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STATES\n\nSECURITIES AND EXCHANGE COMMISSION\n\nWashington, D.C. 20549\n\n \n\nFORM 10-K\n\n \n\n(Mark one)\n\n☒\n\nANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934\n\nFor the fiscal year ended December 31, 2025\n\n☐\n\nTRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934\n\nFor the transition period from                       to___________\n\n \n\nCommission file number 001-39043\n\n \n\nBROADWAY FINANCIAL CORPORATION\n\n(Exact name of registrant as specified in its charter)\n\n \n\nDelaware\n\n \n\n95-4547287\n\n(State or other jurisdiction of\n\nincorporation or organization)\n\n \n\n(I.R.S. Employer\n\nIdentification No.)\n\n4601 Wilshire Boulevard, Suite 150\n\nLos Angeles, California\n\n \n\n90010\n\n(Address of principal executive offices)\n\n \n\n(Zip Code)\n\n(323) 634-1700\n\n(Registrant’s Telephone Number, Including Area Code)\n\n \n\nSecurities registered under Section 12(b) of the Act:\n\nTitle of each class:\n\nTrading Symbol(s)\n\nName of each exchange on which registered:\n\nCommon Stock, par value $0.01 per share\n\n(including attached preferred stock purchase rights)\n\nBYFC\n\nNasdaq Capital Market\n\n \n\nSecurities registered pursuant to Section 12(g) of the Act: None\n\nIndicate by check mark if the registrant is a well‑known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes ☐ No ☒\n\n \n\nIndicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes ☐ No ☒\n\n \n\nIndicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the\npreceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☒ No ☐\n\n \n\nIndicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S‑T\nduring the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☒ No ☐\n\n \n\nIndicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non‑accelerated, a smaller reporting company, or an emerging growth\ncompany. See the definition of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b‑2 of the Exchange Act.\n\n \n\n \n\nLarge accelerated filer ☐\n\nAccelerated filer ☐\n\n \n\n \n\n \n\n \n\nNon-accelerated filer ☒\n\nSmaller reporting company ☒\n\n \n\n \n\n \n\n \n\n \n\nEmerging growth company ☐\n\n \n\nIf an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised\nfinancial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐\n\n \n\nIndicate by check mark whether the registrant is a shell company (as defined in Rule 12b‑2 of the Exchange Act). Yes ☐ No ☒\n\nIndicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of its internal control over\nfinancial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report. ☐\n\nIf securities are registered pursuant to Section 12(b) of the Act, indicate by\ncheck mark whether the financial statements of the registrant included in the filing reflect the correction of an error to previously issued financial statements. ☐\n\nIndicate by check mark whether any of those error corrections are restatements\nthat required a recovery analysis of incentive-based compensation received by any of the registrant’s executive officers during the relevant recovery period pursuant to §240.10D-1(b). ☐\n\nAggregate market value of the voting and non‑voting common stock held by non‑affiliates as of June 30, 2025: $54.2 million.\n\n \n\nAs of March 18, 2026, 6,206,166 shares of the\nregistrant’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.\n\n \n\nDOCUMENTS INCORPORATED BY REFERENCE\n\n \n\nPortions of the registrant’s definitive proxy statement for its 2026 Annual Meeting of Stockholders, which will be filed no later than April 30, 2026, are incorporated\nby reference in Part III, Items 10 through 14 of this report.\n\n \n\nTABLE OF CONTENTS\n\nPART I"}