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 398 industry peers in the Banks industry. Both the profitability and financial health of BLFY have multiple concerns. BLFY does not seem to be growing, but still is valued expensively.
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.
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.
1.2 Ratios
With a Return On Assets value of -0.58%, BLFY is not doing good in the industry: 95.48% of the companies in the same industry are doing better.
The Return On Equity of BLFY (-3.59%) is worse than 93.97% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.58% | ||
| ROE | -3.59% | ||
| 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.
BLFY has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, BLFY has a worse debt to assets ratio.
2.2 Solvency
BLFY has a debt to FCF ratio of 1.90. This is a very positive value and a sign of high solvency as it would only need 1.90 years to pay back of all of its debts.
The Debt to FCF ratio of BLFY (1.90) is comparable to the rest of the industry.
BLFY has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of BLFY (0.03) is better than 84.42% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 1.9 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.84%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for BLFY have decreased strongly by -40.00% in the last year.
The Revenue for BLFY has decreased by -10.02% in the past year. This is quite bad
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)-10.02%
Revenue growth 3Y-4.68%
Revenue growth 5Y-2.88%
Sales Q2Q%11.94%
3.2 Future
BLFY is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 30.99% yearly.
The Revenue is expected to grow by 18.01% on average over the next years. This is quite good.
EPS Next Y5.29%
EPS Next 2Y30.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year14.88%
Revenue Next 2Y18.01%
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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BLFY is valued more expensive than 83.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 44.08 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A more expensive valuation may be justified as BLFY's earnings are expected to grow with 30.99% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y30.99%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for BLFY!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:BLFY (5/2/2025, 10:51:56 AM)
9.82
+0.23 (+2.4%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners52.73%
Inst Owner Change-0.49%
Ins Owners3.42%
Ins Owner Change0.74%
Market Cap217.02M
Analysts45.71
Price Target10.58 (7.74%)
Short Float %2.36%
Short Ratio8.84
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)1
Avg EPS beat(2)10.57%
Min EPS beat(2)-6.44%
Max EPS beat(2)27.58%
EPS beat(4)3
Avg EPS beat(4)27.63%
Min EPS beat(4)-6.44%
Max EPS beat(4)48.65%
EPS beat(8)7
Avg EPS beat(8)27.31%
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)0
Avg Revenue beat(2)-8.65%
Min Revenue beat(2)-13%
Max Revenue beat(2)-4.31%
Revenue beat(4)2
Avg Revenue beat(4)-0.89%
Min Revenue beat(4)-13%
Max Revenue beat(4)7.32%
Revenue beat(8)2
Avg Revenue beat(8)-3.53%
Revenue beat(12)5
Avg Revenue beat(12)-1.73%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-1.19%
PT rev (3m)-5.68%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.23%
EPS NY rev (1m)0%
EPS NY rev (3m)5.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.3%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | 5.52 | ||
| P/FCF | 44.08 | ||
| P/OCF | 42.86 | ||
| P/B | 0.65 | ||
| P/tB | 0.65 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.56
EYN/A
EPS(NY)-0.16
Fwd EYN/A
FCF(TTM)0.22
FCFY2.27%
OCF(TTM)0.23
OCFY2.33%
SpS1.78
BVpS15.03
TBVpS15.03
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.58% | ||
| ROE | -3.59% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 12.51% |
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 | 1.9 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 4.48% | ||
| Cap/Sales | 0.36% | ||
| 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
WACC10.84%
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 Y5.29%
EPS Next 2Y30.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-10.02%
Revenue growth 3Y-4.68%
Revenue growth 5Y-2.88%
Sales Q2Q%11.94%
Revenue Next Year14.88%
Revenue Next 2Y18.01%
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 1Y127.83%
FCF growth 3YN/A
FCF growth 5Y8.79%
OCF growth 1Y141.78%
OCF growth 3YN/A
OCF growth 5Y-1.39%