Oversold

BYFC

Same as last week
Valuation50/ 100
Cash flow & growth43/ 100
Upside potential39/ 100
Risk potential37/ 100

BYFC's valuation appears fair and fundamentals are below averages.

Valuation

Valuation stays neutral because earnings are difficult to compare across periods. Business trends, outlook and financial risk still contribute to the overall score.

Cash flow & growth

Business trends are mixed. Over the past year: revenue +10.4%, operating margin -26.2 percentage points. The business score is 42.9/100. Growth, margins and cash generation drive the score. Missing or older data receives less weight.

Favorable scenario

Weaker business results limit upside support. Price history provides the reference because earnings are difficult to compare.

The calculation starts with the stock’s typical weekly price movements, adjusted for business performance and outlook. Unusually large jumps have less influence. The result is 24.2% upside, or about $15.05.

This is a scenario based on our model, not a forecast or probability.

Downside scenario

Historical price swings are the main risk driver, even without a sharp profit decline.

The stock’s historical price swings drive this figure. Price history and operating stress provide the reference because comparable earnings do not support a future PE target. Operating stress reflects revenue, earnings, margins, outlook and relevant debt exposure. The larger stress gives 37.1% downside, or about $7.62, with a 15% minimum.

This is a scenario based on our model, not a forecast or probability.

BYFC vs Historical averages

MetricCurrentAverageRelative
PE187x64x191% higher
PE percentile905081% higher
EPS-$2.71-$0.37$2.35 lower
FCF$6.2M$6.3M2% lower
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BYFC’s earnings and cash flow are below their historical averages, while its earnings multiple is higher.

BYFC Forward outlook

MetricOutlook
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BYFC PE Valuation

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This table applies BYFC's historical price-to-earnings (PE) landmarks to current earnings. The implied prices are valuation scenarios, not price forecasts or targets.

BYFC Earnings Per Share

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This chart tracks BYFC's trailing twelve-month diluted earnings per share, calculated from four consecutive reported quarters to reduce seasonal noise.

BYFC Quarterly Revenue

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This chart tracks BYFC's quarterly revenue over time and shows how sales are changing from year to year.

BYFC Free Cash Flow

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This chart tracks BYFC's free cash flow over time, showing whether the business is consistently generating cash after operating costs and capital spending.

BYFC Total Shares

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This chart tracks changes in BYFC's diluted share count. A rising count can dilute existing owners, while a falling count often reflects share repurchases.

BYFC Net Leverage

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Quarterly Net Leverage uses the last 12 months of EBITDA. A falling multiple generally indicates less debt relative to earnings capacity. Negative values mean net cash; missing data or nonpositive LTM EBITDA are N/A. The table shows each period’s Net Leverage and status.

BYFC PE vs Financial Services Sector

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This chart compares BYFC's price-to-earnings (PE) ratio with the Financial Services sector average. A discount or premium can reflect differences in expected growth, profitability, or risk.

BYFC Weekly Price

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This chart uses BYFC's weekly closing prices to show the longer-term trend. The lower panes show weekly RSI and Stochastic momentum.

BYFC Weekly Moving Averages

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This chart compares BYFC's 8, 20, 50, 100, and 200-week moving averages from 2020 onward. Shorter averages react faster to price changes, while longer averages show the broader trend.

BYFC Yearly ROI

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Each line starts at 0% using the year’s first dependable weekly close and tracks the return through December, or through the latest available week for the current year.