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BYFC vs SFBC // ALTMAN Z-SCORE & DEBT/EQUITY

Broadway Financial Corporation (Class A) (NASDAQ) VS. Sound Financial Bancorp Inc. (NASDAQ) • 15-METRIC TALLY: BYFC 0 — SFBC 6
■ METRIC PARITY
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (BYFC VS. SFBC) EMERALD CELL = QUANTITATIVE EDGE
INSTITUTIONAL METRIC BYFC SFBC SPREAD (A - B) ADVANTAGE DEDICATED URL
Gross Profit Margin — — — TIE /gross-margins <GO>
Return on Invested Capital (ROIC) -9.40% 6.50% -15.90 SFBC /roic <GO>
EV/EBITDA & P/E Valuation — — — TIE /valuation <GO>
Free Cash Flow Yield -0.01% 6.05% -6.06 SFBC /fcf-yield <GO>
Operating Margin — — — TIE /operating-margins <GO>
Net Profit Margin -60.00% — — TIE /net-margins <GO>
Revenue Growth (YoY) 18.70% — — TIE /revenue-growth <GO>
Dividend Yield & FCF Payout Safety 0.00% 1.68% -1.68 SFBC /dividend-safety <GO>
Altman Z-Score & Debt/Equity ACTIVE — — — TIE /balance-sheet <GO>
Piotroski F-Score Quality 3/9 5/9 -2.00 SFBC /piotroski-score <GO>
Options Implied Move & Put/Call Skew — — — TIE /options-implied-move <GO>
RSI-14 & 200D SMA Momentum 48.5 50.9 -2.41 SFBC /rsi-technicals <GO>
10Y Yield & FRED Macro Beta — — — TIE /macro-sensitivity <GO>
Forward P/E Multiple — 15.0x — TIE /forward-pe <GO>
Enterprise Scale & Market Cap $106.5M $115.6M -$9.0M SFBC /market-cap <GO>
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
FISCAL YEAR BYFC REV SFBC REV BYFC GROSS % SFBC GROSS % BYFC FCF SFBC FCF
FY 2025 $184.0K $0 — — -$13.0K $7.0M
FY 2024 $155.0K $0 — — $1.3M $2.9M
FY 2023 $179.0K $0 — — $7.6M $6.9M
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
BYFC // BETA —
SFBC // BETA —