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Blue Foundry Bancorp(BLFY)Earnings, Financials & Key Ratios
BLFY•NASDAQ•Banking & Credit
$13.24
$275M mkt cap·Price updated May 1, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
AboutBlue Foundry Bancorp operates as a bank holding company for Blue Foundry Bank, a savings bank that offers various banking products and services for individuals and businesses. The company offers deposits; and loans, such as one-to-four family residential property, home equity, commercial real estate, multi-family, construction, commercial and industrial, and other consumer loans, as well as home equity lines of credit. As of December 31, 2021, it operated 17 full-service branch offices located in northern New Jersey. The company was formerly known as Boiling Springs Bancorp and changed its name to Blue Foundry Bancorp in July 2019. Blue Foundry Bancorp was founded in 1939 and is based in Rutherford, New Jersey.Show more
- Net Interest Income$47M+26.2%
- Total Revenue$97M+11.2%
- Net Income-$10M+15.8%
- Return on Equity-3.11%+10.2%
- Net Interest Margin2.19%+19.9%
- Efficiency Ratio58.74%-2.6%
- ROA-0.47%+18.3%
- Equity / Assets14.43%-10.5%
- Book Value per Share15.92+2.9%
- Tangible BV/Share15.92+2.9%
- Debt/Equity1.04-5.5%
BLFY Key Insights
Blue Foundry Bancorp (BLFY) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y profit CAGR of 20.5%
- ✓Momentum leader: RS Rating 80 (top 20%)
- ✓Well capitalized: 14.4% equity/assets
- ✓Share count reduced 8.5% through buybacks
- ✓Trading at only 0.9x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
BLFY Price & Volume
Blue Foundry Bancorp (BLFY) stock price & volume — 10-year historical chart
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BLFY Growth Metrics
Blue Foundry Bancorp (BLFY) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years14.14%
3 Years14.23%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM15.83%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM8.09%
Return on Capital
10 Years-1.92%
5 Years-1.57%
3 Years-1.33%
Last Year-1.46%
BLFY Recent Earnings
Blue Foundry Bancorp (BLFY) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 6/12 qtrs (60%)●Beat Revenue 4/12 qtrs (44%)
Q2 2026Latest
Apr 1, 2026EPS
$0.13
Est $0.10
-30.0%
Revenue
$25M
Est $13M
+98.3%
Q1 2026
Feb 4, 2026EPS
$0.13
Est $0.08
-62.5%
Revenue
—
Est $13M
Q4 2025
Oct 29, 2025EPS
$0.10
Est $0.10
+0.0%
Revenue
$13M
Est $13M
-1.3%
Q3 2025
Jul 30, 2025EPS
$0.10
Est $0.11
+9.1%
Revenue
$12M
Est $13M
-3.9%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 1, 2026 | $0.13vs $0.10-30.0% | $25Mvs $13M+98.3% |
| Q1 2026 | Feb 4, 2026 | $0.13vs $0.08-62.5% | —vs $13M |
| Q4 2025 | Oct 29, 2025 | $0.10vs $0.10+0.0% | $13Mvs $13M-1.3% |
| Q3 2025 | Jul 30, 2025 | $0.10vs $0.11+9.1% | $12Mvs $13M-3.9% |
Based on last 12 quarters of dataView full earnings history →
BLFY Peer Comparison
Blue Foundry Bancorp (BLFY) competitors in Commercial real estate and multifamily lenders — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 NBTB | 2.35B | 45.07 | 13.53 | 10.36% | 9.51% | 0.17 | ||
 KRNY | 508.09M | 8.08 | 19.24 | 5.09% | 4.31% | 1.68 | ||
 NFBK | 588.27M | 14.07 | 19.54 | 13.88% | 5.48% | 1.08 | ||
 CHMG | 331.34M | 68.90 | 22.01 | -6.46% | 6.27% | 0.02 | ||
 OCFC | 1.08B | 18.88 | 16.14 | -4.7% | 4.26% | 0.98 | ||
