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BLFY vs EOD

BLFY
Blue Foundry Bancorp
BEARISH
Price
$12.86
Market Cap
$267.0M
Sector
Financial Services
AI Confidence
75%
EOD
Wells Fargo Advantage Funds - Allspring Global Dividend Opportunity Fund
NEUTRAL
Price
$6.31
Market Cap
$271.7M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
BLFY
--
EOD
4.48
Forward P/E
BLFY
-85.73
EOD
--
P/B Ratio
BLFY
0.77
EOD
--
P/S Ratio
BLFY
5.97
EOD
--
EV/EBITDA
BLFY
--
EOD
--

Profitability

Gross Margin
BLFY
0.0%
EOD
0.0%
Operating Margin
BLFY
-13.55%
EOD
0.0%
Profit Margin
BLFY
-20.58%
EOD
0.0%
ROE
BLFY
-2.82%
EOD
--
ROA
BLFY
-0.44%
EOD
--

Growth

Revenue Growth
BLFY
30.3%
EOD
--
Earnings Growth
BLFY
--
EOD
--

Financial Health

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

Dividends

Dividend Yield
BLFY
--
EOD
8.65%
Payout Ratio
BLFY
0.0%
EOD
35.31%

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
EOD NEUTRAL

The deterministic health profile is severely compromised with a Piotroski F-Score of 1/9, indicating critical weakness in traditional financial health metrics. However, this is contrasted by a strong valuation profile, with the current price of $6.31 trading at a significant discount to its intrinsic value of $9.87 and a very low P/E of 4.48. While long-term price performance is robust (5Y +85.8%), the current technical trend is heavily bearish (10/100). The asset functions as a high-yield income vehicle rather than a growth company, making traditional corporate health scores misleading but mandatory for this risk assessment.

Strengths
Significant discount to intrinsic value ($6.31 vs $9.87)
Attractive dividend yield of 8.65% with a sustainable payout ratio (35.31%)
Strong historical price appreciation (1Y +39.5%, 3Y +95.2%)
Risks
Critical Piotroski F-Score of 1/9 indicating poor fundamental health
Strongly bearish technical trend (10/100)
Lack of traditional growth metrics (Revenue/Earnings growth N/A)

Compare Another Pair

BLFY vs EOD: Head-to-Head Comparison

This page compares Blue Foundry Bancorp (BLFY) and Wells Fargo Advantage Funds - Allspring Global Dividend Opportunity Fund (EOD) 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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