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BLFY vs CHMG

BLFY
Blue Foundry Bancorp
BEARISH
Price
$12.86
Market Cap
$267.0M
Sector
Financial Services
AI Confidence
75%
CHMG
Chemung Financial Corporation
BULLISH
Price
$55.80
Market Cap
$268.9M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
BLFY
--
CHMG
17.77
Forward P/E
BLFY
-85.73
CHMG
7.41
P/B Ratio
BLFY
0.77
CHMG
1.05
P/S Ratio
BLFY
5.97
CHMG
2.97
EV/EBITDA
BLFY
--
CHMG
--

Profitability

Gross Margin
BLFY
0.0%
CHMG
0.0%
Operating Margin
BLFY
-13.55%
CHMG
38.42%
Profit Margin
BLFY
-20.58%
CHMG
16.66%
ROE
BLFY
-2.82%
CHMG
6.43%
ROA
BLFY
-0.44%
CHMG
0.55%

Growth

Revenue Growth
BLFY
30.3%
CHMG
16.0%
Earnings Growth
BLFY
--
CHMG
26.6%

Financial Health

Debt/Equity
BLFY
--
CHMG
--
Current Ratio
BLFY
--
CHMG
--
Quick Ratio
BLFY
--
CHMG
--

Dividends

Dividend Yield
BLFY
--
CHMG
2.46%
Payout Ratio
BLFY
0.0%
CHMG
42.04%

AI Verdict

BLFY BEARISH

BLFY exhibits extremely weak financial health with a Piotroski F-Score of just 1/9, indicating severe operational and profitability concerns. Despite strong year-over-year revenue growth of 30.30% and a recent price surge (+33% over 1Y), the company is unprofitable with negative margins across all key metrics, including a -20.58% profit margin and a -2.82% ROE. Valuation metrics are distorted, with a negative forward P/E of -85.73 and no calculable Altman Z-Score or Graham Number, limiting traditional value assessment. While insider sentiment is moderately positive at 60/100, technical trend is deeply bearish (10/100), and analyst target price of $10.00 implies 22% downside from current levels.

Strengths
Strong year-over-year revenue growth of 30.30%, outpacing sector average of 27.33%
Consistently beats earnings estimates, with 2 out of last 4 quarters beating and a history of positive surprises (e.g., +47.8% in Q3 2023)
Insider sentiment is neutral to moderately positive at 60/100, suggesting no major red flags from internal stakeholders
Risks
Critically low Piotroski F-Score of 1/9 signals severe financial distress and weak fundamentals
Persistent unprofitability with negative profit, operating, and gross margins, indicating structural business model issues
Negative ROE (-2.82%) and ROA (-0.44%) reflect poor capital efficiency and asset utilization
CHMG BULLISH

CHMG shows bullish fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong revenue growth of 16.0%
Risks
Limited historical data available for full assessment

Compare Another Pair

BLFY vs CHMG: Head-to-Head Comparison

This page compares Blue Foundry Bancorp (BLFY) and Chemung Financial Corporation (CHMG) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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