource
Renaissance Technologies Hedge fund
Jim Simons
$140K
0.00%
#2939 of 3138+1.4%13F
Millennium Management Hedge fund
Izzy Englander
$116K
0.00%
#3593 of 3716-21.4%13F

Hedge funds, activists, holding companies and family offices we track, from their latest 13F (quarter-end value) and Form 4 filings in the last 3 years. Family offices · all institutions

BYFC Institutional Ownership (13F)

Latest filings — 2026-06-30
Diluted shares outstanding: 8,709,404 (as of 2026-03-31)

Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.

  • Shares — long equity positions in this name, aggregated across share classes.
  • Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
  • % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
  • Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.

Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.

18 filers1,930,760 shares$17.87M value22.17% of float
# Filer Shares Value % of Total % of Float Period
1 M3F, Inc. 547,529 $5.29M 29.59% 6.29% 2026-06-30
2 Vanguard Capital Management LLC 313,765 $3.03M 16.96% 3.60% 2026-06-30
3 Bank of America Corp Custodian 266,492 $2.57M 14.40% 3.06% 2026-06-30
4 Vanguard Group Inc Custodian 344,245 $2.55M 14.25% 3.95% 2025-12-31
5 GRACE & WHITE INC /NY 175,965 $1.70M 9.51% 2.02% 2026-06-30
6 US BANCORP \DE\ Custodian 70,458 $680.62K 3.81% 0.81% 2026-06-30
7 Geode Capital Management, LLC Custodian 70,024 $676.58K 3.79% 0.80% 2026-06-30
8 WITTENBERG INVESTMENT MANAGEMENT, INC. 56,156 $542.47K 3.04% 0.64% 2026-06-30
9 Vanguard Fiduciary Trust Co 30,480 $294.44K 1.65% 0.35% 2026-06-30
10 BlackRock, Inc. Custodian 15,944 $154.02K 0.86% 0.18% 2026-06-30
11 RENAISSANCE TECHNOLOGIES LLC 14,470 $139.78K 0.78% 0.17% 2026-06-30
12 Millennium Management LLC Custodian 11,979 $115.72K 0.65% 0.14% 2026-06-30
13 Dimensional Fund Advisors LP Custodian 11,418 $110.30K 0.62% 0.13% 2026-06-30
14 OSAIC HOLDINGS, INC. Custodian 1,760 $17.00K 0.10% 0.02% 2026-06-30
15 Morgan Stanley Custodian 32 $309 <0.01% <0.01% 2026-06-30
16 Tower Research Capital LLC (TRC) Custodian 25 $242 <0.01% <0.01% 2026-06-30
17 GROUP ONE TRADING LLC Custodian 12 $116 <0.01% <0.01% 2026-06-30
18 Barclays PLC Custodian 6 $58 <0.01% <0.01% 2026-06-30
# Filer Notional Value % of Total Period
# Filer Notional Value % of Total Period

BYFC Insider Trading (Form 4)

Latest: 2026-07-31
Form 4 filings — insider beneficial-ownership changes by officers, directors, and 10%+ holders. Filed within 2 business days of transaction.
Filed Reporter Role Action Shares Avg Price Net $ Link
2026-07-31 Tina Carew EVP, CLO & Corporate Secretary Award (A) +4,921 $10.16 $50.0K EDGAR
2026-07-30 Tina Carew EVP, CLO & Corporate Secretary Award (A) +4,921 $10.16 $50.0K EDGAR
2026-05-27 Wayne-Kent A. Bradshaw Director Sell (S) −1,400 $9.57 -$13.4K EDGAR
2026-05-27 Wayne-Kent A. Bradshaw Director Sell (S) −8,600 $9.42 -$81.0K EDGAR
2026-05-14 John Driver Director Sell (S) −6,500 $9.36 -$60.8K EDGAR
2026-03-06 John Driver Director Award (A) +2,675 $7.85 $21.0K EDGAR
2026-03-05 Mary Ann Donovan Director Award (A) +2,675 $7.85 $21.0K EDGAR
2026-03-04 Robert C Davidson Jr Director Award (A) +2,675 $7.85 $21.0K EDGAR
2026-03-04 Wayne-Kent A. Bradshaw Director Award (A) +2,675 $7.85 $21.0K EDGAR
2026-03-04 Brian E Argrett President/CEO Award (A) +23,793 $7.85 $186.8K EDGAR
2026-03-04 Zack Ibrahim EVP/Chief Financial Officer Award (A) +11,521 $7.85 $90.4K EDGAR
2026-03-04 Dutch C. Ross III Director Award (A) +2,675 $7.85 $21.0K EDGAR
2026-03-04 Mary Hentges Director Award (A) +2,675 $7.85 $21.0K EDGAR
2026-03-04 David J. McGrady Director Award (A) +2,675 $7.85 $21.0K EDGAR
2026-03-04 Marie C Johns Director Award (A) +2,675 $7.85 $21.0K EDGAR
Codes: P = open-market purchase · S = open-market sale · A = grant/award · M = option exercise · F = tax withholding at vest · G = bona-fide gift · D = disposition to issuer · J = other (described in filing footnote — typically 401(k), trust, inheritance) · W = will/inheritance. Only P / S codes carry directional signal.

