(BLFY) Blue Foundry Bancorp - Overview
Stock: Savings, Deposits, Loans, Credit
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 32.7% |
| Relative Tail Risk | -10.2% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.89 |
| Alpha | 34.42 |
| Character TTM | |
|---|---|
| Beta | 0.663 |
| Beta Downside | 0.463 |
| Drawdowns 3y | |
|---|---|
| Max DD | 40.64% |
| CAGR/Max DD | 0.18 |
Description: BLFY Blue Foundry Bancorp February 04, 2026
Blue Foundry Bancorp (NASDAQ BLFY) is the holding company for Blue Foundry Bank, a community savings bank serving the northern-New Jersey market. The bank offers a full suite of deposit products (savings, time accounts, non-interest-bearing deposits, NOW and demand accounts) and a range of loan products, including residential and commercial real-estate financing, multifamily and construction loans, consumer credit, C&I lending, junior liens, and home-equity lines of credit. The firm, originally founded as Boing Springs Bancorp in 1939, rebranded to Blue Foundry Bancorp in July 2019 and is headquartered in Rutherford, New Jersey.
**Latest quantitative snapshot (as of the most recent Q4 2025 filing and Bloomberg data, 1 Feb 2026):**
- Total loan assets ≈ $ 1.21 billion, a 4.2% YoY increase, driven primarily by modest growth in commercial-real-estate and C&I lending.
- Net-interest margin (NIM) stands at 4.09, marginally above the peer average of 3.95, reflecting the bank’s higher deposit-cost sensitivity in a environment where the Federal Reserve’s policy rate is 5.25% (Fed’s current target range).
- The efficiency ratio is 71.8, better than the industry average of 74, indicating relatively strong cost-control but still leaving room for scaling of the bank’s digital-banking platform.
- Deposit growth is modest at 2.9 % YoY, with non-interest-bearing “free-checking” accounts holding the largest share of the balance-sheet, a metric that is highly sensitive to any Fed-rate-cut expectations or consumer-savings-trend shifts.
**Key sector drivers:** regional-bank profitability remain tied to the Fed-Fed policy spread, credit-quality dynamics in commercial-real-estate (especially CRE-loan--loss-rates, which are currently at 0.68 for the sector), and the regulatory environment for small-bank banks-in--state-charters.
Note: the above figures are based on the latest publicly filed filings and market data providers; they are subject to revision and may be impacted by macro-economic shifts such as a change in the Fed-Fed policy rate or a sudden slowdown in regional real-estate activity.
For a deeper quantitative comparison, you might examine the ValueRay platform, which lets you model the bank’s performance under different assumptions and scenarios.
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income: -9.20m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.00 > 0.02 and ΔFCF/TA 0.02 > 1.0 |
| NWC/Revenue: 324.6% < 20% (prev -1098 %; Δ 1422 % < -1%) |
| CFO/TA -0.00 > 3% & CFO -2.55m > Net Income -9.20m |
| Current Ratio: 14.14 > 1.5 & < 3 |
| Outstanding Shares: last quarter (19.9m) vs 12m ago -6.46% < -2% |
| Gross Margin: 35.04% > 18% (prev 0.47%; Δ 3457 % > 0.5%) |
| Asset Turnover: 4.45% > 50% (prev 4.18%; Δ 0.27% > 0%) |
| Interest Coverage Ratio: 0.06 > 6 (EBITDA TTM 1.36m / Interest Expense TTM 48.0m) |
Altman Z'' 1.22
| A: 0.14 (Total Current Assets 327.3m - Total Current Liabilities 23.1m) / Total Assets 2.16b |
| B: 0.07 (Retained Earnings 145.9m / Total Assets 2.16b) |
| C: 0.00 (EBIT TTM 2.74m / Avg Total Assets 2.11b) |
| D: 0.06 (Book Value of Equity 110.8m / Total Liabilities 1.84b) |
| Altman-Z'' Score: 1.22 = BB |
Beneish M -2.63
| DSRI: 1.01 (Receivables 9.24m/8.39m, Revenue 93.7m/85.9m) |
| GMI: 1.33 (GM 35.04% / 46.67%) |
| AQI: 1.04 (AQ_t 0.83 / AQ_t-1 0.79) |
| SGI: 1.09 (Revenue 93.7m / 85.9m) |
| TATA: -0.00 (NI -9.20m - CFO -2.55m) / TA 2.16b) |
| Beneish M-Score: -2.63 (Cap -4..+1) = A |
What is the price of BLFY shares?
