Blue Foundry Bancorp (BLFY) quarterly income statement — complete revenue, gross profit & net income history
Blue Foundry Bancorp (BLFY) annual income statement — 7-year revenue, gross profit & net income history
| Metric | 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 |
|---|
| Net Interest Income | 12.81M | 12.19M | 11.64M | 10.74M | 9.47M | 9.09M | 9.57M | 9.42M | 9.2M | 9.88M | 10.91M | 11.94M | 12.93M | 13.81M | 13.16M | 11.94M | 12.34M | 11.1M | 9.91M | 9.6M |
| NII Growth % | 35.22% | 34.16% | 21.59% | 14.09% | 3.01% | -7.99% | -12.22% | -21.14% | -28.86% | -28.51% | -17.14% | 0.02% | 4.79% | 24.41% | 32.84% | 24.38% | 32.36% | - | - | - |
| Net Interest Margin % | 0.59% | 0.57% | 0.55% | 0.51% | 0.46% | 0.44% | 0.47% | 0.46% | 0.45% | 0.48% | 0.52% | 0.57% | 0.63% | 0.69% | 0.67% | 0.62% | 0.64% | 0.55% | 0.38% | 0.49% |
| Interest Income | 25.02M | 24.13M | 23.44M | 22.71M | 21.79M | 21.53M | 21.29M | 20.84M | 20.34M | 20.17M | 19.77M | 18.83M | 17.57M | 16.37M | 14.88M | 13.59M | 14.23M | 14.07M | 13.8M | 13.94M |
| Interest Expense | 12.21M | 11.94M | 11.8M | 11.97M | 12.31M | 12.45M | 11.72M | 11.43M | 11.14M | 10.3M | 8.86M | 6.89M | 4.64M | 2.56M | 1.72M | 1.66M | 1.9M | 2.97M | 3.89M | 4.34M |
| Loan Loss Provision | 870K | 589K | 463K | 201K | -301K | 248K | -762K | -535K | 156K | -717K | 143K | -23K | -427K | -249K | 486K | -1.12M | -671K | 907K | -1.03M | -1.04M |
| Non-Interest Income | 468K | 416K | 405K | 394K | 420K | 387K | 536K | 451K | 572K | 369K | 380K | 484K | 444K | 799K | 494K | 927K | 621K | 489K | 706K | 645K |
| Non-Interest Income % | 3.52% | 3.3% | 3.36% | 3.54% | 4.25% | 4.08% | 5.3% | 4.57% | 5.86% | 3.6% | 3.37% | 3.9% | 3.32% | 5.47% | 3.62% | 7.21% | 4.79% | 4.22% | 6.65% | 6.3% |
| Total Net Revenue | 13.28M | 12.61M | 12.04M | 11.14M | 9.89M | 9.47M | 10.11M | 9.87M | 9.77M | 10.24M | 11.29M | 12.43M | 13.37M | 14.61M | 13.66M | 12.87M | 12.96M | 11.59M | 10.61M | 10.24M |
| Revenue Growth % | 34.21% | 33.07% | 19.15% | 12.87% | 1.28% | -7.53% | -10.43% | -20.58% | -26.95% | -29.9% | -17.36% | -3.43% | 3.2% | 26.06% | 28.66% | 25.6% | 29.79% | - | - | - |
| Non-Interest Expense | 15.91M | 13.89M | 13.54M | 13.63M | 12.88M | 13.27M | 13.21M | 13.24M | 12.54M | 12.39M | 12.97M | 13.66M | 13.07M | 13.5M | 13.13M | 13.39M | 17.15M | 31.87M | 12.36M | 12.58M |
| Efficiency Ratio | 119.87% | 110.15% | 112.4% | 122.36% | 130.2% | 140.04% | 130.73% | 134.19% | 128.41% | 120.98% | 114.9% | 109.92% | 97.77% | 92.37% | 96.13% | 104.04% | 132.35% | 274.93% | 116.45% | 122.79% |
| Operating Income | -3.51M | -1.87M | -1.96M | -2.69M | -2.69M | -4.04M | -2.34M | -2.84M | -2.93M | -1.43M | -1.82M | -1.21M | 725K | 1.36M | 43K | 602K | -3.52M | -21.19M | -720K | -1.3M |