BYFC Insider Holdings

19 insiders · @ $11.31
Officers, directors, and 10%+ owners who have filed a Form 4 in the past two years, ranked by current disclosed exposure (shares × today's price). Shares are direct + indirect (via trusts / LLCs / spouse). Excludes unvested RSU and option grants — those aren't beneficially owned until vest.
# Insider Role Shares Disclosed Exposure Lifetime OM Net Filings Last Filed
1 Brian E Argrett President/CEO 125,752 $1.42M $0 8 2026-03-04
2 Zack Ibrahim EVP/Chief Financial Officer 51,267 $580.1K $0 2 2026-03-04
3 Wayne-Kent A. Bradshaw Director 36,865 $417.1K -$72.9K 17 2026-05-27
4 Ruth McCloud EVP/COO 29,108 $329.4K $0 7 2025-03-26
5 Sonja Sanders Wells EVP/E. Commercial Reg. Exec 27,622 $312.5K $0 4 2025-03-26
6 LaShanya Demetrice Washington EVP, Chief Credit Officer 22,300 $252.3K $0 4 2026-03-04
7 John Anthony Allen EVP, Chief Banking Officer 16,016 $181.2K $0 2 2026-03-04
8 William A Longbrake Director 15,048 $170.3K $11.3K 10 2025-03-26
9 Dutch C. Ross III Director 14,062 $159.1K $0 10 2026-03-04
10 Robert C Davidson Jr Director 11,171 $126.4K $656 37 2026-03-04
Lifetime OM Net = signed sum of open-market buys (P) and sells (S) over their career; excludes grants, tax withholdings, and dispositions to issuer. A large negative number is normal for long-tenured executives — they've sold compensation grants over many years.

BYFC Board & Officers

As of SEC filings through Aug 3, 2026

Directors 9

Officers 7

Changes in the last 10 years (32)
Jul 22, 2026Brian Francis Wagner became EVP, Chief HR Officer
Jun 17, 2026Tina Carew became EVP, CLO & Corporate Secretary
Oct 14, 2025William Justin Jennings became EVP, Chief Deposit Officer
Jun 2, 2025The company announced the departure of William A Longbrake from the board in an SEC filing
Mar 5, 2025Mary Hentges became a director
Jan 17, 2025John Anthony Allen became EVP, Chief Banking Officer
Jan 15, 2025The company announced the departure of Ruth McCloud as Evp/coo in an SEC filing
May 15, 2024Zack Ibrahim became EVP, Chief Financial Officer
May 15, 2024Elizabeth Farrelly Sur became EVP, Chief Risk Officer
Mar 28, 2024John Frederick Tellenbach listed as EVP, W. Commercial Reg. Exec. (previously EVP, West Comm. Reg. Exec.) in SEC filings
Sep 20, 2023The company announced the departure of Brenda J Battey as EVP/Chief Financial Officer in an SEC filing
Jun 23, 2023Thomas Andrew Nida first listed as EVP, Market Executive in an SEC filing
Jun 23, 2023Sonja Sanders Wells listed as EVP/E. Commercial Reg. Exec (previously EVP/Commercial Lending) in SEC filings
Jun 23, 2023Brian E Argrett first listed as a director in an SEC filing
Mar 15, 2023LaShanya Demetrice Washington became EVP, Chief Credit Officer
Mar 15, 2023John Frederick Tellenbach became EVP, West Comm. Reg. Exec.
May 13, 2022John Driver became a director
Mar 18, 2022Ruth McCloud listed as Evp/coo (previously Svp/crbo) in SEC filings
Feb 18, 2022Wayne-Kent A. Bradshaw no longer listed as President/CEO in SEC filings
Aug 24, 2021Brian E Argrett no longer listed as a director in SEC filings
Not reported recently (12)
  • Sonja Sanders Wells · Last reported as EVP/E. Commercial Reg. Exec in an SEC filing dated Mar 26, 2025
  • John Frederick Tellenbach · Last reported as EVP, W. Commercial Reg. Exec. in an SEC filing dated Mar 26, 2025
  • Elizabeth Farrelly Sur · Last reported as EVP, Chief Risk Officer in an SEC filing dated Mar 26, 2025
  • Thomas Andrew Nida · Last reported as EVP, Market Executive in an SEC filing dated Jun 23, 2023
  • Shannan Alicia Herbert · Last reported as EVP/Chief Credit Officer in an SEC filing dated Mar 18, 2022
  • City First Enterprises Inc. · Last reported as a 10% owner in an SEC filing dated Aug 19, 2021
  • Daniel A Medina · Last reported as a director in an SEC filing dated Feb 26, 2021
  • Erin Selleck · Last reported as a director in an SEC filing dated Feb 26, 2021
  • Jack T Thompson · Last reported as a director in an SEC filing dated Feb 26, 2021
  • Norman E Bellefeuille · Last reported as SVP/Chief Lending Officer in an SEC filing dated Feb 28, 2020
  • Albert O Maddox · Last reported as a director in an SEC filing dated Jan 28, 2019
  • Kellogg Chan · Last reported as a director in an SEC filing dated Apr 27, 2017
Compiled from SEC filings by the company and its directors and officers. Dates are as stated in those filings. Where no filing says when someone left, we show the last filing that listed them.