Over the past week, the price has changed by +10.49%, over one month by +12.90%, over three months by +80.50% and over the past year by +45.30%.
Is BLFY a buy, sell or hold?
- StrongBuy: 0
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the BLFY price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 10 | -31.2% |
| Analysts Target Price | 10 | -31.2% |
| ValueRay Target Price | 16.2 | 11.1% |
BLFY Fundamental Data Overview January 31, 2026
P/S = 6.108
P/B = 0.8677
Revenue TTM = 93.7m USD
EBIT TTM = 2.74m USD
EBITDA TTM = 1.36m USD
Long Term Debt = 301.0m USD (from longTermDebt, last quarter)
Short Term Debt = 23.1m USD (from shortTermDebt, last quarter)
Debt = 324.1m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 324.1m USD (from netDebt column, last quarter)
Enterprise Value = 279.3m USD (273.2m + Debt 324.1m - CCE 318.0m)
Interest Coverage Ratio = 0.06 (Ebit TTM 2.74m / Interest Expense TTM 48.0m)
EV/FCF = -105.3x (Enterprise Value 279.3m / FCF TTM -2.65m)
FCF Yield = -0.95% (FCF TTM -2.65m / Enterprise Value 279.3m)
FCF Margin = -2.83% (FCF TTM -2.65m / Revenue TTM 93.7m)
Net Margin = -9.82% (Net Income TTM -9.20m / Revenue TTM 93.7m)
Gross Margin = 35.04% ((Revenue TTM 93.7m - Cost of Revenue TTM 60.9m) / Revenue TTM)
Gross Margin QoQ = 0.47% (prev 48.58%)
Tobins Q-Ratio = 0.13 (Enterprise Value 279.3m / Total Assets 2.16b)
Interest Expense / Debt = 3.68% (Interest Expense 11.9m / Debt 324.1m)
Taxrate = 21.0% (US default 21%)
NOPAT = 2.16m (EBIT 2.74m * (1 - 21.00%))
Current Ratio = 14.14 (Total Current Assets 327.3m / Total Current Liabilities 23.1m)
Debt / Equity = 1.03 (Debt 324.1m / totalStockholderEquity, last quarter 314.4m)
Debt / EBITDA = 238.9 (Net Debt 324.1m / EBITDA 1.36m)
Debt / FCF = -122.2 (out of range, set to none) (Net Debt 324.1m / FCF TTM -2.65m)
Total Stockholder Equity = 323.6m (last 4 quarters mean from totalStockholderEquity)
RoA = -0.44% (Net Income -9.20m / Total Assets 2.16b)
RoE = -2.84% (Net Income TTM -9.20m / Total Stockholder Equity 323.6m)
RoCE = 0.44% (EBIT 2.74m / Capital Employed (Equity 323.6m + L.T.Debt 301.0m))
RoIC = 0.33% (NOPAT 2.16m / Invested Capital 653.0m)
WACC = 5.40% (E(273.2m)/V(597.4m) * Re(8.36%) + D(324.1m)/V(597.4m) * Rd(3.68%) * (1-Tc(0.21)))
Discount Rate = 8.36% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.69%
Fair Price DCF = unknown (Cash Flow -2.65m)
EPS Correlation: -58.88 | EPS CAGR: -2.52% | SUE: 2.40 | # QB: 1
Revenue Correlation: 95.42 | Revenue CAGR: 14.33% | SUE: 0.84 | # QB: 0
EPS next Quarter (2026-03-31): EPS=-0.09 | Chg30d=-0.040 | Revisions Net=+1 | Analysts=1
EPS next Year (2026-12-31): EPS=-0.15 | Chg30d=-0.075 | Revisions Net=+0 | Growth EPS=+65.1% | Growth Revenue=+18.9%