 DCOM | 1.64B | 37.27 | 15.73 | 13.03% | 7.67% | 0.25 | ||
 FFIC | 543.83M | 16.05 | 29.72 | 11.06% | 2.67% | 0.84 | ||
 BWFG | 415.48M | 52.11 | 11.71 | 6.13% | 12.21% | 0.60 |
Compare BLFY vs Peers
Blue Foundry Bancorp (BLFY) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
BLFY Income Statement
Blue Foundry Bancorp (BLFY) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|
| Net Interest Income | 42.92M | 39.07M | 42.95M | 51.84M | 41.92M | 37.55M | 47.38M |
| NII Growth % | - | -8.98% | 9.93% | 20.71% | -19.14% | -10.42% | 26.19% |
| Net Interest Margin % | 2.31% | 2.01% | 2.24% | 2.54% | 2.05% | 1.82% | 2.19% |
| Interest Income | 64.83M | 61.63M | 56.05M | 62.41M | 79.11M | 85.45M | 95.31M |
| Interest Expense | 21.91M | 22.56M | 13.1M | 10.57M | 37.19M | 47.9M | 47.92M |
| Loan Loss Provision | 1.26M | 3.83M | -1.83M | -1.31M | -441K | -1.35M | 2.12M |
| Non-Interest Income | 2.62M | -11.57M | 2.48M | 2.66M | 1.8M | 1.79M | 1.68M |
| Non-Interest Income % | 3.89% | -23.11% | 4.24% | 4.09% | 2.23% | 2.06% | 1.74% |
| Total Revenue | 67.45M▲ 0% | 50.06M▼ 25.8% | 58.53M▲ 16.9% | 65.08M▲ 11.2% | 80.91M▲ 24.3% | 87.25M▲ 7.8% | 96.99M▲ 11.2% |
| Revenue Growth % | - | -25.78% | 16.93% | 11.18% | 24.33% | 7.83% | 11.17% |
| Non-Interest Expense | 36.96M | 63.04M | 73.98M | 53.09M | 51.56M | 52.6M | 56.97M |
| Efficiency Ratio | 54.79% | 125.94% | 126.39% | 81.57% | 63.73% | 60.3% | 58.74% |
| Operating Income | 7.32M▲ 0% | -39.37M▼ 637.8% | -26.72M▲ 32.1% | 2.73M▲ 110.2% | -7.4M▼ 370.6% | -11.91M▼ 61.0% | -10.03M▲ 15.8% |
| Operating Margin % | 10.85% | -78.65% | -45.66% | 4.2% | -9.14% | -13.65% | -10.34% |
| Operating Income Growth % | - | -637.76% | 32.12% | 110.23% | -370.56% | -61.02% | 15.83% |
| Pretax Income | 7.32M▲ 0% | -39.37M▼ 637.8% | -26.72M▲ 32.1% | 2.73M▲ 110.2% | -7.4M▼ 370.6% | -11.91M▼ 61.0% | -10.03M▲ 15.8% |
| Pretax Margin % | 10.85% | -78.65% | -45.66% | 4.2% | -9.14% | -13.65% | -10.34% |
| Income Tax | 1.84M | -7.87M | 9.62M | 338K | 0 | 0 | 0 |
| Effective Tax Rate % | 25.12% | 19.98% | -35.99% | 12.36% | 0% | 0% | 0% |
| Net Income | 5.48M▲ 0% | -31.51M▼ 674.7% | -36.34M▼ 15.3% | 2.4M▲ 106.6% | -7.4M▼ 408.7% | -11.91M▼ 61.0% | -10.03M▲ 15.8% |
| Net Margin % | 8.13% | -62.94% | -62.09% | 3.68% | -9.14% | -13.65% | -10.34% |
| Net Income Growth % | - | -674.69% | -15.35% | 106.59% | -408.72% | -61.02% | 15.83% |
| Net Income (Continuing) | 5.48M | -31.51M | -36.34M | 2.4M | -7.4M | -11.91M | -10.03M |
| EPS (Diluted) | 0.20▲ 0% | -1.13▼ 665.0% | -1.38▼ 22.1% | 0.09▲ 106.5% | -0.31▼ 444.4% | -0.55▼ 77.4% | -0.51▲ 7.3% |
| EPS Growth % | - | -665% | -22.12% | 106.52% | -444.44% | -77.42% | 7.27% |
| EPS (Basic) | 0.20 | -1.13 | -1.38 | 0.09 | -0.31 | -0.55 | -0.51 |
| Diluted Shares Outstanding | 27.77M | 27.77M | 26.33M | 26.27M | 23.93M | 21.48M | 19.65M |
BLFY Balance Sheet
Blue Foundry Bancorp (BLFY) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 328.44M | 561.03M | 518.34M | 355.43M | 329.79M | 339.53M | 145.26M |
| Cash & Due from Banks | 124.03M | 316.44M | 193.45M | 41.18M | 46.02M | 42.5M | 53.14M |
| Short Term Investments | 204.41M | 244.59M | 324.89M | 314.25M | 283.77M | 297.03M | 92.12M |
| Total Investments | 1.63B | 1.52B | 1.62B | 1.88B | 1.86B | 1.9B | 2B |
| Investments Growth % | - | -6.38% | 6.39% | 15.93% | -0.86% | 1.99% | 5.46% |
