Head-To-Head Comparison: Broadway Financial (NASDAQ:BYFC) vs. First Bancorp of Indiana (OTCMKTS:FBPI)

First Bancorp of Indiana (OTCMKTS:FBPI) and Broadway Financial (NASDAQ:BYFC) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their dividends, valuation, earnings, analyst recommendations, profitability, institutional ownership and risk.

Volatility and Risk

First Bancorp of Indiana has a beta of 0.13, suggesting that its share price is 87% less volatile than the S&P 500. Comparatively, Broadway Financial has a beta of 0.81, suggesting that its share price is 19% less volatile than the S&P 500.

Institutional & Insider Ownership

12.1% of Broadway Financial shares are owned by institutional investors. 20.0% of First Bancorp of Indiana shares are owned by insiders. Comparatively, 3.0% of Broadway Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Earnings and Valuation

This table compares First Bancorp of Indiana and Broadway Financial”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Bancorp of Indiana	N/A	N/A	N/A	$0.21	67.38
Broadway Financial	$63.03 million	1.42	-$24.80 million	($2.75)	-3.51

First Bancorp of Indiana has higher earnings, but lower revenue than Broadway Financial. Broadway Financial is trading at a lower price-to-earnings ratio than First Bancorp of Indiana, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares First Bancorp of Indiana and Broadway Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
First Bancorp of Indiana	N/A	N/A	N/A
Broadway Financial	-31.80%	3.01%	0.27%

Analyst Recommendations

This is a breakdown of current recommendations and price targets for First Bancorp of Indiana and Broadway Financial, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Bancorp of Indiana	0	0	0	0	0.00
Broadway Financial	1	0	0	0	1.00

Summary

Broadway Financial beats First Bancorp of Indiana on 6 of the 10 factors compared between the two stocks.

About First Bancorp of Indiana

First Bancorp of Indiana, Inc. operates as the bank holding company for First Federal Savings Bank, provides various banking products and services to individuals and business customers in the United States. The company accepts various deposits such as certificates of deposit, checking, health savings, individual retirement, money market, and savings accounts; loans include retail loan advisors, consumer loans, such as auto, motorcycle, boat, and recreational vehicle loans; mortgage and home equity loans; and current rates and secured deposits. It also accepts various business deposit accounts including commercial, business, small business, and community first checking accounts; lending services comprising relationship bankers; commercial real estate, equipment, owner occupied and investment real estate financing, as well as working capital line of credit, business loans, and small business administration. In addition, the company provides treasury management, online banking, merchant services, remote capture, and debit and credit card services. First Bancorp of Indiana, Inc. was founded in 1904 and is headquartered in Evansville, Indiana.

About Broadway Financial

Broadway Financial Corporation operates as the holding company for City First Bank, National Association that provides various banking products and services in the United States. It accepts various deposit accounts, including savings accounts, checking accounts, interest checking accounts, money market accounts, and fixed-term certificates of deposit. The company also offers mortgage loans, which are secured by multi-family residential properties; single family residential properties; and commercial real estate, including charter schools, community facilities, and churches, as well as commercial business, construction, and consumer loans. In addition, it invests in securities issued by federal government agencies, residential mortgage-backed securities, and other investments. The company was founded in 1946 and is headquartered in Los Angeles, California.