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PROV vs BYFC // PIOTROSKI F-SCORE QUALITY

Provident Financial Holdings Inc. (NASDAQ) VS. Broadway Financial Corporation (Class A) (NASDAQ) • 15-METRIC TALLY: PROV 5 — BYFC 1
▲ PIOTROSKI F-SCORE QUALITY LEADER: PROV
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PROV VS. BYFC) EMERALD CELL = QUANTITATIVE EDGE
INSTITUTIONAL METRIC PROV BYFC SPREAD (A - B) ADVANTAGE DEDICATED URL
Gross Profit Margin — — — TIE /gross-margins <GO>
Return on Invested Capital (ROIC) 4.90% -9.40% +14.30 PROV /roic <GO>
EV/EBITDA & P/E Valuation — — — TIE /valuation <GO>
Free Cash Flow Yield 7.23% -0.01% +7.24 PROV /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 3.34% 0.00% +3.34 PROV /dividend-safety <GO>
Altman Z-Score & Debt/Equity — — — TIE /balance-sheet <GO>
Piotroski F-Score Quality ACTIVE 4/9 3/9 +1.00 PROV /piotroski-score <GO>
Options Implied Move & Put/Call Skew — — — TIE /options-implied-move <GO>
RSI-14 & 200D SMA Momentum 48.4 49.4 -1.00 BYFC /rsi-technicals <GO>
10Y Yield & FRED Macro Beta — — — TIE /macro-sensitivity <GO>
Forward P/E Multiple 16.7x — — TIE /forward-pe <GO>
Enterprise Scale & Market Cap $112.8M $106.5M $6.3M PROV /market-cap <GO>
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
FISCAL YEAR PROV REV BYFC REV PROV GROSS % BYFC GROSS % PROV FCF BYFC FCF
FY 2025 $0 $184.0K — — $8.2M -$13.0K
FY 2024 $0 $155.0K — — $4.1M $1.3M
FY 2023 $0 $179.0K — — $16.3M $7.6M
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PROV // BETA —
BYFC // BETA —