Last 21 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 | Q1 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | -24.07 | — | — | — | — | — | — | — | — | — | — | — | — | 160.63 | 55.75 | 1998.33 | 169.38 | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| P/S Ratio | 5.60 | 4.60 | 3.59 | 4.00 | 4.21 | 5.16 | 5.75 | 4.88 | 5.24 | 5.65 | 4.75 | 5.43 | 4.96 | 6.25 | 5.01 | 5.79 | 6.94 | 7.43 | 7.80 | — | — |
| — | -10.9% | -37.7% | -18.0% | -19.6% | -8.7% | +21.0% | -10.2% | +5.7% | -9.5% | -5.0% | -6.2% | -28.5% | -15.8% | -35.8% | — | — | — | — | — | — | |
| P/B Ratio | 0.86 | 0.78 | 0.58 | 0.60 | 0.57 | 0.62 | 0.64 | 0.57 | 0.59 | 0.62 | 0.54 | 0.67 | 0.64 | 0.85 | 0.74 | 0.77 | 0.85 | 0.90 | 0.81 | — | — |
| — | +27.0% | -10.5% | +5.1% | -2.7% | -1.0% | +18.4% | -14.7% | -7.6% | -26.8% | -26.3% | -12.8% | -24.8% | -5.3% | -8.8% | — | — | — | — | — | — | |
| P/FCF | 55.84 | — | — | 25.55 | — | — | — | 3.49 | — | — | — | — | — | 105.91 | 25.16 | — | — | — | — | — | — |
| — | — | — | +632.8% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| EV / EBITDA | — | — | — | — | — | — | — | — | — | — | — | — | 1086.92 | 111.55 | 67.78 | 178.36 | 94.53 | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | +1049.8% | — | — | — | — | — | — | — | — | |
| EV / EBIT | — | — | — | — | — | — | — | — | — | — | — | — | — | 217.55 | 102.22 | 2862.14 | 193.93 | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 | Q1 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 48.4% | 48.7% | 49.0% | 48.6% | 47.3% | 45.9% | 42.1% | 49.8% | 48.9% | 46.0% | 53.4% | 55.3% | 64.4% | 76.6% | 86.6% | 85.7% | 96.3% | 91.7% | 73.4% | 80.2% | 77.3% |
| — | +6.0% | +16.3% | -2.5% | -3.1% | -0.1% | -21.1% | -10.0% | -24.2% | -40.0% | -38.3% | -35.4% | -33.1% | -16.5% | +18.0% | +6.8% | +24.5% | +52.8% | — | — | — | |
| Operating Margin | -10.3% | -13.8% | -7.6% | -8.2% | -11.7% | -12.1% | -18.4% | -10.7% | -13.3% | -14.0% | -7.0% | -9.1% | -6.3% | 4.0% | 7.9% | 0.3% | 4.1% | -23.7% | -145.5% | -5.0% | -8.9% |
| — | -13.7% | +58.7% | +23.6% | +12.6% | +13.7% | -164.5% | -18.5% | -113.0% | -448.3% | -187.8% | -3338.9% | -251.0% | +117.0% | +105.5% | +105.6% | +146.7% | -12.0% | — | — | — | |
| Net Margin | -10.3% | -13.8% | -7.6% | -8.2% | -11.7% | -12.1% | -18.4% | -10.7% | -13.3% | -14.0% | -7.0% | -9.1% | -6.3% | 3.1% | 7.2% | 0.3% | 3.8% | -132.1% | -102.8% | -6.9% | -5.1% |
| — | -13.7% | +58.7% | +23.6% | +12.6% | +13.7% | -164.5% | -18.5% | -113.0% | -549.3% | -196.5% | -3581.7% | -264.4% | +102.4% | +107.0% | +103.8% | +174.6% | -1012.3% | — | — | — |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 | Q1 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -3.1% | -1.1% | -0.6% | -0.6% | -0.8% | -0.8% | -1.2% | -0.7% | -0.8% | -0.8% | -0.4% | -0.5% | -0.3% | 0.1% | 0.3% | 0.0% | 0.1% | -4.5% | -4.6% | -0.5% | -0.4% |
