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BLFY vs FRAF

BLFY
Blue Foundry Bancorp
BEARISH
Price
$12.86
Market Cap
$267.0M
Sector
Financial Services
AI Confidence
75%
FRAF
Franklin Financial Services Corporation
BULLISH
Price
$56.95
Market Cap
$255.8M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
BLFY
--
FRAF
11.55
Forward P/E
BLFY
-85.73
FRAF
9.03
P/B Ratio
BLFY
0.77
FRAF
1.46
P/S Ratio
BLFY
5.97
FRAF
2.98
EV/EBITDA
BLFY
--
FRAF
--

Profitability

Gross Margin
BLFY
0.0%
FRAF
0.0%
Operating Margin
BLFY
-13.55%
FRAF
34.8%
Profit Margin
BLFY
-20.58%
FRAF
24.7%
ROE
BLFY
-2.82%
FRAF
13.27%
ROA
BLFY
-0.44%
FRAF
0.96%

Growth

Revenue Growth
BLFY
30.3%
FRAF
54.7%
Earnings Growth
BLFY
--
FRAF
1199.3%

Financial Health

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

Dividends

Dividend Yield
BLFY
--
FRAF
2.42%
Payout Ratio
BLFY
0.0%
FRAF
27.64%

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
FRAF BULLISH

FRAF presents a compelling value opportunity, trading significantly below its Graham Number ($65.86) and growth-based Intrinsic Value ($145.44). While the Piotroski F-Score of 4/9 indicates only stable financial health, the company exhibits explosive year-over-year revenue and earnings growth that far exceeds sector averages. Despite a severely bearish technical trend (10/100), the fundamental valuation and low P/E ratio relative to peers suggest a strong margin of safety.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Explosive YoY earnings growth (1199.30%) and revenue growth (54.70%)
Low P/E ratio (11.55) compared to the financial services sector average (26.49)
Risks
Severely bearish short-term technical trend (10/100)
Small market capitalization ($0.26B) leading to higher volatility
Piotroski F-Score of 4/9 suggests mediocre operational health

Compare Another Pair

BLFY vs FRAF: Head-to-Head Comparison

This page compares Blue Foundry Bancorp (BLFY) and Franklin Financial Services Corporation (FRAF) 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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