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BLFY vs JPM

BLFY
Blue Foundry Bancorp
BEARISH
Price
$12.86
Market Cap
$267.0M
Sector
Financial Services
AI Confidence
75%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$294.16
Market Cap
$793.36B
Sector
Financial Services
AI Confidence
65%

Valuation

P/E Ratio
BLFY
--
JPM
14.69
Forward P/E
BLFY
-85.73
JPM
12.62
P/B Ratio
BLFY
0.77
JPM
2.32
P/S Ratio
BLFY
5.97
JPM
4.72
EV/EBITDA
BLFY
--
JPM
--

Profitability

Gross Margin
BLFY
0.0%
JPM
0.0%
Operating Margin
BLFY
-13.55%
JPM
41.06%
Profit Margin
BLFY
-20.58%
JPM
33.91%
ROE
BLFY
-2.82%
JPM
16.13%
ROA
BLFY
-0.44%
JPM
1.35%

Growth

Revenue Growth
BLFY
30.3%
JPM
2.5%
Earnings Growth
BLFY
--
JPM
-3.6%

Financial Health

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

Dividends

Dividend Yield
BLFY
--
JPM
2.11%
Payout Ratio
BLFY
0.0%
JPM
28.97%

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
JPM NEUTRAL

JPM shows bullish fundamentals based on deterministic rules. Financial strength is weak (F-Score 2/9). Key strengths include strong valuation and growth metrics. Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Strengths
Attractive valuation with P/E of 14.7
Strong profitability (33.9% margin)
Strong ROE of 16.1%
Risks
Weak financial trend (Piotroski F-Score: 2/9)
Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Compare Another Pair

BLFY vs JPM: Head-to-Head Comparison

This page compares Blue Foundry Bancorp (BLFY) and JPMorgan Chase & Co. (JPM) 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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