BYFC Proposed Insider Sales (Form 144)

Latest: 2026-05-26
Last 30d: 0 filings  ·  Last 90d: 0 filings

What is Form 144? A notice of intent to sell restricted or control stock under Rule 144. Affiliates (officers, directors, 10%+ owners) and holders of restricted shares must file Form 144 when planning to sell more than 5,000 shares or $50,000 in any 3-month rolling window.

How it relates to Form 4: Form 144 is filed before the trade (up to 90 days in advance); Form 4 is filed within 2 business days after the trade executes. Not every Form 144 results in a sale — the filer may cancel or delay. Look for the corresponding Form 4 on the Insider Activity card to confirm a sale actually happened.

10b5-1 plans: Trades made under a pre-scheduled Rule 10b5-1 plan are not discretionary — they execute automatically on dates set months earlier, regardless of news. High 10b5-1 percentages mean less per-filing signal value, though cumulative selling volume still matters.

"Notice value": Aggregate market value the filer wrote into the Form 144 — i.e. the size of the planned sale, not necessarily the executed dollars. An amended notice (Form 144/A) replaces the original it amends, and cancelled notices are dropped, so neither is double-counted above. A filed value that is clearly inconsistent with the share count at the stock's price (a filer typo) shows as a dash and is left out of the totals.

Source & freshness: Sourced from public Form 144 filings. Refreshed daily; new filings typically appear here the morning after they are filed.

Filed Filer Role Shares Notice Value Planned Sale Broker Plan Link
2026-05-26 Bradshaw Wayne-Kent A. Director 8,600 $80.4K 2026-05-26 Wells Fargo Clearing Services — EDGAR
Notice value is the aggregate market value the filer states they intend to sell — not a confirmed transaction. Compare to Insider Activity (Form 4) to see which planned sales actually executed. Market-wide feed: Planned sales (Form 144).
ETF Holders
9 ETFs hold BYFC
9 shown · $4.07M total exposure · 0.00% AUM-weighted avg weight
# ETF Provider Weight $ Exposure ETF AUM As Of
1 VTI Vanguard Morningstar Total Stock Market ETF Vanguard 0.00% $3.0M — 2026-09-30
2 VXF Vanguard Extended Market ETF Vanguard 0.00% $637,400 — 2026-09-30
3 ONEQ Fidelity Nasdaq Composite Index ETF Fidelity 0.00% $200,203 $11.0B 2026-10-21
4 IWC iShares Micro-Cap ETF iShares (BlackRock) 0.01% $153,204 $1.2B 2026-10-21
5 DCOR Dimensional US Core Equity 1 ETF Dimensional 0.00% $23,725 — 2026-10-21
6 DFAC Dimensional US Core Equity 2 ETF Dimensional 0.00% $18,996 — 2026-10-21
7 DFSU Dimensional US Sustainability Core 1 ETF Dimensional 0.00% $18,534 $2.4B 2026-10-21
8 DFAT Dimensional US Targeted Value ETF Dimensional 0.00% $10,145 — 2026-10-21
9 DXUV Dimensional US Vector Equity ETF Dimensional 0.00% $2,398 — 2026-10-21
Fundamentals

Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.

Metrics
  • Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
  • Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
  • Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
  • Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
How to read the bars
  • Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
  • YoY growth — compare to the same quarter a year earlier to remove seasonality.
  • Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
  • Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.

TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.

