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BLUE FOUNDRY BANCORP (BLFY) Stock Fundamental Analysis

NASDAQ:BLFY - US09549B1044 - Common Stock

9.36 USD
+0.48 (+5.41%)
Last: 8/22/2025, 8:00:02 PM
9.36 USD
0 (0%)
After Hours: 8/22/2025, 8:00:02 PM
Fundamental Rating

2

Taking everything into account, BLFY scores 2 out of 10 in our fundamental rating. BLFY was compared to 393 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.
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

BLFY has a Return On Assets of -0.53%. This is amonst the worse of the industry: BLFY underperforms 94.15% of its industry peers.
The Return On Equity of BLFY (-3.54%) is worse than 93.38% 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.
The number of shares outstanding for BLFY has been reduced compared to 1 year ago.
Compared to 5 years ago, BLFY has less shares outstanding
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's Debt to Equity ratio of 0.03 is amongst the best of the industry. BLFY outperforms 84.22% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.01%
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

Based on estimates for the next years, BLFY will show a very strong growth in Earnings Per Share. The EPS will grow by 34.15% on average per year.
Based on estimates for the next years, BLFY will show a very strong growth in Revenue. The Revenue will grow by 20.48% on average per year.
EPS Next Y25.05%
EPS Next 2Y34.15%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year21.67%
Revenue Next 2Y20.48%
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 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

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

A more expensive valuation may be justified as BLFY's earnings are expected to grow with 34.15% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y34.15%
EPS Next 3YN/A

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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 (8/22/2025, 8:00:02 PM)

After market: 9.36 0 (0%)

9.36

+0.48 (+5.41%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-30 2025-07-30/bmo
Earnings (Next)10-22 2025-10-22/bmo
Inst Owners54.59%
Inst Owner Change-2.86%
Ins Owners3.08%
Ins Owner Change-1.16%
Market Cap201.24M
Analysts45.71
Price Target10.07 (7.59%)
Short Float %2.43%
Short Ratio7.92
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)-2.47%
EPS NQ rev (1m)14.22%
EPS NQ rev (3m)16.52%
EPS NY rev (1m)11.7%
EPS NY rev (3m)11.7%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)4.79%
Revenue NY rev (1m)0.18%
Revenue NY rev (3m)0.18%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 4.73
P/FCF N/A
P/OCF N/A
P/B 0.63
P/tB 0.63
EV/EBITDA N/A
EPS(TTM)-0.55
EYN/A
EPS(NY)-0.11
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
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
ROICexcg growth 3YN/A
ROICexcg 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
WACC11.01%
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 2Y34.15%
EPS Next 3YN/A
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 Year21.67%
Revenue Next 2Y20.48%
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%