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Company Analysis

Blue Foundry Bancorp BLFY

A comprehensive view of key metrics, scores, and financial health for Blue Foundry Bancorp

Overview of Blue Foundry Bancorp

BLFY NMS
Financial Services Banks - Regional Micro Cap
Blue Foundry Bancorp (BLFY), is a Micro Cap company, in the Banks - Regional industry, last closed at $12.71, about 31.8% undervalued vs fair value, +36.8% 1Y return, ranked 909/1004 in sector.
$12.71
-0.39%
As of March 13, 2026
Previous close • Vol 90d: 63.6%
52-Week Range
Market Cap
$263.88M
Enterprise Value
$543.94M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.bluefoundrybank.co...
HQ Rutherford, NJ
Employees 184
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$9
$17
$31
Current: $12.71 +32% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$85.5M
8%%
Interest Expense
$47.9M
Net Interest Income
$37.5M
-10.4%%
Total Revenue
$39.3M
-10%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
-3.6%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
0/2
Improving
0
High Impact
2
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Blue Foundry Bancorp's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
22
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
10
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing BLFY's balance between Growth (55.4%), Profitability (20.8%), and Safety (23.8%). Growth 55% Safety 24% Profitability 21%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

11th percentile vs peers
11
Key Signals
Asset Growth YoY 0.8% 25p Rev Growth YoY -10.0% 4p Revenue CAGR 3Y -4.7% 4p
Strengths

No notable strengths identified for this axis.

Risks
  • Growth in bottom 20% of peers (percentile: 11)
  • Rev Growth Yoy in bottom 20% of peers (-10.0%)

Profitability

4th percentile vs peers
4
Key Signals
Strengths
Risks
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Safety

4th percentile vs peers
5
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Blue Foundry Bancorp.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$16.75
- - -
+31.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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