Trailing P/E
—
TTM Diluted EPS
$-2.77
TTM Revenue
$64.74M
TTM Net Income
$-23.96M
TTM Op. Cash Flow
$5.71M
Quarterly figures (12 quarters)
QuarterPeriod EndRevenueNet IncomeDiluted EPSOp. Cash Flow
Q1 '262026-03-31$16.80M$399.00K$0.05$1.13M
Q4 '252025-12-31$16.98M$275.00K$0.04$-2.26M
Q3 '252025-09-30$16.21M$-24.63M$-2.86$3.82M
Q2 '252025-06-30$14.75M$2.00K—$3.01M
Q1 '252025-03-31$15.09M$-3.38M$-0.39$-4.35M
Q4 '242024-12-31$16.77M$553.00K$0.06$-2.84M
Q3 '242024-09-30$17.02M$-234.00K$-0.03$6.12M
Q2 '242024-06-30$16.20M$185.00K$0.02$9.78M
Q1 '242024-03-31$15.51M$-154.00K$-0.02$-11.66M
Q4 '232023-12-31$17.09M$2.61M$0.30$3.57M
Q3 '232023-09-30$12.26M$91.00K$0.01$1.89M
Q2 '232023-06-30$11.90M$243.00K$0.03$-1.67M
Q1 2026 • period ending 2026-03-31 • filed 2026-05-15
Valuation

Ratios derived from TTM financials and the current market price, sampled daily. History chart shows how expensive the stock is today relative to its own recent past.

Price Multiples
  • P/E — price / TTM earnings. Rough market rule: 10–15 value, 15–25 market, >30 growth/premium. Negative when earnings are negative.
  • P/B — price / book value. Useful for financials and asset-heavy names; meaningless for asset-light software.
  • P/S — price / TTM revenue. Useful when earnings are negative or noisy (early-stage growth).
  • EV/EBITDA — capital-structure-neutral. <10 cheap, 10–15 reasonable, >20 rich. Good for comparing across leverage profiles.
  • EV/Sales — like P/S but accounts for debt + cash. Compare within sector.
Profitability & Yields
  • ROE — return on equity. >15% strong, >25% exceptional. Caution: high leverage inflates ROE.
  • ROA — return on assets. Leverage-neutral; >5% solid, >10% exceptional.
  • Div Yield — annual dividend / price. Compare to 10Y Treasury; sustained yield >6% often signals distress.
  • FCF Yield — free cash flow / market cap. >5% is attractive; negative means burning cash.
Balance Sheet
  • Debt/Equity — leverage. <1 conservative, >2 aggressive. Sector-dependent (utilities naturally high, tech low).
  • Current Ratio — short-term liquidity. >1.5 comfortable, <1 raises short-term solvency flags.
Reading the history chart
  • Compare current level to the 3-year band: near the high end = relatively expensive; near the low = relatively cheap.
  • Multiples expanding while earnings are flat = sentiment-driven rally.
  • Multiples compressing while earnings grow = value coming from fundamentals.
P/E
—
P/B
—
P/S
—
EV/EBITDA
—
EV/Sales
—
ROE
-9.1%
ROA
-1.7%
Div Yield
2.86%
FCF Yield
—
Debt/Equity
0.00
Current Ratio
—
Market Cap
$0.00
as of 2026-10-23
Short Interest & Float

Regulatory short-interest reports publish on a bi-weekly settlement cadence; short-volume is reported daily by the trade-reporting facilities. Float is derived from insider-ownership filings.

Metric definitions
  • Short Interest — total shares currently sold short as of the settlement date. Lags real time by ~8 business days.
  • SI % of Float — short interest / free float. The key crowding metric.
  • Days to Cover — short interest / avg daily volume. How many full trading days it would take shorts to buy back. High DTC + catalyst = squeeze fuel.
  • Short Vol Ratio — today's short-sale volume / total volume. Intraday selling pressure proxy (not the same as short interest).
  • Free Float — shares available for public trading (total shares minus insider / restricted).
  • Float % — free float / shares outstanding. <50% = tightly held, more prone to squeezes.
How to read the signals
  • SI % of Float < 5% — typical, no particular signal.
  • 5–15% — elevated; watch for catalysts (earnings, guidance, macro).
  • 15–30% — heavily shorted; tight-float names in this range have produced notable squeezes historically.
  • >30% — extreme; borrow is likely expensive and squeeze risk is material.
  • Days to Cover > 5 combined with high SI% amplifies squeeze potential.
History chart
  • Trend matters more than level. Rapidly rising short interest often precedes negative catalysts or heavy hedging.
  • A sudden drop in SI after a rally may indicate a squeeze in progress.

Short interest is reported mid-month and end-of-month; short volume is daily.

Short Interest
11.07K
SI % of Float
0.25%
Days to Cover
5.79
Short Vol Ratio
54.3%
Free Float
4.41M
Float %
71.4%
Short interest 2026-09-30 • Short volume 2026-10-22 • Float 2026-05-15