| Long-Term Investments | 1.42B | 1.28B | 1.3B | 1.57B | 1.58B | 1.6B | 1.91B |
| Accounts Receivables | 5.39M | 5.75M | 5.37M | 6.89M | 7.59M | 8.01M | 9.29M |
| Goodwill & Intangibles | 15.46M | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 15.46M | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 32.27M | 44.45M | 53.58M | 55.73M | 57.65M | 52.96M | 48.53M |
| Other Assets | 49.13M | 51.9M | 40.45M | 59.85M | 70.1M | 56.59M | 52.66M |
| Total Current Assets | 333.83M | 566.78M | 523.71M | 362.32M | 337.39M | 347.54M | 154.55M |
| Total Non-Current Assets | 1.52B | 1.38B | 1.39B | 1.68B | 1.71B | 1.71B | 2.01B |
| Total Assets | 1.85B▲ 0% | 1.94B▲ 4.8% | 1.91B▼ 1.5% | 2.04B▲ 6.7% | 2.04B▲ 0.1% | 2.06B▲ 0.8% | 2.17B▲ 5.2% |
| Asset Growth % | - | 4.77% | -1.46% | 6.75% | 0.08% | 0.77% | 5.21% |
| Return on Assets (ROA) | 0.3% | -1.66% | -1.88% | 0.12% | -0.36% | -0.58% | -0.47% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 296.9M | 354.94M | 212.2M | 337.82M | 424.28M | 364.67M | 324.43M |
| Net Debt | 172.87M | 38.49M | 18.75M | 296.64M | 378.25M | 322.17M | 271.29M |
| Long-Term Debt | 296.9M | 329.4M | 185.5M | 310.5M | 397.5M | 339.5M | 301M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 24.58M | 25.83M | 25.5M | 22.93M | 20.14M | 20.5M | 20.96M |
| Total Current Liabilities | 1.3B | 1.36B | 1.25B | 1.29B | 1.24B | 1.34B | 1.51B |
| Total Non-Current Liabilities | 321.48M | 380.76M | 237.7M | 360.76M | 444.42M | 385.17M | 345.39M |
| Total Liabilities | 1.62B | 1.74B | 1.48B | 1.65B | 1.69B | 1.73B | 1.86B |
| Total Equity | 237.62M▲ 0% | 205.6M▼ 13.5% | 429.47M▲ 108.9% | 393.72M▼ 8.3% | 355.64M▼ 9.7% | 332.2M▼ 6.6% | 312.74M▼ 5.9% |
| Equity Growth % | - | -13.48% | 108.89% | -8.32% | -9.67% | -6.59% | -5.86% |
| Equity / Assets (Capital Ratio) | 12.82% | 10.58% | 22.44% | 19.27% | 17.39% | 16.12% | 14.43% |
| Return on Equity (ROE) | 2.31% | -14.22% | -11.45% | 0.58% | -1.97% | -3.46% | -3.11% |
| Book Value per Share | 8.56 | 7.40 | 16.31 | 14.99 | 14.86 | 15.47 | 15.92 |
| Tangible BV per Share | 8.00 | 7.40 | 16.31 | 14.99 | 14.86 | 15.47 | 15.92 |
| Common Stock | 10K | 10K | 285K | 285K | 285K | 285K | 285K |
| Additional Paid-in Capital | 822.12K | 822K | 282.01M | 279.45M | 273.99M | 277.3M | 280.75M |
| Retained Earnings | 237.31M | 205.8M | 169.46M | 171.76M | 164.34M | 152.43M | 142.4M |
| Accumulated OCI | -517K | -1.03M | -372K | -24.72M | -22.88M | -18.95M | -16.07M |
| Treasury Stock | 0 | 0 | 0 | -12.07M | -40.02M | -59.7M | -76.38M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
BLFY Cash Flow Statement
Blue Foundry Bancorp (BLFY) cash flow — operating, investing & free cash flow history
| Line item | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|
| Cash from Operations | 5.43M | -1.25M | -14.14M | 2.78M | -12.12M | 5.06M | -8.02M |
| Operating CF Growth % | - | -123.04% | -1029.55% | 119.65% | -536.06% | 141.78% | -258.33% |
| Net Income | 5.48M | -31.51M | -36.34M | 2.4M | -7.4M | -11.91M | -10.03M |
| Depreciation & Amortization | 1.92M | 1.93M | 2.35M | 2.66M | 2.87M | 3.13M | 2.95M |
| Deferred Taxes | 826.28K | -6.45M | 8.73M | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 2.02M | 33.36M | -1.75M | -605K | -2K | -913K | 1.65M |
| Working Capital Changes | -4.82M | 1.41M | 11.6M | -3.49M | -11.36M | 10.7M | -6.58M |
