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BLUE FOUNDRY BANCORP (BLFY) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:BLFY - US09549B1044 - Common Stock

12.43 USD
-0.08 (-0.64%)
Last: 12/31/2025, 8:00:01 PM
12.43 USD
0 (0%)
After Hours: 12/31/2025, 8:00:01 PM
Fundamental Rating

2

BLFY gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 388 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.
BLFY had a negative operating cash flow in the past year.
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

BLFY has a Return On Assets of -0.43%. This is amonst the worse of the industry: BLFY underperforms 93.56% of its industry peers.
Looking at the Return On Equity, with a value of -2.93%, BLFY is doing worse than 92.01% of the companies in the same industry.
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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2

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.
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.
BLFY has a Debt to Equity ratio of 0.03. This is amongst the best in the industry. BLFY outperforms 83.76% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC10.63%
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

The Earnings Per Share has grown by an nice 17.86% over the past year.
Looking at the last year, BLFY shows a quite strong growth in Revenue. The Revenue has grown by 16.48% in the last year.
The Revenue has been decreasing by -2.88% on average over the past years.
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

BLFY is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 33.05% yearly.
BLFY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.77% yearly.
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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1

4. Valuation

4.1 Price/Earnings Ratio

BLFY reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for BLFY. No positive earnings are expected for the next year.
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%

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0

5. Dividend

5.1 Amount

BLFY does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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BLUE FOUNDRY BANCORP

NASDAQ:BLFY (12/31/2025, 8:00:01 PM)

After market: 12.43 0 (0%)

12.43

-0.08 (-0.64%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-29 2025-10-29/bmo
Earnings (Next)01-28 2026-01-28/amc
Inst Owners52.07%
Inst Owner Change-8.49%
Ins Owners3.25%
Ins Owner Change0.85%
Market Cap258.05M
Revenue(TTM)45.68M
Net Income(TTM)-9.20M
Analysts45.71
Price Target9.95 (-19.95%)
Short Float %1.97%
Short Ratio1.75
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)-1.27%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-9.76%
EPS NY rev (1m)-2.43%
EPS NY rev (3m)-2.43%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.74%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.02%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 5.65
P/FCF N/A
P/OCF N/A
P/B 0.82
P/tB 0.82
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
WACC10.63%
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.