Blue Foundry Bancorp
BLFYBuild a strategy around BLFY
Blue Foundry Bancorp AI Insights
Informational only. Not investment advice.Snapshot
- Trading at 0.78x P/B with 16.18 book value per share - 22% discount to tangible equity despite 33% TTM revenue growth[Price to Book Ratio]
- Net margin -20.1% TTM with -9.2M net loss; interest expense of 48M exceeds total revenue of 45.7M - structural profitability crisis[Net Margin TTM]
- ROE -2.8%, ROA -0.4%, ROIC -1.4% TTM - all negative vs industry medians of +1.7%, +1.5%, +1.5% respectively[Return on Equity TTM]
Watch Triggers
- Interest Expense TTM: Falls below 40M (sub-90% of revenue) — First signal of path to breakeven; currently 105% of revenue makes profit impossible
- Net Margin TTM: Improves to -10% or better — Would indicate halving of losses and potential trajectory to profitability
- Cash and Equivalents: Falls below 30M — Would signal <12 months runway at current burn, raising dilution/solvency risk
Bull Case
Deep value at 0.78x book with 314M tangible equity intact; 33% revenue growth shows franchise viability if rates normalize
Minimal capex needs (-358K TTM) preserve capital; 44M cash provides 15+ months runway at current burn rate
Bear Case
Interest expense exceeds revenue - mathematically impossible to profit without restructuring or dramatic rate cuts
Negative FCF (-2.9M) and operating cash (-2.6M) eroding 44M cash buffer; 3Y revenue CAGR -4.8% shows secular decline
Bull vs Bear Balance
AI-generated sentiment analysis based on fundamental metrics and market conditions.
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Forward Thesis
Profitability unlikely to recover until interest expense falls below revenue - requires major rate relief or balance sheet restructuring
- Interest expense 105% of revenue TTM
- 324M total debt at 1.03x D/E
- Fed rate trajectory uncertain
Valuation Context
Caveats
Public Strategies Rankings
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BLFY Fundamentals
| Metric | Value | YoY Growth | Industry Percentile |
|---|---|---|---|
$248.53M | — | ||
$528.59M | — | ||
0.00 | — | ||
$45.68M | +16.5% | — | |
$-0.45 | — | ||
0% | — | ||
-20.2% | +10.8% | — | |
$-2.91M | — | ||
-2.82% | +0.7% | — | |
Beta 5Y (Monthly) | unknown | — |
BLFY Dividend History
BLFY Stock Splits
BLFY SEC Filings
| Filing Date | Report Date | Report Type | Filing Link |
|---|---|---|---|
11/13/25 | 09/30/25 | 10-Q | |
08/12/25 | 06/30/25 | 10-Q | |
05/12/25 | 03/31/25 | 10-Q | |
03/27/25 | 12/31/24 | 10-K | |
11/13/24 | 09/30/24 | 10-Q | |
08/09/24 | 06/30/24 | 10-Q | |
05/14/24 | 03/31/24 | 10-Q | |
03/27/25 | 12/31/23 | 10-K | |
03/27/24 | 12/31/23 | 10-K | |
11/13/24 | 09/30/23 | 10-Q | |
11/13/23 | 09/30/23 | 10-Q | |
08/09/24 | 06/30/23 | 10-Q | |
08/11/23 | 06/30/23 | 10-Q | |
05/14/24 | 03/31/23 | 10-Q | |
05/12/23 | 03/31/23 | 10-Q | |
03/30/23 | 12/31/22 | 10-K | |
11/10/22 | 09/30/22 | 10-Q | |
08/12/22 | 06/30/22 | 10-Q | |
05/13/22 | 03/31/22 | 10-Q | |
03/14/22 | 12/31/21 | 10-K | |
11/05/21 | 09/30/21 | 10-Q | |
08/06/21 | 06/30/21 | 10-Q | |
06/17/21 | 03/31/21 | 10-Q | |
05/21/21 | 12/31/20 | 424B3 | |
11/05/21 | 09/30/20 | 10-Q | |
08/06/21 | 06/30/20 | 10-Q | |
06/17/21 | 03/31/20 | 10-Q |