Fundamental Analysis of BLUE FOUNDRY BANCORP(NASDAQ:BLFY) stock

Fundamental Rating

Taking everything into account, BLFY scores 1 out of 10 in our fundamental rating. BLFY was compared to 411 industry peers in the Banks industry. BLFY may be in some trouble as it scores bad on both profitability and health. BLFY has a expensive valuation and it also scores bad on growth.

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1. Profitability

1.1 Basic Checks

In the past year BLFY has reported negative net income.

BLFY had a negative operating cash flow in the past year.

The reported net income has been mixed in the past 5 years: BLFY reported negative net income in multiple years.

In multiple years BLFY reported negative operating cash flow during the last 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of -0.36%, BLFY is doing worse than 96.11% of the companies in the same industry.

BLFY has a Return On Equity of -2.08%. This is amonst the worse of the industry: BLFY underperforms 95.38% of its industry peers.

		Industry Rank	Sector Rank
ROA	-0.36%
ROE	-2.08%
ROIC	N/A

ROA(3y)-0.71%

ROA(5y)-0.69%

ROE(3y)-3.31%

ROE(5y)-4.59%

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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

BLFY does not have a ROIC to compare to the WACC, probably because it is not profitable.

BLFY has less shares outstanding than it did 1 year ago.

BLFY has a better debt/assets ratio than last year.

2.2 Solvency

A Debt/Equity ratio of 0.03 indicates that BLFY is not too dependend on debt financing.

BLFY's Debt to Equity ratio of 0.03 is amongst the best of the industry. BLFY outperforms 84.91% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.03
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC11.41%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

BLFY shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -455.56%.

BLFY shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -19.78%.

The Revenue has been growing slightly by 2.77% on average over the past years.

EPS 1Y (TTM)-455.56%

EPS 3YN/A

EPS 5YN/A

EPS growth Q2Q-750%

Revenue 1Y (TTM)-19.78%

Revenue growth 3Y2.77%

Revenue growth 5YN/A

Revenue growth Q2Q-26.94%

3.2 Future

Based on estimates for the next years, BLFY will show a very negative growth in Earnings Per Share. The EPS will decrease by -29.36% on average per year.

Based on estimates for the next years, BLFY will show a small growth in Revenue. The Revenue will grow by 5.67% on average per year.

EPS Next Y-158.19%

EPS Next 2Y-29.36%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year-10.54%

Revenue Next 2Y5.67%

Revenue Next 3YN/A

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for BLFY. In the last year negative earnings were reported.

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 decrease with -29.36% in the coming years. This may justify a cheaper valuation.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y-29.36%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

BLFY does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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BLUE FOUNDRY BANCORP

NASDAQ:BLFY (4/24/2024, 7:00:01 PM)

After market: 8.68 0 (0%)

8.68

+0.09 (+1.05%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)

Earnings (Next)

Inst Owners

Inst Owner Change

Ins Owners

Ins Owner Change

Market Cap211.27M

Analysts

Price Target

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Dividend Growth(5Y)

Div Incr Years

Div Non Decr Years

Ex-Date

Surprises & Revisions

EPS beat(2)

Avg EPS beat(2)

Min EPS beat(2)

Max EPS beat(2)

EPS beat(4)

Avg EPS beat(4)

Min EPS beat(4)

Max EPS beat(4)

EPS beat(8)

Avg EPS beat(8)

EPS beat(12)

Avg EPS beat(12)

EPS beat(16)

Avg EPS beat(16)

Revenue beat(2)

Avg Revenue beat(2)

Min Revenue beat(2)

Max Revenue beat(2)

Revenue beat(4)

Avg Revenue beat(4)

Min Revenue beat(4)

Max Revenue beat(4)

Revenue beat(8)

Avg Revenue beat(8)

Revenue beat(12)

Avg Revenue beat(12)

Revenue beat(16)

Avg Revenue beat(16)

PT rev (1m)

PT rev (3m)

EPS NQ rev (1m)

EPS NQ rev (3m)

EPS NY rev (1m)

EPS NY rev (3m)

Revenue NQ rev (1m)

Revenue NQ rev (3m)

Revenue NY rev (1m)

Revenue NY rev (3m)

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA

EPS(TTM)

EPS(NY)

Fwd EY

FCF(TTM)

FCFY

OCF(TTM)

OCFY

SpS

BVpS

TBVpS

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-0.36%
ROE	-2.08%
ROCE
ROIC
ROICexc
ROICexgc
OM	N/A
PM (TTM)	N/A
GM	N/A
FCFM

ROA(3y)

ROA(5y)

ROE(3y)

ROE(5y)

ROIC(3y)

ROIC(5y)

ROICexc(3y)

ROICexc(5y)

ROICexgc(3y)

ROICexgc(5y)

ROCE(3y)

ROCE(5y)

ROICexcg growth 3Y

ROICexcg growth 5Y

ROICexc growth 3Y

ROICexc growth 5Y

OM growth 3Y

OM growth 5Y

PM growth 3Y

PM growth 5Y

GM growth 3Y

GM growth 5Y

F-Score

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	0.03
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z

F-Score

WACC

ROIC/WACC

Cap/Depr(3y)

Cap/Depr(5y)

Cap/Sales(3y)

Cap/Sales(5y)

Profit Quality(3y)

Profit Quality(5y)

Growth

EPS 1Y (TTM)-455.56%

EPS 3YN/A

EPS 5Y

EPS growth Q2Q

EPS Next Y-158.19%

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)-19.78%

Revenue growth 3Y2.77%

Revenue growth 5Y

Revenue growth Q2Q

Revenue Next Year

Revenue Next 2Y

Revenue Next 3Y

Revenue Next 5Y

EBIT growth 1Y

EBIT growth 3Y

EBIT growth 5Y

EBIT Next Year

EBIT Next 3Y

EBIT Next 5Y

FCF growth 1Y

FCF growth 3Y

FCF growth 5Y

OCF growth 1Y

OCF growth 3Y

OCF growth 5Y

BLUE FOUNDRY BANCORP (BLFY)

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

More info and screens