BLUE FOUNDRY BANCORP (BLFY) Fundamental Analysis & Valuation

NASDAQ:BLFY • US09549B1044

12.76 USD
-0.14 (-1.09%)
At close: Mar 12, 2026
12.7719 USD
+0.01 (+0.09%)
After Hours: 3/12/2026, 8:25:12 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This BLFY fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

2

Taking everything into account, BLFY scores 2 out of 10 in our fundamental rating. BLFY was compared to 381 industry peers in the Banks industry. Both the profitability and financial health of BLFY have multiple concerns. BLFY is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

0

1. BLFY Profitability Analysis

1.1 Basic Checks

  • In the past year BLFY has reported negative net income.
  • In the past year BLFY has reported a negative cash flow from operations.
  • BLFY had negative earnings in 4 of the past 5 years.
  • In multiple years BLFY reported negative operating cash flow during the last 5 years.
BLFY Yearly Net Income VS EBIT VS OCF VS FCFBLFY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 0 -10M -20M -30M

1.2 Ratios

  • The Return On Assets of BLFY (-0.43%) is worse than 93.70% of its industry peers.
  • With a Return On Equity value of -2.93%, BLFY is not doing good in the industry: 92.39% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -0.43%
ROE -2.93%
ROIC N/A
ROA(3y)-0.27%
ROA(5y)-0.87%
ROE(3y)-1.69%
ROE(5y)-5.77%
ROIC(3y)N/A
ROIC(5y)N/A
BLFY Yearly ROA, ROE, ROICBLFY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 0 -5 -10 -15

1.3 Margins

  • The Profit Margin and Operating Margin and Gross Margin are not available for BLFY so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
BLFY Yearly Profit, Operating, Gross MarginsBLFY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 0 -20 -40 -60

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. BLFY Health Analysis

2.1 Basic Checks

  • BLFY does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for BLFY has been reduced compared to 1 year ago.
  • The number of shares outstanding for BLFY has been reduced compared to 5 years ago.
  • Compared to 1 year ago, BLFY has a worse debt to assets ratio.
BLFY Yearly Shares OutstandingBLFY Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
BLFY Yearly Total Debt VS Total AssetsBLFY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

  • BLFY has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
  • BLFY has a Debt to Equity ratio of 0.03. This is amongst the best in the industry. BLFY outperforms 83.99% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC10.54%
BLFY Yearly LT Debt VS Equity VS FCFBLFY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 0 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BLFY Yearly Current Assets VS Current LiabilitesBLFY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. BLFY Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 17.86% over the past year.
  • The Revenue has grown by 16.48% in the past year. This is quite good.
  • Measured over the past years, BLFY shows a decrease in Revenue. The Revenue has been decreasing by -2.88% on average per year.
EPS 1Y (TTM)17.86%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%47.37%
Revenue 1Y (TTM)16.48%
Revenue growth 3Y-4.68%
Revenue growth 5Y-2.88%
Sales Q2Q%39.93%

3.2 Future

  • Based on estimates for the next years, BLFY will show a very strong growth in Earnings Per Share. The EPS will grow by 33.05% on average per year.
  • Based on estimates for the next years, BLFY will show a quite strong growth in Revenue. The Revenue will grow by 18.77% on average per year.
EPS Next Y23.23%
EPS Next 2Y33.47%
EPS Next 3Y33.05%
EPS Next 5YN/A
Revenue Next Year21.17%
Revenue Next 2Y20.67%
Revenue Next 3Y18.77%
Revenue Next 5YN/A

3.3 Evolution

  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
BLFY Yearly Revenue VS EstimatesBLFY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M
BLFY Yearly EPS VS EstimatesBLFY Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0 -0.2 -0.4 -0.6

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Find the best growth stocksShow best growing peers

1

4. BLFY Valuation Analysis

4.1 Price/Earnings Ratio

  • BLFY reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • Also next year BLFY is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
BLFY Price Earnings VS Forward Price EarningsBLFY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20 -40 -60 -80 -100

