BLUE FOUNDRY BANCORP (BLFY) Stock Fundamental Analysis
NASDAQ:BLFY - Nasdaq - US09549B1044 - Common Stock - Currency: USD
We assign a fundamental rating of 2 out of 10 to BLFY. BLFY was compared to 396 industry peers in the Banks industry. Both the profitability and financial health of BLFY have multiple concerns. While showing a medium growth rate, BLFY is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
BLFY had negative earnings in the past year.
In the past year BLFY had a positive cash flow from operations.
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.
1.2 Ratios
BLFY has a worse Return On Assets (-0.56%) than 94.95% of its industry peers.
The Return On Equity of BLFY (-3.60%) is worse than 93.69% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.56% | ||
| ROE | -3.6% | ||
| 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
1.3 Margins
The Profit Margin and Operating Margin and Gross Margin are not available for BLFY so they could not be analyzed.
| 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
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
The debt/assets ratio for BLFY is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of BLFY is 1.64, which is an excellent value as it means it would take BLFY, only 1.64 years of fcf income to pay off all of its debts.
BLFY has a Debt to FCF ratio (1.64) which is comparable to the rest of the industry.
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 84.60% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 1.64 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.14%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BLFY shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -40.00%.
The Revenue has decreased by -1.36% in the past year.
BLFY shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -2.88% yearly.
EPS 1Y (TTM)-40%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%0%
Revenue 1Y (TTM)-1.36%
Revenue growth 3Y-4.68%
Revenue growth 5Y-2.88%
Sales Q2Q%5.94%
3.2 Future
BLFY is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 32.44% yearly.
Based on estimates for the next years, BLFY will show a very strong growth in Revenue. The Revenue will grow by 20.83% on average per year.
EPS Next Y15.12%
EPS Next 2Y32.44%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year21.46%
Revenue Next 2Y20.83%
Revenue Next 3YN/A
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.
4. Valuation
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
81.06% of the companies in the same industry are cheaper than BLFY, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 33.35 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
BLFY's earnings are expected to grow with 32.44% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y32.44%
EPS Next 3YN/A
5. Dividend
5.1 Amount
BLFY does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
9.11
-0.09 (-0.98%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners54.38%
Inst Owner Change0.29%
Ins Owners3.1%
Ins Owner Change-3.11%
Market Cap197.87M
Analysts45.71
Price Target10.07 (10.54%)
Short Float %2.62%
Short Ratio8.94
Dividend
| Industry Rank | Sector 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)26.31%
Min EPS beat(2)25.03%
Max EPS beat(2)27.58%
EPS beat(4)3
Avg EPS beat(4)23.7%
Min EPS beat(4)-6.44%
Max EPS beat(4)48.65%
EPS beat(8)7
Avg EPS beat(8)27.98%
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-1.95%
Min Revenue beat(2)-4.31%
Max Revenue beat(2)0.41%
Revenue beat(4)2
Avg Revenue beat(4)-2.39%
Min Revenue beat(4)-13%
Max Revenue beat(4)7.32%
Revenue beat(8)3
Avg Revenue beat(8)-2.95%
Revenue beat(12)5
Avg Revenue beat(12)-1.75%
Revenue beat(16)9
Avg Revenue beat(16)-0.25%
PT rev (1m)-2.47%
PT rev (3m)-5.95%
EPS NQ rev (1m)0%
EPS NQ rev (3m)12.86%
EPS NY rev (1m)0%
EPS NY rev (3m)10.38%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)7.17%
Revenue NY rev (1m)0%
Revenue NY rev (3m)5.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | 4.87 | ||
| P/FCF | 33.35 | ||
| P/OCF | 32.31 | ||
| P/B | 0.61 | ||
| P/tB | 0.61 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.56
EYN/A
EPS(NY)-0.14
Fwd EYN/A
FCF(TTM)0.27
FCFY3%
OCF(TTM)0.28
OCFY3.1%
SpS1.87
BVpS15.04
TBVpS15.04
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.56% | ||
| ROE | -3.6% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 14.61% |
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-Score3
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 1.64 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 6.23% | ||
| Cap/Sales | 0.47% | ||
| 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-Score3
WACC11.14%
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)-40%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%0%
EPS Next Y15.12%
EPS Next 2Y32.44%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.36%
Revenue growth 3Y-4.68%
Revenue growth 5Y-2.88%
Sales Q2Q%5.94%
Revenue Next Year21.46%
Revenue Next 2Y20.83%
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 1Y177.35%
FCF growth 3YN/A
FCF growth 5Y8.79%
OCF growth 1Y582.28%
OCF growth 3YN/A
OCF growth 5Y-1.39%