| — | -39.8% | +50.2% | +10.4% | -1.6% | +2.4% | -199.0% | -38.9% | -159.3% | -677.1% | -228.7% | -5154.2% | -338.2% | +103.2% | +106.7% | +102.0% | +135.9% | -421.7% | — | — | — | |
| ROA | -0.5% | -0.2% | -0.1% | -0.1% | -0.1% | -0.1% | -0.2% | -0.1% | -0.1% | -0.1% | -0.1% | -0.1% | -0.1% | 0.0% | 0.1% | 0.0% | 0.0% | -1.0% | -0.7% | -0.0% | -0.0% |
| — | -24.3% | +55.8% | +19.4% | +7.0% | +8.5% | -184.8% | -31.8% | -139.1% | -615.5% | -210.9% | -4257.1% | -303.1% | +102.8% | +109.6% | +104.8% | +175.3% | -998.7% | — | — | — | |
| ROIC | -1.1% | -0.4% | -0.2% | -0.2% | -0.3% | -0.3% | -0.4% | -0.2% | -0.3% | -0.3% | -0.1% | -0.2% | -0.1% | 0.1% | 0.2% | 0.0% | 0.1% | -0.4% | -2.5% | -0.1% | -0.2% |
| — | -42.2% | +51.0% | +12.8% | -2.8% | -2.0% | -212.8% | -46.1% | -145.6% | -474.1% | -190.4% | -3392.2% | -263.2% | +119.4% | +106.0% | +105.2% | +140.7% | +7.9% | — | — | — |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 | Q1 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.04 | 1.04 | 1.09 | 1.14 | 1.10 | 1.10 | 1.10 | 1.07 | 1.05 | 1.19 | 1.20 | 1.17 | 1.17 | 0.86 | 0.81 | 0.56 | 0.50 | 0.49 | 0.61 | 1.67 | 1.70 |
| — | -5.5% | -0.8% | +7.0% | +4.3% | -8.0% | -7.8% | -8.5% | -9.8% | +39.0% | +47.6% | +108.3% | +131.9% | +73.7% | +32.3% | -66.5% | -70.4% | -71.4% | — | — | — | |
| Debt / EBITDA | — | — | — | — | — | — | — | — | — | — | — | — | 3063.26 | 238.91 | 156.72 | 334.73 | 171.32 | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | +1688.0% | — | — | — | — | — | — | — | — | |
| Current Ratio | 0.10 | 0.10 | 87.63 | 0.24 | 0.25 | 0.26 | 0.28 | 0.28 | 0.25 | 0.27 | 0.27 | 0.28 | 0.30 | 0.28 | 0.30 | 0.32 | 0.38 | 0.42 | 0.51 | 0.61 | 0.41 |
| — | -60.4% | +30689.5% | -15.3% | -2.8% | -4.5% | +3.7% | -0.1% | -15.8% | -3.6% | -9.8% | -12.3% | -20.2% | -33.1% | -40.3% | -47.8% | -8.9% | +0.5% | — | — | — | |
| Quick Ratio | 0.10 | 0.10 | 87.63 | 0.24 | 0.25 | 0.26 | 0.28 | 0.28 | 0.25 | 0.27 | 0.27 | 0.28 | 0.30 | 0.28 | 0.30 | 0.32 | 0.38 | 0.42 | 0.51 | 0.61 | 0.41 |
| — | -60.4% | +30689.5% | -15.3% | -2.8% | -4.5% | +3.7% | -0.1% | -15.8% | -3.6% | -9.8% | -12.3% | -20.2% | -33.1% | -40.3% | -47.8% | -8.9% | +0.5% | — | — | — | |
| Interest Coverage | -0.21 | -0.29 | -0.16 | -0.17 | -0.22 | -0.22 | -0.32 | -0.20 | -0.25 | -0.26 | -0.14 | -0.21 | -0.18 | 0.16 | 0.53 | 0.03 | 0.36 | -1.85 | -7.14 | -0.18 | -0.30 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 21 years · Updated daily
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Quick answers to the most common questions about buying BLFY stock.
Blue Foundry Bancorp's current P/E is -24.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Blue Foundry Bancorp's current operating margin is -10.3%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Blue Foundry Bancorp's business trajectory between earnings reports.