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BLUE FOUNDRY BANCORP (BLFY) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:BLFY - US09549B1044 - Common Stock

12.96 USD
+0.13 (+1.01%)
Last: 12/18/2025, 2:22:57 PM
Fundamental Rating

2

BLFY gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 385 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.


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.
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

BLFY has a Return On Assets of -0.53%. This is amonst the worse of the industry: BLFY underperforms 94.03% of its industry peers.
With a Return On Equity value of -3.54%, BLFY is not doing good in the industry: 92.99% of the companies in the same industry are doing better.
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.
Compared to 1 year ago, BLFY has less shares outstanding
The number of shares outstanding for BLFY has been reduced compared to 5 years ago.
BLFY has a worse debt/assets ratio than last year.
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 83.90% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC10.61%
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. Growth

3.1 Past

BLFY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.86%, which is quite good.
Looking at the last year, BLFY shows a quite strong growth in Revenue. The Revenue has grown by 16.48% 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)17.86%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%47.37%
Revenue 1Y (TTM)16.48%
Revenue growth 3Y-4.68%
Revenue growth 5Y-2.88%
Sales Q2Q%39.93%

3.2 Future

The Earnings Per Share is expected to grow by 33.05% 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 18.77% 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. 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 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

BLFY's earnings are expected to grow with 33.05% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y33.47%
EPS Next 3Y33.05%

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0

5. Dividend

5.1 Amount

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

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BLUE FOUNDRY BANCORP

NASDAQ:BLFY (12/18/2025, 2:22:57 PM)

12.96

+0.13 (+1.01%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-29 2025-10-29/bmo
Earnings (Next)01-28 2026-01-28/amc
Inst Owners52.07%
Inst Owner Change-8.49%
Ins Owners3.25%
Ins Owner Change0.3%
Market Cap269.05M
Revenue(TTM)45.68M
Net Income(TTM)-11.38M
Analysts45.71
Price Target9.95 (-23.23%)
Short Float %2.11%
Short Ratio2.51
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)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)-2.5%
PT rev (3m)-1.27%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-2.43%
EPS NY rev (3m)-2.43%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.7%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.02%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 6.32
P/FCF N/A
P/OCF N/A
P/B 0.84
P/tB 0.84
EV/EBITDA N/A
EPS(TTM)-0.46
EYN/A
EPS(NY)-0.12
Fwd EYN/A
FCF(TTM)-0.3
FCFYN/A
OCF(TTM)-0.29
OCFYN/A
SpS2.05
BVpS15.48
TBVpS15.48
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/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
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-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
WACC10.61%
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)17.86%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%47.37%
EPS Next Y23.23%
EPS Next 2Y33.47%
EPS Next 3Y33.05%
EPS Next 5YN/A
Revenue 1Y (TTM)16.48%
Revenue growth 3Y-4.68%
Revenue growth 5Y-2.88%
Sales Q2Q%39.93%
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 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%

BLUE FOUNDRY BANCORP / BLFY FAQ

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

ChartMill assigns a fundamental rating of 2 / 10 to BLFY.


What is the valuation status of BLUE FOUNDRY BANCORP (BLFY) stock?

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


What is the profitability of BLFY stock?

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


What is the financial health of BLUE FOUNDRY BANCORP (BLFY) stock?

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


What is the earnings growth outlook for BLUE FOUNDRY BANCORP?

The Earnings per Share (EPS) of BLUE FOUNDRY BANCORP (BLFY) is expected to grow by 23.23% in the next year.