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BLFY vs HRZN

BLFY
Blue Foundry Bancorp
BEARISH
Price
$12.86
Market Cap
$267.0M
Sector
Financial Services
AI Confidence
75%
HRZN
Horizon Technology Finance Corporation
BEARISH
Price
$3.87
Market Cap
$263.8M
Sector
Financial Services
AI Confidence
90%

Valuation

P/E Ratio
BLFY
--
HRZN
--
Forward P/E
BLFY
-85.73
HRZN
5.06
P/B Ratio
BLFY
0.77
HRZN
0.55
P/S Ratio
BLFY
5.97
HRZN
2.75
EV/EBITDA
BLFY
--
HRZN
--

Profitability

Gross Margin
BLFY
0.0%
HRZN
100.0%
Operating Margin
BLFY
-13.55%
HRZN
78.47%
Profit Margin
BLFY
-20.58%
HRZN
-2.77%
ROE
BLFY
-2.82%
HRZN
-0.81%
ROA
BLFY
-0.44%
HRZN
5.99%

Growth

Revenue Growth
BLFY
30.3%
HRZN
-12.2%
Earnings Growth
BLFY
--
HRZN
--

Financial Health

Debt/Equity
BLFY
--
HRZN
1.49
Current Ratio
BLFY
--
HRZN
1.56
Quick Ratio
BLFY
--
HRZN
1.53

Dividends

Dividend Yield
BLFY
--
HRZN
30.23%
Payout Ratio
BLFY
0.0%
HRZN
224.56%

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
HRZN BEARISH

HRZN exhibits severe financial distress, highlighted by a weak Piotroski F-Score of 2/9 and a technical trend score of 0/100. The company is currently a classic 'dividend trap,' offering a massive 30.23% yield that is fundamentally unsustainable given a payout ratio of 224.56%. With negative revenue growth (-12.20%) and a significant long-term price collapse (-57.7% over 5 years), the low Price-to-Book ratio (0.55) reflects market skepticism regarding the quality of its assets rather than a value opportunity.

Strengths
Deeply discounted Price-to-Book ratio of 0.55
Strong operating margin of 78.47%
Positive Return on Assets (ROA) of 5.99%
Risks
Unsustainable dividend payout ratio (224.56%) indicating an imminent dividend cut
Severe deterioration in financial health (Piotroski F-Score 2/9)
Negative year-over-year revenue growth of -12.20%

Compare Another Pair

BLFY vs HRZN: Head-to-Head Comparison

This page compares Blue Foundry Bancorp (BLFY) and Horizon Technology Finance Corporation (HRZN) 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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