12.96 USD
-0.12 (-0.92%)
We assign a fundamental rating of 2 out of 10 to BLFY. BLFY was compared to 383 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.
1. Profitability
1.1 Basic Checks
- BLFY had negative earnings in the past year.
- BLFY had a negative operating cash flow in the past year.
- In the past 5 years BLFY reported 4 times negative net income.
- In multiple years BLFY reported negative operating cash flow during the last 5 years.
1.2 Ratios
- BLFY has a worse Return On Assets (-0.43%) than 92.95% of its industry peers.
- BLFY has a Return On Equity of -2.93%. This is amonst the worse of the industry: BLFY underperforms 91.38% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- BLFY does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
2. Health
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.
2.2 Solvency
- A Debt/Equity ratio of 0.03 indicates that BLFY is not too dependend on debt financing.
- The Debt to Equity ratio of BLFY (0.03) is better than 84.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.55%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 17.86% over the past year.
- BLFY shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.48%.
- 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
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- BLFY's earnings are expected to grow with 33.05% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y33.47%
EPS Next 3Y33.05%
5. Dividend
5.1 Amount
- BLFY does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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.