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ScreenerBreakoutsCompareWatchlist
BLFYBlue Foundry Bancorp
$13.24$275M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
BLFY logo

Blue Foundry Bancorp

BLFY
NASDAQ · Regional Banks
$13.24
At close - Aug 4, 4:00 PM EDT - USD
Market Cap$275M
P/E-24.1x
52W High$14.74
Volume707.96K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2025Q4

Strategic Transition Pressures Blue Foundry Profitability Metrics

Blue Foundry Bancorp is currently navigating a challenging transition from a mutual thrift to a commercial banking model, characterized by persistent net losses and significant margin compression. While the bank has achieved a 35.2% year-over-year increase in ...

GrowthAccelerating
ProfitabilityNegative
ValuationAttractive
TechnicalsMixed
Explore valuation models
MARKET ACTION

BLFY price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

6/12 Beats

EPS beat 6 of last 12 quarters

02

Valuation risk

-208% Peers

P/E is 208% below peer median

03

Market leadership

RS 80 · Leader

High momentum (Outperforming 80% of market)

04

Mixed Trend

Mixed

Price < 50DMA but > 200DMA

Next CatalystEstimated earnings · Jul 1

Market performance

Price History →

Trailing total returns as of 10/3/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
BLFY+5.84%
S&P 500 (^GSPC)+12.66%
1-Year Return
BLFY+52.01%
S&P 500 (^GSPC)+15.01%
3-Year Return
BLFY+64.47%
S&P 500 (^GSPC)+80.11%
5-Year Return
BLFY-3.00%
S&P 500 (^GSPC)+83.14%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
-24.1x
Forward P/E
N/A
EV/EBITDA
N/A
FCF YieldCash Flow
1.8%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
-24.1x
142.8x
0th· Low
EV/EBITDA
N/A
117.5x
N/A
Price/FCF
55.8x
42.8x
100th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue
$49M+24.7% YoY
Net income
-$10M+15.8% YoY
Free cash flow
-$8M-268.8% YoY
Operating margin
-10.3%+3.3 pts YoY
ROIC (TTM)-1.1%
Avg ROIC 5Y-
ROE (TTM)-3.1%
Piotroski Score6 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate6/12 (60%)
Revenue Beat Rate4/12 (44%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026Latest
Apr 1, 2026
-$0.13-30.0%
vs -$0.10
$25M+98.3%
vs $13M
Q1 2026
Feb 4, 2026
-$0.13-62.5%
vs -$0.08
—
vs $13M
Q4 2025
Oct 29, 2025
-$0.10+0.0%
vs -$0.10
$13M-1.3%
vs $13M
Q3 2025
Jul 30, 2025
-$0.10+9.1%
vs -$0.11
$12M-3.9%
vs $13M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
04

Compare before deciding

Benchmark BLFY against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Blue Foundry Bancorp (BLFY)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
BLFY logoBLFYBlue Foundry BancorpCurrent
$13.24$274.88M-24.0724.71%-10.34%-3.11%—
NBTB logoNBTBNBT Bancorp Inc.
$51.53$2.68B15.4714.54%22.65%11.26%—
KRNY logoKRNYKearny Financial Corp.
$9.32$586.53M22.199.53%20.36%4.77%—
NFBK logoNFBKNorthfield Bancorp, Inc.
$15.31$639.41M773.23-43.3%1.79%0.68%—
CHMG logoCHMGChemung Financial Corporation
$81.93$394.89M26.18-1.92%24.21%12.98%—
OCFC logoOCFCOceanFirst Financial Corp.
$16.78$1.01B14.34-1.7%12.02%2.59%—

Compare BLFY vs Peers

Blue Foundry Bancorp (BLFY) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NBTB

Most directly comparable listed peer for BLFY.

Scale Benchmark

vs ICE

Larger-name benchmark to compare BLFY against a more recognizable public peer.

Peer Set

Compare Top 5

vs NBTB, KRNY, NFBK, CHMG

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

BLFY SEC Filings & Documents

Blue Foundry Bancorp (BLFY) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 1, 2026·SEC

Material company update

Feb 23, 2026·SEC

Material company update

Jan 30, 2026·SEC

10-K Annual Reports

4
FY 2026

Mar 31, 2026·SEC

FY 2025

Mar 27, 2025·SEC

FY 2024

Mar 27, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 13, 2025·SEC

FY 2025

Aug 12, 2025·SEC

FY 2025

May 12, 2025·SEC

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BLFY Frequently Asked Questions

Blue Foundry Bancorp (BLFY) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Blue Foundry Bancorp growing?

Blue Foundry Bancorp (BLFY) grew revenue by 24.7% over the past year. This is strong growth.

Is BLFY profitable?

Blue Foundry Bancorp (BLFY) reported a net loss of $10.0M for fiscal year 2025.

Dividend & Returns
What is BLFY's return on equity?

Blue Foundry Bancorp (BLFY) has a return on equity (ROE) of -3.1%. Negative ROE indicates the company is unprofitable.

Industry Metrics
What is Blue Foundry Bancorp's net interest margin?

Blue Foundry Bancorp (BLFY) has a net interest margin (NIM) of 2.2%. NIM has been under pressure due to interest rate environment.

What is Blue Foundry Bancorp's efficiency ratio?

Blue Foundry Bancorp (BLFY) has an efficiency ratio of 58.7%. This is reasonable for a bank.

What if you invested $1,000 in BLFY back in 2019?

Total return calculator · dividends reinvested · 7+ years of data

See returns →