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Financial Services - Banks - Regional - NASDAQ - US
$ 9.9
0.601 %
$ 219 M
Market Cap
-18.25
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on May, 8, 2025.

The intrinsic value of one BLFY stock under the worst case scenario is HIDDEN Compared to the current market price of 9.9 USD, Blue Foundry Bancorp is HIDDEN

This DCF valuation model was last updated on May, 8, 2025.

The intrinsic value of one BLFY stock under the base case scenario is HIDDEN Compared to the current market price of 9.9 USD, Blue Foundry Bancorp is HIDDEN

This DCF valuation model was last updated on May, 8, 2025.

The intrinsic value of one BLFY stock under the best case scenario is HIDDEN Compared to the current market price of 9.9 USD, Blue Foundry Bancorp is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart BLFY

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$11.5$11.5$11.0$11.0$10.5$10.5$10.0$10.0$9.5$9.5$9.0$9.0$8.5$8.515 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '25
FINANCIALS
39.3 M REVENUE
-10.02%
-6.46 M OPERATING INCOME
-205.00%
-11.9 M NET INCOME
-61.02%
5.06 M OPERATING CASH FLOW
141.78%
-30 M INVESTING CASH FLOW
-291.29%
21.4 M FINANCING CASH FLOW
221.62%
22.7 M REVENUE
122.81%
22.6 M OPERATING INCOME
1876.16%
-2.69 M NET INCOME
33.51%
-512 K OPERATING CASH FLOW
86.14%
-43.1 M INVESTING CASH FLOW
-375.88%
10 M FINANCING CASH FLOW
24.36%
Balance Sheet Blue Foundry Bancorp
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Current Assets 42.5 M
Cash & Short-Term Investments 42.5 M
Receivables 0
Other Current Assets 0
Non-Current Assets 53 M
Long-Term Investments 0
PP&E 53 M
Other Non-Current Assets 0
44.52 %55.48 %Total Assets$95.5m
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 1.73 B
Long-Term Debt 340 M
Other Non-Current Liabilities 1.39 B
19.64 %80.36 %Total Liabilities$1.7b
EFFICIENCY
Earnings Waterfall Blue Foundry Bancorp
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Revenue 39.3 M
Cost Of Revenue 0
Gross Profit 39.3 M
Operating Expenses 47.2 M
Operating Income -6.46 M
Other Expenses 5.45 M
Net Income -11.9 M
40m40m30m30m20m20m10m10m00(10m)(10m)(20m)(20m)39m039m(47m)(6m)(5m)(12m)RevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
-16.42% OPERATING MARGIN
-16.42%
-30.27% NET MARGIN
-30.27%
-3.59% ROE
-3.59%
-0.58% ROA
-0.58%
-6.77% ROIC
-6.77%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Blue Foundry Bancorp
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5m5m00(5m)(5m)(10m)(10m)(15m)(15m)(20m)(20m)(25m)(25m)(30m)(30m)202020202021202120222022202320232024202420252025
Net Income -11.9 M
Depreciation & Amortization 3.13 M
Capital Expenditures 0
Stock-Based Compensation 4.06 M
Change in Working Capital 0
Others 9.79 M
Free Cash Flow 4.92 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Blue Foundry Bancorp
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Wall Street analysts predict an average 1-year price target for BLFY of $12 , with forecasts ranging from a low of $12 to a high of $12 .
BLFY Lowest Price Target Wall Street Target
12 USD 21.21%
BLFY Average Price Target Wall Street Target
12 USD 21.21%
BLFY Highest Price Target Wall Street Target
12 USD 21.21%
Price
Max Price Target
Min Price Target
Average Price Target
121212121111111110101010999988Jun '24Jun '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 7
6. Ownership
Insider Ownership Blue Foundry Bancorp
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
37.8 K USD 1
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
11 K USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Blue Foundry Bancorp (BLFY) Q1 2025 Earnings Call Transcript Blue Foundry Bancorp (NASDAQ:BLFY ) Q1 2025 Earnings Conference Call April 30, 2025 11:00 AM ET Company Participants Jim Nesci – President and Chief Executive Officer Kelly Pecoraro – Chief Financial Officer Conference Call Participants Justin Crowley – Piper Sandler Chris O'Connell – KBW Operator Good morning and welcome to the Blue Foundry Bancorp's First Quarter 2025 Earnings Call. Comments made today during today's call may include forward-looking statements, which are based on management's current expectations and are subject to uncertainty and changes in circumstances. seekingalpha.com - 2 weeks ago
Blue Foundry Bancorp (BLFY) Reports Q1 Loss, Tops Revenue Estimates Blue Foundry Bancorp (BLFY) came out with a quarterly loss of $0.13 per share versus the Zacks Consensus Estimate of a loss of $0.16. This compares to loss of $0.13 per share a year ago. zacks.com - 2 weeks ago
Blue Foundry Bancorp Reports First Quarter 2025 Results RUTHERFORD, N.J., April 30, 2025 (GLOBE NEWSWIRE) -- Blue Foundry Bancorp (NASDAQ:BLFY) (the “Company”), the holding company for Blue Foundry Bank (the “Bank”), today reported a net loss of $2.7 million, or $0.13 per diluted common share, for the three months ended March 31, 2025, compared to net loss of $2.7 million, or $0.13 per diluted common share, for the three months ended December 31, 2024, and a net loss of $2.8 million, or $0.13 per diluted common share, for the three months ended March 31, 2024. globenewswire.com - 2 weeks ago