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BLFY Per share dataBLFY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

  • A more expensive valuation may be justified as BLFY's earnings are expected to grow with 33.05% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y33.47%
EPS Next 3Y33.05%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. BLFY Dividend Analysis

5.1 Amount

  • No dividends for BLFY!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

BLFY Fundamentals: All Metrics, Ratios and Statistics

BLUE FOUNDRY BANCORP

NASDAQ:BLFY (3/12/2026, 8:25:12 PM)

After market: 12.7719 +0.01 (+0.09%)

12.76

-0.14 (-1.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)03-02
Earnings (Next)N/A
Inst Owners60.47%
Inst Owner Change-8.28%
Ins Owners3.12%
Ins Owner Change-3.43%
Market Cap264.90M
Revenue(TTM)45.68M
Net Income(TTM)-9.20M
Analysts45.71
Price Target9.95 (-22.02%)
Short Float %2.96%
Short Ratio1.41
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)7.39%
Min EPS beat(2)-4.85%
Max EPS beat(2)19.64%
EPS beat(4)3
Avg EPS beat(4)16.85%
Min EPS beat(4)-4.85%
Max EPS beat(4)27.58%
EPS beat(8)6
Avg EPS beat(8)20.34%
EPS beat(12)10
Avg EPS beat(12)31.34%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-3.64%
Min Revenue beat(2)-7.16%
Max Revenue beat(2)-0.12%
Revenue beat(4)1
Avg Revenue beat(4)-2.79%
Min Revenue beat(4)-7.16%
Max Revenue beat(4)0.41%
Revenue beat(8)3
Avg Revenue beat(8)-2.21%
Revenue beat(12)3
Avg Revenue beat(12)-3.35%
Revenue beat(16)7
Avg Revenue beat(16)-1.35%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 5.8
P/FCF N/A
P/OCF N/A
P/B 0.84
P/tB 0.84
EV/EBITDA N/A
EPS(TTM)-0.46
EYN/A
EPS(NY)-0.12
Fwd EYN/A
FCF(TTM)-0.14
FCFYN/A
OCF(TTM)-0.12
OCFYN/A
SpS2.2
BVpS15.14
TBVpS15.14
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -0.43%
ROE -2.93%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)-0.27%
ROA(5y)-0.87%
ROE(3y)-1.69%
ROE(5y)-5.77%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 11.95%
Cap/Sales 0.78%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC10.54%
ROIC/WACCN/A
Cap/Depr(3y)133.37%
Cap/Depr(5y)257.23%
Cap/Sales(3y)7.64%
Cap/Sales(5y)13.44%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)17.86%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%47.37%
EPS Next Y23.23%
EPS Next 2Y33.47%
EPS Next 3Y33.05%
EPS Next 5YN/A
Revenue 1Y (TTM)16.48%
Revenue growth 3Y-4.68%
Revenue growth 5Y-2.88%
Sales Q2Q%39.93%
Revenue Next Year21.17%
Revenue Next 2Y20.67%
Revenue Next 3Y18.77%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y65.56%
FCF growth 3YN/A
FCF growth 5Y8.79%
OCF growth 1Y29.11%
OCF growth 3YN/A
OCF growth 5Y-1.39%

BLUE FOUNDRY BANCORP / BLFY FAQ

Can you provide the ChartMill fundamental rating for BLUE FOUNDRY BANCORP?

ChartMill assigns a fundamental rating of 2 / 10 to BLFY.


What is the valuation status for BLFY stock?

ChartMill assigns a valuation rating of 1 / 10 to BLUE FOUNDRY BANCORP (BLFY). This can be considered as Overvalued.


What is the profitability of BLFY stock?

BLUE FOUNDRY BANCORP (BLFY) has a profitability rating of 0 / 10.


Can you provide the expected EPS growth for BLFY stock?

The Earnings per Share (EPS) of BLUE FOUNDRY BANCORP (BLFY) is expected to grow by 23.23% in the next year.