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BLUE FOUNDRY BANCORP (BLFY) Stock Fundamental Analysis

NASDAQ:BLFY - Nasdaq - US09549B1044 - Common Stock - Currency: USD

9.64  -0.06 (-0.62%)

After market: 9.64 0 (0%)

Fundamental Rating

1

We assign a fundamental rating of 1 out of 10 to BLFY. BLFY was compared to 405 industry peers in the Banks industry. BLFY has a bad profitability rating. Also its financial health evaluation is rather negative. BLFY has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

In the past year BLFY has reported negative net income.
In the past year BLFY has reported a negative cash flow from operations.
BLFY had negative earnings in 4 of the past 5 years.
In the past 5 years BLFY reported 4 times negative operating cash flow.
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

The Return On Assets of BLFY (-0.59%) is worse than 97.49% of its industry peers.
The Return On Equity of BLFY (-3.58%) is worse than 95.24% of its industry peers.
Industry RankSector Rank
ROA -0.59%
ROE -3.58%
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. Health

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
BLFY has less shares outstanding than it did 5 years ago.
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

BLFY has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
BLFY has a better Debt to Equity ratio (0.03) than 84.96% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC10%
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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3

3. Growth

3.1 Past

BLFY shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -75.00%.
Looking at the last year, BLFY shows a very negative growth in Revenue. The Revenue has decreased by -10.03% in the last year.
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%0%
Revenue 1Y (TTM)-10.03%
Revenue growth 3Y-4.68%
Revenue growth 5Y-2.88%
Sales Q2Q%8.12%

3.2 Future

The Earnings Per Share is expected to grow by 30.99% on average over the next years. This is a very strong growth
Based on estimates for the next years, BLFY will show a quite strong growth in Revenue. The Revenue will grow by 18.01% on average per year.
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.
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 2019 2020 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

The Price/Earnings Ratio is negative for BLFY. In the last year negative earnings were reported.
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 10 -10 20

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

BLFY's earnings are expected to grow with 30.99% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y30.99%
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 (2/21/2025, 8:03:44 PM)

After market: 9.64 0 (0%)

9.64

-0.06 (-0.62%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29 2025-01-29/bmo
Earnings (Next)N/A N/A
Inst Owners52.73%
Inst Owner Change-68.58%
Ins Owners3.42%
Ins Owner Change3.32%
Market Cap217.09M
Analysts45.71
Price Target10.71 (11.1%)
Short Float %1.96%
Short Ratio7.79
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)1
Avg EPS beat(2)21.1%
Min EPS beat(2)-6.44%
Max EPS beat(2)48.65%
EPS beat(4)3
Avg EPS beat(4)23.83%
Min EPS beat(4)-6.44%
Max EPS beat(4)48.65%
EPS beat(8)7
Avg EPS beat(8)38.59%
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)-2.84%
Min Revenue beat(2)-13%
Max Revenue beat(2)7.32%
Revenue beat(4)2
Avg Revenue beat(4)-1.62%
Min Revenue beat(4)-13%
Max Revenue beat(4)7.32%
Revenue beat(8)2
Avg Revenue beat(8)-3.62%
Revenue beat(12)6
Avg Revenue beat(12)-0.87%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-4.55%
PT rev (3m)1.2%
EPS NQ rev (1m)-0.28%
EPS NQ rev (3m)-0.28%
EPS NY rev (1m)5.28%
EPS NY rev (3m)5.28%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)-0.06%
Revenue NY rev (1m)-1.05%
Revenue NY rev (3m)-1.14%
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 0.64
P/tB 0.64
EV/EBITDA N/A
EPS(TTM)-0.56
EYN/A
EPS(NY)-0.53
Fwd EYN/A
FCF(TTM)-0.13
FCFYN/A
OCF(TTM)-0.07
OCFYN/A
SpS1.74
BVpS15.07
TBVpS15.07
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.59%
ROE -3.58%
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-Score2
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 40.63%
Cap/Sales 3.26%
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-Score2
WACC10%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
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%0%
EPS Next Y5.29%
EPS Next 2Y30.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-10.03%
Revenue growth 3Y-4.68%
Revenue growth 5Y-2.88%
Sales Q2Q%8.12%
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 1Y65.53%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y54.64%
OCF growth 3YN/A
OCF growth 5YN/A