Blue Foundry Bancorp Schedules First Quarter 2025 Earnings Conference Call RUTHERFORD, N.J., April 16, 2025 (GLOBE NEWSWIRE) -- Blue Foundry Bancorp (NASDAQ: BLFY) (the “Company”), the holding company for Blue Foundry Bank, announced that on the morning of Wednesday, April 30, 2025 it will release financial results for the quarter ended March 31, 2025. A copy of the earnings release will be available on the Company's website, https://ir.bluefoundrybank.com/ , in the “News” section and on the SEC's website, https://www.sec.gov/ . globenewswire.com - 1 month ago
Blue Foundry Bancorp (BLFY) Q4 2024 Earnings Call Transcript Blue Foundry Bancorp (NASDAQ:BLFY ) Q4 2024 Earnings Conference Call January 29, 2025 11:00 AM ET Company Participants James Nesci - President and CEO Kelly Pecoraro - CFO Conference Call Participants Justin Crowley - Piper Sandler Chris O'Connell - KBW Operator Good morning, and welcome to Blue Foundry Bancorp's Fourth Quarter 2024 Earnings Call. Comments made during today's call may include forward-looking statements, which are based on management's current expectations and are subject to uncertainty and changes in circumstance. seekingalpha.com - 3 months ago
Blue Foundry Bancorp (BLFY) Reports Q4 Loss, Lags Revenue Estimates Blue Foundry Bancorp (BLFY) came out with a quarterly loss of $0.13 per share versus the Zacks Consensus Estimate of a loss of $0.17. This compares to loss of $0.13 per share a year ago. zacks.com - 3 months ago
Blue Foundry Bancorp Reports Fourth Quarter and Year-End 2024 Results RUTHERFORD, N.J., Jan. 29, 2025 (GLOBE NEWSWIRE) -- Blue Foundry Bancorp (NASDAQ:BLFY) (the “Company”), the holding company for Blue Foundry Bank (the “Bank”), reported a net loss of $11.9 million, or $0.55 per diluted common share, for the year ended December 31, 2024 compared to a net loss of $7.4 million, or $0.31 per diluted common share for the year ended December 31, 2023. globenewswire.com - 3 months ago
Blue Foundry Bancorp Schedules Fourth Quarter and Year-End 2024 Earnings Conference Call RUTHERFORD, N.J., Jan. 15, 2025 (GLOBE NEWSWIRE) -- Blue Foundry Bancorp (NASDAQ: BLFY) (the “Company”), the holding company for Blue Foundry Bank, announced that on the morning of Wednesday, January 29, 2025 it will release financial results for the quarter ended December 31, 2024. A copy of the earnings release will be available on the Company's website, https://ir.bluefoundrybank.com/ , in the “News” section and on the SEC's website, https://www.sec.gov/ . globenewswire.com - 4 months ago
Blue Foundry Rewards Shareholders With New Share Repurchase Plan BLFY announces its fifth stock repurchase plan, along with the completion of its previous program. Given its weak liquidity profile, this seems unsustainable. zacks.com - 6 months ago
Blue Foundry Bancorp Announces Completion of Fourth Stock Repurchase Program and Adoption of Fifth Stock Repurchase Program RUTHERFORD, N.J., Nov. 12, 2024 (GLOBE NEWSWIRE) -- Blue Foundry Bancorp (NASDAQ: BLFY), the holding company for Blue Foundry Bank, announced that as of November 7, 2024, it had completed its fourth stock repurchase program and had adopted another program to repurchase up to 1,139,420 shares of its common stock, which is approximately 5% of its outstanding common stock. The program commenced on November 8, 2024. This is the Company's fifth stock repurchase program since completing its mutual-to-stock conversion and related stock offering in July 2021. globenewswire.com - 6 months ago
Blue Foundry Bancorp (BLFY) Q3 2024 Results Conference Call Transcript Start Time: 11:00 January 1, 0000 11:23 AM ET Blue Foundry Bancorp (NASDAQ:BLFY ) Q3 2024 Results Conference Call October 23, 2024, 11:00 AM ET Company Participants James Nesci - President and CEO Kelly Pecoraro - EVP and CFO Conference Call Participants Justin Crowley - Piper Sandler Chris O'Connell - KBW Operator Good morning, and welcome to Blue Foundry Bancorp's Third Quarter 2024 Earnings Call. Comments made during today's call may include forward-looking statements, which are based on management's current expectations and are subject to uncertainty and changes in circumstance. seekingalpha.com - 6 months ago
Blue Foundry Bancorp (BLFY) Reports Q3 Loss, Lags Revenue Estimates Blue Foundry Bancorp (BLFY) came out with a quarterly loss of $0.19 per share versus the Zacks Consensus Estimate of a loss of $0.17. This compares to loss of $0.06 per share a year ago. zacks.com - 6 months ago
8. Profile Summary

Blue Foundry Bancorp BLFY

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 219 M
Dividend Yield 0.00%
Description Blue 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.
Contact 19 Park Avenue, Rutherford, NJ, 07070 https://www.bluefoundrybank.com
IPO Date July 16, 2021
Employees 184
Officers Ms. Elyse D. Beidner J.D. Executive Vice President, Chief Legal Officer & Corporate Secretary Ms. Kelly Pecoraro CPA Executive Vice President & Chief Financial Officer Mr. James D. Nesci President, Chief Executive Officer & Director Mr. Aleksander Malkiman Executive Vice President & Chief Technology Officer Mr. Keith D. Owes Executive Vice President and Chief Risk Officer Ms. Acela Roselle Executive Vice President & Human Resources Director Mr. Thomas R. Packwood Senior Vice President & Chief Audit Executive