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BLUE FOUNDRY BANCORP (BLFY) Stock Fundamental Analysis

USA - NASDAQ:BLFY - US09549B1044 - Common Stock

8.73 USD
+0.19 (+2.22%)
Last: 10/24/2025, 8:11:07 PM
Fundamental Rating

2

Overall BLFY gets a fundamental rating of 2 out of 10. We evaluated BLFY against 390 industry peers in the Banks industry. BLFY has a bad profitability rating. Also its financial health evaluation is rather negative. BLFY is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

BLFY had negative earnings in the past year.
In the past year BLFY has reported a negative cash flow from operations.
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.
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

Looking at the Return On Assets, with a value of -0.53%, BLFY is doing worse than 95.14% of the companies in the same industry.
BLFY has a worse Return On Equity (-3.54%) than 92.84% of its industry peers.
Industry RankSector Rank
ROA -0.53%
ROE -3.54%
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

BLFY does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
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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2

2. Health

2.1 Basic Checks

BLFY does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, BLFY has less shares outstanding
Compared to 5 years ago, BLFY has less shares outstanding
The debt/assets ratio for BLFY is higher compared to a year ago.
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

A Debt/Equity ratio of 0.03 indicates that BLFY is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.03, BLFY belongs to the top of the industry, outperforming 83.89% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.04%
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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4

3. Growth

3.1 Past

BLFY shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -27.91%.
Looking at the last year, BLFY shows a small growth in Revenue. The Revenue has grown by 6.39% in the last year.
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)-27.91%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%9.09%
Revenue 1Y (TTM)6.39%
Revenue growth 3Y-4.68%
Revenue growth 5Y-2.88%
Sales Q2Q%8.15%

3.2 Future

BLFY is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 30.99% yearly.
The Revenue is expected to grow by 18.91% on average over the next years. This is quite good.
EPS Next Y25.05%
EPS Next 2Y36.54%
EPS Next 3Y30.99%
EPS Next 5YN/A
Revenue Next Year20.32%
Revenue Next 2Y18.91%
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.
BLFY Yearly Revenue VS EstimatesBLFY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 10M 20M 30M 40M 50M
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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1

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 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 -50 -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

4.3 Compensation for Growth

BLFY's earnings are expected to grow with 30.99% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y36.54%
EPS Next 3Y30.99%

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0

5. Dividend

5.1 Amount

BLFY does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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BLUE FOUNDRY BANCORP

NASDAQ:BLFY (10/24/2025, 8:11:07 PM)

8.73

+0.19 (+2.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-30 2025-07-30/bmo
Earnings (Next)10-29 2025-10-29/bmo
Inst Owners50.47%
Inst Owner Change0.01%
Ins Owners3.15%
Ins Owner Change0.42%
Market Cap187.69M
Revenue(TTM)42.55M
Net Income(TTM)-11377000
Analysts45.71
Price Target10.07 (15.35%)
Short Float %1.9%
Short Ratio8.25
Dividend
Industry RankSector Rank
Dividend Yield N/A
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)2
Avg EPS beat(2)22.33%
Min EPS beat(2)19.64%
Max EPS beat(2)25.03%
EPS beat(4)3
Avg EPS beat(4)16.45%
Min EPS beat(4)-6.44%
Max EPS beat(4)27.58%
EPS beat(8)7
Avg EPS beat(8)27.05%
EPS beat(12)11
Avg EPS beat(12)125.54%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-3.38%
Min Revenue beat(2)-7.16%
Max Revenue beat(2)0.41%
Revenue beat(4)1
Avg Revenue beat(4)-6.02%
Min Revenue beat(4)-13%
Max Revenue beat(4)0.41%
Revenue beat(8)3
Avg Revenue beat(8)-2.64%
Revenue beat(12)4
Avg Revenue beat(12)-2.86%
Revenue beat(16)8
Avg Revenue beat(16)-1.29%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)14.22%
EPS NY rev (1m)0%
EPS NY rev (3m)11.7%
Revenue NQ rev (1m)-1.7%
Revenue NQ rev (3m)-1.2%
Revenue NY rev (1m)-1.71%
Revenue NY rev (3m)-0.94%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 4.41
P/FCF N/A
P/OCF N/A
P/B 0.58
P/tB 0.58
EV/EBITDA N/A
EPS(TTM)-0.55
EYN/A
EPS(NY)-0.08
Fwd EYN/A
FCF(TTM)-0.29
FCFYN/A
OCF(TTM)-0.28
OCFYN/A
SpS1.98
BVpS14.94
TBVpS14.94
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -0.53%
ROE -3.54%
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-Score4
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
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-Score4
WACC11.04%
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)-27.91%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%9.09%
EPS Next Y25.05%
EPS Next 2Y36.54%
EPS Next 3Y30.99%
EPS Next 5YN/A
Revenue 1Y (TTM)6.39%
Revenue growth 3Y-4.68%
Revenue growth 5Y-2.88%
Sales Q2Q%8.15%
Revenue Next Year20.32%
Revenue Next 2Y18.91%
Revenue Next 3YN/A
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 1Y-24.6%
FCF growth 3YN/A
FCF growth 5Y8.79%
OCF growth 1Y-1174.89%
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 of BLUE FOUNDRY BANCORP (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.


What is the financial health of BLUE FOUNDRY BANCORP (BLFY) stock?

The financial health rating of BLUE FOUNDRY BANCORP (BLFY) is 2 / 10.


What is the earnings growth outlook for BLUE FOUNDRY BANCORP?

The Earnings per Share (EPS) of BLUE FOUNDRY BANCORP (BLFY) is expected to grow by 25.05% in the next year.