Latest Ratios: P/E Ratio -24.1x · EV/EBITDA N/A · ROE -3.1%. (2019–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Market Cap | $275M | $244M | $211M | $231M | $338M | $385M | — | — |
| Enterprise Value | $597M | $516M | $533M | $610M | $634M | $404M | — | — |
| P/E Ratio → | -24.07 | — | — | — | 142.78 | — | — | — |
| P/S Ratio | 3.15 | 2.52 | 2.41 | 2.86 | 5.19 | 6.58 | — | — |
| P/B Ratio | 0.86 | 0.78 | 0.63 | 0.65 | 0.86 | 0.90 | — | — |
| P/FCF | 55.84 | — | 42.80 | — | — | — | — | — |
| P/OCF | 54.29 | — | 41.61 | — | 121.48 | — | — | — |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 5.32 | 6.11 | 7.53 | 9.75 | 6.90 | — | — |
| EV / EBITDA | — | — | — | — | 117.54 | — | — | — |
| EV / EBIT | — | — | — | — | 231.98 | — | — | — |
| EV / FCF | — | — | 108.24 | — | — | — | — | — |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 48.4% | 48.4% | 46.6% | 54.6% | 85.8% | 80.7% | 47.3% | 65.6% |
| Operating Margin | -10.3% | -10.3% | -13.7% | -9.1% | 4.2% | -45.7% | -78.7% | 10.9% |
| Net Profit Margin | -10.3% | -10.3% | -13.7% | -9.1% | 3.7% | -62.1% | -62.9% | 8.1% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| ROE | -3.1% | -3.1% | -3.5% | -2.0% | 0.6% | -11.4% | -14.2% | 2.3% |
| ROA | -0.5% | -0.5% | -0.6% | -0.4% | 0.1% | -1.9% | -1.7% | 0.3% |
| ROIC | -1.1% | -1.1% | -1.2% | -0.7% | 0.3% | -3.3% | -5.4% | 1.0% |
| ROCE | -1.5% | -1.5% | -1.6% | -1.0% | 0.4% | -4.3% | -6.9% | 1.3% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.04 | 1.04 | 1.10 | 1.19 | 0.86 | 0.49 | 1.73 | 1.25 |
| Debt / EBITDA | — | — | — | — | 62.61 | — | — | 32.13 |
| Net Debt / Equity | — | 0.87 | 0.97 | 1.06 | 0.75 | 0.04 | 0.19 | 0.73 |
| Net Debt / EBITDA | — | — | — | — | 54.97 | — | — | 18.71 |
| Debt / FCF | — | — | 65.44 | — | — | — | — | 53.52 |
| Interest Coverage | -0.21 | -0.21 | -0.25 | -0.20 | 0.26 | -2.04 | -1.75 | 0.33 |
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.10 | 0.10 | 0.26 | 0.27 | 0.28 | 0.42 | 0.42 | 0.26 |
| Quick Ratio | 0.10 | 0.10 | 0.26 | 0.27 | 0.28 | 0.42 | 0.42 | 0.26 |
| Cash Ratio | 0.04 | 0.04 | 0.03 | 0.04 | 0.03 | 0.16 | 0.23 | 0.10 |
| Asset Turnover | — | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 | 0.03 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | — | — | 0.7% | — | — | — |
| FCF Yield | 1.8% | — | 2.3% | — | — | — | — | — |
| Buyback Yield | 7.1% | — | — | — | — | — | — | — |
| Total Shareholder Yield | 7.1% | — | — | — | — | — | — | — |
| Shares Outstanding | — | $20M | $21M | $24M | $26M | $26M | $28M | $28M |
Regional Real Estate Concentration
Based on reported figures, BLFY trades at a P/B ratio of 0.86, which suggests that the market is currently pricing the institution at a discount to its tangible book value while awaiting a clearer path toward sustainable profitability following its recent mutual-to-stock conversion.
The current valuation multiple indicates that investors are skeptical of the bank's ability to generate a competitive return on tangible equity in the near term. This discount appears to reflect the market's wait-and-see approach regarding whether the bank will eventually pursue a second-step conversion or a strategic sale once regulatory restrictions expire.
As reported in financial statements, the bank's ROE has remained consistently negative, reaching -1.1% in 2025Q4, which highlights the significant drag that elevated operating expenses and a high capital base exert on the institution's ability to generate meaningful shareholder returns during this transition phase.
The DuPont decomposition reveals that profitability is currently hampered by an inability to leverage the massive capital influx from the IPO effectively. Until the bank can scale its commercial loan portfolio to improve asset utilization, the return on equity will likely remain suppressed by the high cost of its ongoing brand and technology modernization.
According to recent quarterly data, the net interest margin remains thin at 0.6%, while the efficiency ratio has fluctuated between 56.6% and 62.4%, indicating that the bank is struggling to balance competitive deposit pricing with the high fixed costs of its physical branch network.
The persistent margin compression suggests that the bank's legacy residential mortgage book is not repricing fast enough to offset the rising cost of interest-bearing deposits in the competitive New Jersey market. Investors should monitor whether the efficiency ratio can trend downward as the bank achieves greater scale, as current levels suggest significant operating leverage is yet to be realized.
Based on the latest balance sheet data, the bank maintains an equity-to-assets ratio of 0.14, which provides a substantial capital cushion that appears to be the primary defense against the ongoing operational losses incurred during the bank's pivot toward a more commercial-focused business model.
This high level of capitalization is typical for recently converted mutuals and serves as a vital buffer while the bank navigates its current negative earnings profile. While this capital strength supports long-term stability, it also necessitates a disciplined deployment strategy to avoid further diluting returns on equity as the bank seeks to grow its loan book.
The most commonly misapplied metric for BLFY is the P/E ratio, which, at -24.07, obscures the bank's underlying value by focusing on temporary accounting losses rather than the tangible book value that serves as the primary floor for recently converted mutual institutions.
Using P/E to evaluate a bank in a heavy investment phase is misleading because it fails to account for the non-cash expenses and the massive capital base that has not yet been fully deployed. Analysts should instead prioritize P/TBV and monitor the trajectory of tangible book value per share as a more reliable indicator of the bank's intrinsic value and potential for future capital return.
Includes 30+ ratios · 7 years · Updated daily
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Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying BLFY stock.
Blue Foundry Bancorp's current P/E ratio is -24.1x. The historical average is 142.8x.
Blue Foundry Bancorp's return on equity (ROE) is -3.1%. The historical average is -4.5%.
Based on historical data, Blue Foundry Bancorp is trading at a P/E of -24.1x. Compare with industry peers and growth rates for a complete picture.
Blue Foundry Bancorp has 48.4% gross margin and -10.3% operating margin.