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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 $13.24, about 26.5% undervalued vs fair value, +41.8% 1Y return, ranked 904/1037 in sector.
$13.24
0.00%
As of April 1, 2026
Previous close • Vol 90d: 63.0%
52-Week Range
Market Cap
$265.12M
Enterprise Value
$545.18M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Weak
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Weak
Completeness: 82%
Confidence: 48%
Updated: Mar 8
Top Beats

Quick Facts

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

Next Events

Earnings Mar 31 Estimated

Fair Value Snapshot

Bear Base Bull
$9
$17
$31
Current: $13.24 +27% 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
11
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Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing BLFY's balance between Growth (13.1%), Profitability (27.6%), and Safety (59.3%). Growth 13% Safety 59% Profitability 28%

Click axes to expand details. Marker shows current allocation.

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Growth

13th percentile vs peers
13
Key Signals
Asset Growth YoY 0.8% 25p NII Growth YoY -10.4% 9p EPS Growth YoY -79.4% 9p Equity Growth YoY -6.6% 3p
Strengths
  • Efficiency Ratio in top 20% of peers (1.18, 97th percentile)
  • Equity/Assets in top 20% of peers (16.1%, 93th percentile)
  • Debt/Assets in top 20% of peers (17.7%, 93th percentile)
  • D/E Ratio in top 20% of peers (1.10, 85th percentile)
Risks
  • Growth in bottom 20% of peers (percentile: 13)
  • NII Growth YoY in bottom 20% of peers (-10.4%)
  • EPS Growth YoY in bottom 20% of peers (-79.4%)
  • Equity Growth YoY in bottom 20% of peers (-6.6%)

Profitability

28th percentile vs peers
28
Key Signals
Strengths
Risks
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Safety

60th percentile vs peers
61
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:

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  • 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
- - -
+26.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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