BLUE FOUNDRY BANCORP (BLFY) Fundamental Analysis & Valuation

NASDAQ:BLFY • US09549B1044

Current stock price

13.24 USD
+0.45 (+3.52%)
At close:
13.24 USD
0 (0%)
After Hours:

This BLFY fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

0

1. BLFY Profitability Analysis

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.
  • BLFY had negative earnings in 4 of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: BLFY reported negative operating cash flow in multiple 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 -0.43%, BLFY is doing worse than 93.42% of the companies in the same industry.
  • BLFY's Return On Equity of -2.93% is on the low side compared to the rest of the industry. BLFY is outperformed by 93.42% of its industry peers.
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

  • 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. BLFY Health Analysis

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.
  • BLFY's Debt to Equity ratio of 0.03 is amongst the best of the industry. BLFY outperforms 84.21% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC10.44%
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. BLFY Growth Analysis

3.1 Past

  • BLFY shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -75.00%.
  • BLFY shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -10.02%.
  • BLFY shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -2.88% yearly.
EPS 1Y (TTM)-75%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)-10.02%
Revenue growth 3Y-4.68%
Revenue growth 5Y-2.88%
Sales Q2Q%33.52%

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.
  • 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

  • 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. BLFY Valuation Analysis

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 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%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. BLFY Dividend Analysis

5.1 Amount

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

More info and screens

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BLFY Fundamentals: All Metrics, Ratios and Statistics

BLUE FOUNDRY BANCORP

NASDAQ:BLFY (3/31/2026, 8:21:31 PM)

After market: 13.24 0 (0%)

13.24

+0.45 (+3.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)03-02
Earnings (Next)05-04
Inst Owners66.12%
Inst Owner Change0.17%
Ins Owners0.78%
Ins Owner Change-415.39%
Market Cap253.28M
Revenue(TTM)39.34M
Net Income(TTM)-9.20M
Analysts45.71
Price Target9.95 (-24.85%)
Short Float %3.31%
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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 5.54
P/FCF N/A
P/OCF N/A
P/B 0.81
P/tB 0.81
EV/EBITDA N/A
EPS(TTM)-0.56
EYN/A
EPS(NY)-0.12
Fwd EYN/A
FCF(TTM)-0.15
FCFYN/A
OCF(TTM)-0.13
OCFYN/A
SpS2.39
BVpS16.43
TBVpS16.43
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0 (-100%)
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
WACC10.44%
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)-75%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
EPS Next Y23.23%
EPS Next 2Y33.47%
EPS Next 3Y33.05%
EPS Next 5YN/A
Revenue 1Y (TTM)-10.02%
Revenue growth 3Y-4.68%
Revenue growth 5Y-2.88%
Sales Q2Q%33.52%
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 Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for BLUE FOUNDRY BANCORP?

ChartMill assigns a fundamental rating of 1 / 10 to BLFY.


Can you provide the valuation status for BLUE FOUNDRY BANCORP?

ChartMill assigns a valuation rating of 1 / 10 to BLUE FOUNDRY BANCORP (BLFY). This can be considered as Overvalued.


How profitable is BLUE FOUNDRY BANCORP (BLFY) stock?

BLUE FOUNDRY BANCORP (BLFY) has a profitability rating of 0 / 10.


How financially healthy is BLUE FOUNDRY BANCORP?

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