| Operating Margin % | -26.42% | -14.82% | -16.25% | -24.17% | -27.16% | -42.65% | -23.19% | -28.77% | -30.01% | -13.98% | -16.17% | -9.73% | 5.42% | 9.33% | 0.31% | 4.68% | -27.17% | -182.76% | -6.78% | -12.65% |
| Operating Income Growth % | -30.55% | 53.77% | 16.51% | 5.18% | 8.32% | -182.19% | -28.44% | -134.82% | -504.28% | -204.99% | -4344.19% | -300.83% | 120.59% | 106.44% | 105.97% | 146.45% | -12.16% | - | - | - |
| Pretax Income | -3.51M | -1.87M | -1.96M | -2.69M | -2.69M | -4.04M | -2.34M | -2.84M | -2.93M | -1.43M | -1.82M | -1.21M | 725K | 1.36M | 43K | 602K | -3.52M | -21.19M | -720K | -1.3M |
| Pretax Margin % | -26.42% | -14.82% | -16.25% | -24.17% | -27.16% | -42.65% | -23.19% | -28.77% | -30.01% | -13.98% | -16.17% | -9.73% | 5.42% | 9.33% | 0.31% | 4.68% | -27.17% | -182.76% | -6.78% | -12.65% |
| Income Tax | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 163K | 123K | 3K | 49K | 16.1M | -6.22M | 283K | -551K |
| Effective Tax Rate % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 22.48% | 9.02% | 6.98% | 8.14% | -457.34% | 29.34% | -39.31% | 42.52% |
| Net Income | -3.51M | -1.87M | -1.96M | -2.69M | -2.69M | -4.04M | -2.34M | -2.84M | -2.93M | -1.43M | -1.82M | -1.21M | 562K | 1.24M | 40K | 553K | -19.62M | -14.97M | -1M | -745K |
| Net Margin % | -26.42% | -14.82% | -16.25% | -24.17% | -27.16% | -42.65% | -23.19% | -28.77% | -30.01% | -13.98% | -16.17% | -9.73% | 4.2% | 8.49% | 0.29% | 4.3% | -151.45% | -129.13% | -9.45% | -7.27% |
| Net Income Growth % | -30.55% | 53.77% | 16.51% | 5.18% | 8.32% | -182.19% | -28.44% | -134.82% | -621.53% | -215.39% | -4662.5% | -318.63% | 102.86% | 108.29% | 103.99% | 174.23% | -1013.61% | - | - | - |
| Net Income (Continuing) | -3.51M | -1.87M | -1.96M | -2.69M | -2.69M | -4.04M | -2.34M | -2.84M | -2.93M | -1.43M | -1.82M | -1.21M | 562K | 1.24M | 40K | 553K | -19.62M | -14.97M | -1M | -745K |
| EPS (Diluted) | -0.19 | -0.10 | -0.10 | -0.13 | -0.13 | -0.19 | -0.11 | -0.13 | -0.13 | -0.06 | -0.08 | -0.05 | 0.02 | 0.05 | 0.00 | 0.02 | -0.75 | -0.57 | -0.04 | -0.03 |
| EPS Growth % | -46.15% | 49.42% | 10.36% | 0% | 0% | -216.67% | -37.5% | -160% | -750% | -220% | - | -350% | 102.67% | 108.77% | 104.16% | 174.63% | -1081.1% | - | - | - |
| EPS (Basic) | -0.19 | -0.10 | -0.10 | -0.13 | -0.13 | -0.19 | -0.11 | -0.13 | -0.13 | -0.06 | -0.08 | -0.05 | 0.02 | 0.05 | 0.00 | 0.02 | -0.75 | -0.57 | -0.04 | -0.03 |
| Diluted Shares Outstanding | 19.65M | 19.89M | 20.12M | 20.41M | 20.83M | 21.26M | 21.73M | 22.09M | 22.85M | 23.28M | 24.25M | 25.89M | 26.01M | 26.25M | 26.37M | 26.34M | 26.31M | 26.24M | 27.77M | 27.77M |