BYFCHIGH SIGNALFINANCIAL10-K

BYFC experienced a dramatic deterioration in cash position and operating cash generation despite deposit growth.

The company's cash and equivalents plummeted from $61.4M to $10.5M, representing a severe liquidity contraction that raises immediate concerns about financial stability. While deposit growth of 23% to $917.6M suggests some business momentum, the collapse in operating cash flow from $1.4M to just $230K indicates fundamental operational stress that could impair the bank's ability to fund operations and growth.

Comparing 2026-03-31 vs 2025-03-31View on EDGAR →
FINANCIAL ANALYSIS

BYFC's financial profile shows concerning deterioration in liquidity and cash generation capability. The company's cash position contracted dramatically from $61.4M to $10.5M, while operating cash flow fell substantially from $1.4M to $230K, signaling potential operational distress. However, total deposits grew meaningfully by 23% to $917.6M and revenue increased modestly to $184K, suggesting some underlying business activity remains, though insufficient to offset the severe cash flow pressures.

FINANCIAL STATEMENT CHANGES
Operating Cash Flow
Cash Flow
-83.5%
$1.4M$230K

Operating cash flow fell 83.5% — earnings quality concerns; investigate working capital changes and non-cash items.

Cash & Equivalents
Balance Sheet
-82.9%
$61.4M$10.5M

Cash declined 82.9% — significant cash burn or deployment; verify adequacy of remaining liquidity runway.

Capital Expenditure
Cash Flow
+76.1%
$138K$243K

Capital expenditure jumped 76.1% — major investment cycle underway; assess returns on deployment.

Total Deposits
Balance Sheet
+23.1%
$745.4M$917.6M

Deposits grew 23.1% — expanding customer base or increased trust in the institution.

Revenue
P&L
+18.7%
$155K$184K

Revenue growing 18.7% — solid top-line momentum, watch margins for quality of growth.

LANGUAGE CHANGES
NEW — 2026-03-31
PRIOR — 2025-03-31
ADDED
Aggregate market value of the voting and non voting common stock held by non affiliates as of June 30, 2025: $ 54.2 million.
As of March 18, 2026, 6,206,166 shares of the registrant s Class A voting common stock, 1,425,404 shares of the registrant s Class B non-voting common stock and 1,672,562 shares of the registrant s Class C non voting common stock were outstanding.
In 1996, the conversion was completed and Broadway Federal became a wholly owned subsidiary of the Company.
In 2021, the Company completed its merger (the Merger ) with CFBanc Corporation ( CFBanc ), with the Company continuing as the surviving entity.
Available Information Our internet website address is www.cityfirstbank.com.
At December 31, 2025, our net loan portfolio totaled $1.0 billion, or 75.5% of total assets.
At December 31, 2025, more than 82% of our loans had adjustable-rate features.
These multi family loans amounted to $593.2 million and $639.2 million at December 31, 2025 and 2024, respectively.
Multi family loans represented 58.41% of our gross loan portfolio at December 31, 2025 compared to 63.50% of our gross loan portfolio at December 31, 2024.
Our commercial real estate loans amounted to $162.6 million and $163.3 million at December 31, 2025 and 2024, respectively.
REMOVED
Aggregate market value of the voting and non voting common stock held by non affiliates as of June 30, 2024: $ 38.1 million.
As of March 21, 2025, 6,022,227 shares of the registrant s Class A voting common stock, 1,425,574 shares of the registrant s Class B non-voting common stock and 1,672,562 shares of the registrant s Class C non voting common stock were outstanding.
The conversion was completed, and Broadway Federal became a wholly owned subsidiary of the Company, in January 1996.
On April 1, 2021, the Company completed its merger (the Merger ) with CFBanc Corporation ( CFBanc ), with the Company continuing as the surviving entity.
Reverse Stock Split On October 31, 2023, the Company effected a reverse stock split of the Company s outstanding shares of Class A common stock, Class B common stock, and Class C common stock, par value $0.01 per share, at a ratio of 1-for-8 (the Reverse Stock Split ).
The shares of Class A Common Stock listed on The Nasdaq Capital Market commenced trading on The Nasdaq Capital Market on a post-Reverse Stock Split adjusted basis at the open of business on November 1, 2023.
As a result of the Reverse Stock Split, the number of issued and outstanding shares of common stock immediately prior to the Reverse Stock Split was reduced such that every 8 shares of common stock held by a stockholder immediately prior to the Reverse Stock Split were combined and reclassified into one share of common stock.
All common stock share amounts and per share numbers discussed herein have been retroactively adjusted, as applicable, for the Reverse Stock Split.
Share Repurchase On October 31, 2023 the Company purchased 244,771 shares of its Class A (voting) Common Stock (adjusted for the 1-for-8 reverse stock split effective November 1, 2023 - for more information about the reverse stock split, see Note 2) from the Federal Deposit Insurance Corporation ( FDIC ), which obtained the shares when it was appointed receiver for First Republic Bank upon its closure earlier in 2023.
The purchased shares represented just under 4.0% of the Company s total voting shares prior to the purchase, and over 2.6% of the Company s total common equity.
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