Blue Foundry Bancorp (NASDAQ:BLFY) Reports Mixed Q3 2025 Results with Revenue Beat

Third Quarter 2025 Financial Results

Blue Foundry Bancorp (NASDAQ:BLFY) has reported its financial outcomes for the third quarter of 2025, presenting a mixed picture relative to analyst forecasts. The company's performance demonstrates a slight improvement in its bottom-line loss compared to the previous year, though it continues to navigate a challenging operating environment. The market's immediate reaction, as observed in pre-market trading, suggests a degree of investor relief as the stock price moved higher.

Earnings and Revenue Versus Estimates

The bank's performance against Wall Street expectations reveals a nuanced story. While the top-line figure showed strength, the final profit figure fell short of projections.

• Revenue: The company reported revenue of $12.61 million, which surpassed the analyst consensus estimate of $12.38 million.
• Earnings Per Share (EPS): Blue Foundry Bancorp posted a net loss of $0.10 per diluted share. This was slightly wider than the estimated loss of $0.0954 per share.

The revenue beat indicates that the company's core banking operations, particularly its lending and deposit-gathering activities, are performing relatively well. However, the deeper-than-expected loss suggests that operational costs or provisions for credit losses continue to pressure profitability. The reported net loss of $1.9 million represents a sequential improvement from the $2.0 million loss in the second quarter and a more substantial recovery from the $4.0 million loss recorded in the third quarter of 2024.

Market Reaction and Price Action

The immediate market response to the earnings release has been cautiously positive. The stock experienced a notable uptick in pre-market trading, rising over 10%. This movement indicates that investors may be focusing on the positive aspects of the report, namely the revenue beat and the year-over-year reduction in net loss. The positive pre-market sentiment contrasts with the stock's performance over the past month, which had seen a decline of over 5%. This suggests the earnings results may have alleviated some of the recent negative pressure on the stock.

Press Release Summary and Future Outlook

The core announcement from the press release was the declaration of the third quarter net loss. The report highlighted a consistent, albeit slow, path toward improvement by comparing the current results to both the immediate prior quarter and the same period last year. The reduction in net loss from $4.0 million in Q3 2024 to $1.9 million in Q3 2025 is the most significant positive takeaway, pointing to potential progress in the company's restructuring or cost-management efforts. The press release did not provide a specific financial outlook for the coming quarters, leaving analysts' estimates as the primary benchmark for future performance.

Looking ahead, analyst estimates for Blue Foundry Bancorp remain cautious. For the fourth quarter of 2025, the consensus is for a loss of $0.0821 per share on revenue of $12.81 million. For the full 2025 year, analysts are projecting a loss of $0.4197 per share.

For a detailed breakdown of historical earnings, future estimates, and analyst ratings, you can review the dedicated earnings page for BLUE FOUNDRY BANCORP (BLFY).

Disclaimer: This article is for informational purposes only and does not constitute financial advice or a recommendation to buy or sell any security. Investors should conduct their own research and consult with a qualified financial advisor before making any investment decisions.