BLFY
BEARISH
$12.86
Live
Blue Foundry Bancorp · NASDAQ
Target $10.0
(-22.2%)
$7.61
52W Range
$13.54
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$266.99M
P/E
N/A
ROE
-2.8%
Profit margin
-20.6%
Debt/Equity
N/A
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
75%
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.
Key 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
Price-to-Book ratio of 0.77 suggests shares trade below book value, potentially indicating undervaluation on asset basis
Recent price momentum is strong, with +42.1% return over the past 6 months
Key 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
Forward P/E of -85.73 indicates earnings are negative and deteriorating, making valuation highly speculative
Lack of Altman Z-Score and incomplete balance sheet data (missing debt/equity, cash, debt) obscures bankruptcy risk assessment
AI Fair Value Estimate
Based on comprehensive analysis
$10.0
-22.2% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
34
Weak
45
58
30
15
20
AI Verdict
High-risk speculative position with deteriorating fundamentals and limited financial transparency
Key drivers: Piotroski F-Score of 1/9, Negative profitability metrics, Revenue growth not translating to earnings, Bearish technical trend (10/100), Analyst target implies 22% downside
Confidence
78%
Value
45/100
Ref P/E, PEG, Graham Number
Positives
- Price/Book of 0.77 suggests potential asset-based undervaluation
Watchpoints
- Negative forward P/E (-85.73)
- No Graham Number or intrinsic value available
- Price/Sales of 5.97 is high for an unprofitable bank
Future
58/100
Ref Growth rates
Positives
- Revenue growth of 30.30% YoY is strong
- Earnings surprises have been positive in recent quarters
Watchpoints
- No positive earnings growth trend
- Forward P/E negative, signaling deteriorating earnings outlook
Past
30/100
Ref Historical trends
Positives
- History of beating earnings estimates
- Recent price appreciation (+33% 1Y)
Watchpoints
- Persistent losses over multiple years
- No sustained profitability in the last 19 quarters
Health
15/100
Ref Altman Z-Score, Piotroski F-Score
Positives
No standout positives identified.
Watchpoints
- Piotroski F-Score of 1/9 (critically weak)
- No Altman Z-Score available
- Negative ROE and ROA
- Missing key financial health ratios (Debt/Equity, Current Ratio)
Dividend
20/100
Ref Yield, Payout
Positives
- Payout ratio of 0.00% indicates no unsustainable dividend burden
Watchpoints
- Dividend Strength score of 0/100
- No dividend yield or payout history
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$12.86
Analyst Target
$10.0
Upside/Downside
-22.2%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for BLFY and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
BLFY
Blue Foundry Bancorp
Primary
|
-0.3% | +3.9% | +33.0% | +42.1% | +0.9% | +0.9% |
|
EOT
Eaton Vance National Municipal Opportunities Trust
Peer
|
-5.2% | +13.4% | +10.5% | +4.7% | -0.1% | -0.3% |
|
HRZN
Horizon Technology Finance Corporation
Peer
|
-57.7% | -49.7% | -46.8% | -29.9% | -4.6% | -9.8% |
|
NODK
NI Holdings, Inc.
Peer
|
-34.0% | -4.3% | -0.8% | -5.0% | -2.7% | +0.9% |
|
FXNC
First National Corporation
Peer
|
+84.7% | +105.6% | +47.8% | +31.8% | +8.8% | +7.0% |
BLF
Blue Foundry Bancorp
Primary
5Y
-0.3%
3Y
+3.9%
1Y
+33.0%
6M
+42.1%
1M
+0.9%
1W
+0.9%
EOT
Eaton Vance National Municipal Opportunities Trust
Peer
5Y
-5.2%
3Y
+13.4%
1Y
+10.5%
6M
+4.7%
1M
-0.1%
1W
-0.3%
HRZ
Horizon Technology Finance Corporation
Peer
5Y
-57.7%
3Y
-49.7%
1Y
-46.8%
6M
-29.9%
1M
-4.6%
1W
-9.8%
NOD
NI Holdings, Inc.
Peer
5Y
-34.0%
3Y
-4.3%
1Y
-0.8%
6M
-5.0%
1M
-2.7%
1W
+0.9%
FXN
First National Corporation
Peer
5Y
+84.7%
3Y
+105.6%
1Y
+47.8%
6M
+31.8%
1M
+8.8%
1W
+7.0%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
N/A
Forward P/E
-85.73
PEG Ratio
N/A
P/B Ratio
0.77
P/S Ratio
5.97
EV/Revenue
11.64
EV/EBITDA
N/A
Market Cap
$266.99M
Profitability
Profit margins and return metrics
Profit Margin
-20.58%
Operating Margin
-13.55%
Gross Margin
N/A
ROE
-2.82%
ROA
-0.44%
Growth
Revenue and earnings growth rates
Revenue Growth
+30.3%
Earnings Growth
N/A
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
N/A
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$2.56
Quarterly Earnings History
EPS performance vs analyst estimates
2026-01-28
$N/A
2025-10-29
$-0.1
-5.3% surprise
2025-07-30
$-0.1
+16.7% surprise
2025-04-30
$-0.13
+23.5% surprise
Financial Services Sector Comparison
Comparing BLFY against 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
Return on Equity (ROE)
-2.82%
This Stock
vs
-0.73%
Sector Avg
+284.3%
(Excellent)
Profit Margin
-20.58%
This Stock
vs
91.62%
Sector Avg
-122.5%
(Weaker)
Revenue Growth
30.3%
This Stock
vs
35.27%
Sector Avg
-14.1%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
BLFY
Blue Foundry Bancorp
|
BEARISH | $266.99M | - | -2.8% | -20.6% | $12.86 | |
|
EOT
Eaton Vance National...
|
BEARISH | $267.65M | - | -% | -% | $17.13 | Compare |
|
HRZN
Horizon Technology Finance...
|
BEARISH | $263.84M | - | -0.8% | -2.8% | $3.87 | Compare |
|
NODK
NI Holdings, Inc.
|
BEARISH | $263.29M | - | -4.3% | -3.7% | $12.82 | Compare |
|
FXNC
First National Corporation
|
NEUTRAL | $262.73M | 14.46 | 10.0% | 20.3% | $29.06 | Compare |
BLFY
Blue Foundry Bancorp
BEARISH
Mkt Cap
$267M
P/E
-
ROE
-2.8%
Price
$12.86
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2025-08-04 | KINZLER PATRICK H | Director | Purchase | 1,500 | $12,760 |
| 2025-08-04 | MALKIMAN ALEKSANDER | Chief Technology Officer | Purchase | 4,000 | $33,948 |
| 2025-08-01 | KINZLER PATRICK H | Director | Purchase | 2,500 | $21,026 |
KINZLER PATRICK H
Director
2025-08-04
1,500 shares
·
$12,760
MALKIMAN ALEKSANDER
Chief Technology Officer
2025-08-04
4,000 shares
·
$33,948
KINZLER PATRICK H
Director
2025-08-01
2,500 shares
·
$21,026
Insider transactions can signal confidence or concerns about company prospects
Past News Coverage
Recent headlines mentioning BLFY from our newsroom.
Newest → oldest
No matching news yet.