| Cash from Investing | -57.71M | 101.39M | -105.33M | -306.24M | 10.3M | -30.01M | -93.04M |
| Purchase of Investments | -128.51M | -128.57M | -188.32M | -90.79M | -15.52M | -89.26M | -133.49M |
| Sale/Maturity of Investments | 40.34M | 99.28M | 86.22M | 52.53M | 50.76M | 78.63M | 140.44M |
| Net Investment Activity | -88.17M | -29.29M | -102.1M | -38.26M | 35.23M | -10.63M | 6.96M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | 32.66M | 137.98M | 8.67M | -262.62M | -19.36M | -19.24M | -100M |
| Cash from Financing | 141.86M | 92.27M | -3.52M | 151.19M | 6.66M | 21.42M | 111.69M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | -15.35M | -36.01M | -19.42M | -16.27M |
| Stock Issued | 0 | 0 | 250.78M | 0 | 0 | 0 | 21K |
| Net Stock Activity | 0 | 0 | 250.78M | -15.35M | -36.01M | -19.42M | -16.25M |
| Debt Issuance (Net) | 1000K | 1000K | -1000K | 1000K | 1000K | -1000K | -1000K |
| Other Financing | 41.46M | 59.77M | -110.4M | 41.54M | -44.33M | 98.84M | 166.44M |
| Net Change in Cash | 89.58M▲ 0% | 192.41M▲ 114.8% | -123M▼ 163.9% | -152.26M▼ 23.8% | 4.84M▲ 103.2% | -3.52M▼ 172.7% | 10.64M▲ 402.0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 34.45M | 124.03M | 316.44M | 193.45M | 41.18M | 46.02M | 42.5M |
| Cash at End | 124.03M | 316.44M | 193.45M | 41.18M | 46.02M | 42.5M | 53.14M |
| Interest Paid | 21.7M | 22.57M | 12.84M | 10.71M | 36.31M | 48.04M | 47.12M |
| Income Taxes Paid | 1.62M | 167K | 150K | 190K | 96K | 136K | 116K |
| Free Cash Flow | 3.23M▲ 0% | -8.54M▼ 364.6% | -26.04M▼ 204.8% | -2.58M▲ 90.1% | -17.69M▼ 584.3% | 4.92M▲ 127.8% | -8.31M▼ 268.8% |
| FCF Growth % | - | -364.58% | -204.79% | 90.07% | -584.29% | 127.83% | -268.84% |
BLFY Banking Ratios
Blue Foundry Bancorp (BLFY) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 2.31% | -14.22% | -11.45% | 0.58% | -1.97% | -3.46% | -3.11% |
| Return on Assets (ROA) | 0.3% | -1.66% | -1.88% | 0.12% | -0.36% | -0.58% | -0.47% |
| Net Interest Margin | 2.31% | 2.01% | 2.24% | 2.54% | 2.05% | 1.82% | 2.19% |
| Efficiency Ratio | 54.79% | 125.94% | 126.39% | 81.57% | 63.73% | 60.3% | 58.74% |
| Equity / Assets | 12.82% | 10.58% | 22.44% | 19.27% | 17.39% | 16.12% | 14.43% |
| Book Value / Share | 8.56 | 7.4 | 16.31 | 14.99 | 14.86 | 15.47 | 15.92 |
| NII Growth | - | -8.98% | 9.93% | 20.71% | -19.14% | -10.42% | 26.19% |
BLFY SEC Filings & Documents
Blue Foundry Bancorp (BLFY) SEC filings — annual & quarterly reports (10-K, 10-Q)
BLFY Frequently Asked Questions
Blue Foundry Bancorp (BLFY) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Blue Foundry Bancorp (BLFY) grew revenue by 11.2% over the past year. This is steady growth.
Blue Foundry Bancorp (BLFY) reported a net loss of $10.0M for fiscal year 2025.
Dividend & Returns
Blue Foundry Bancorp (BLFY) has a return on equity (ROE) of -3.1%. Negative ROE indicates the company is unprofitable.
Industry Metrics
Blue Foundry Bancorp (BLFY) has a net interest margin (NIM) of 2.2%. NIM has been under pressure due to interest rate environment.
Blue Foundry Bancorp (BLFY) has an efficiency ratio of 58.7%. This is reasonable for a bank.
Explore More BLFY
Blue Foundry Bancorp (BLFY) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
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Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates