📊 BLFY Key Takeaways
Is Blue Foundry Bancorp (BLFY) a Good Investment?
Blue Foundry Bancorp is experiencing severe fundamental deterioration with negative profitability across all metrics (net margin -9.3%, ROE -2.1%, ROA -0.3%) and negative free cash flow of -2.2M despite 127.6% revenue growth. The company's net income declined 61% year-over-year to -6.5M, indicating that revenue expansion is not translating to profitable operations, and the significant operating cash flow deficit of -2.0M raises serious concerns about the sustainability of current operations.
Blue Foundry Bancorp shows strong top-line growth, but the quality of that growth is weak because it is still producing net losses, negative operating cash flow, and negative returns on assets and equity. The balance sheet appears adequately capitalized with meaningful equity and no reported long-term debt, but profitability has not yet caught up to revenue expansion. Until the bank demonstrates sustained improvement in earnings power and cash generation, the fundamentals remain unfavorable.
Blue Foundry Bancorp Key Strengths (BLFY)
- Strong revenue growth of 127.6% year-over-year showing top-line expansion
- Significant asset base of 2.2B providing operational scale
- Zero long-term debt indicating no leveraged financial burden
- 14 Form 4 insider filings in last 90 days suggesting ongoing management activity
- Revenue increased sharply year over year, indicating improving business volume or net interest income momentum
- Balance sheet capitalization is solid, with $314.40M of equity supporting $2.16B in assets
- No reported long-term debt reduces financial strain outside normal banking liabilities
BLFY Stock Risks: Blue Foundry Bancorp Investment Risks
- Negative net income of -6.5M with deteriorating profitability (-61% YoY decline)
- Negative free cash flow of -2.2M indicating the company is burning cash operationally
- All profitability metrics deeply negative (net margin -9.3%, ROE -2.1%, ROA -0.3%)
- Revenue growth not translating to profitability, suggesting operational inefficiency or integration issues
- Operating cash flow negative at -2.0M despite substantial revenue, indicating quality of earnings concerns
- Net income remains negative and deteriorated year over year, showing weak earnings quality
- ROA and ROE are both negative, indicating the bank is not currently generating acceptable returns on its asset base or capital
- Operating cash flow and free cash flow are negative, limiting evidence that reported growth is translating into internally funded strength
Key Metrics to Watch
- Path to profitability and return to positive net income
- Operating cash flow trajectory and ability to achieve positive cash generation
- Net interest margin trends in banking operations
- Loan loss provisions and asset quality deterioration
- Equity erosion rate and stockholders' equity maintenance
- Net interest margin and efficiency ratio trend
- Quarterly net income, ROA, and operating cash flow improvement
Blue Foundry Bancorp (BLFY) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
BLFY Profit Margin, ROE & Profitability Analysis
BLFY vs Finance Sector: How Blue Foundry Bancorp Compares
How Blue Foundry Bancorp compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Blue Foundry Bancorp Stock Overvalued? BLFY Valuation Analysis 2026
Based on fundamental analysis, Blue Foundry Bancorp has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Blue Foundry Bancorp Balance Sheet: BLFY Debt, Cash & Liquidity
BLFY Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Blue Foundry Bancorp's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $-0.55 indicates the company is currently unprofitable.
BLFY Revenue Growth, EPS Growth & YoY Performance
Blue Foundry Bancorp Dividends, Buybacks & Capital Allocation
BLFY SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Blue Foundry Bancorp (CIK: 0001846017)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Apr 1, 2026 | 4 | xslF345X06/wk-form4_1775055002.xml | View → |
| Apr 1, 2026 | 4 | xslF345X06/wk-form4_1775054911.xml | View → |
| Apr 1, 2026 | 4 | xslF345X06/wk-form4_1775054822.xml | View → |
| Apr 1, 2026 | 4 | xslF345X06/wk-form4_1775054599.xml | View → |
| Apr 1, 2026 | 4 | xslF345X06/wk-form4_1775054517.xml | View → |
❓ Frequently Asked Questions about BLFY
What is the AI rating for BLFY?
Blue Foundry Bancorp (BLFY) has a Combined AI Grade of C from Claude (D) and ChatGPT (C) with 85% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are BLFY's key strengths?
Claude: Strong revenue growth of 127.6% year-over-year showing top-line expansion. Significant asset base of 2.2B providing operational scale. ChatGPT: Revenue increased sharply year over year, indicating improving business volume or net interest income momentum. Balance sheet capitalization is solid, with $314.40M of equity supporting $2.16B in assets.
What are the risks of investing in BLFY?
Claude: Negative net income of -6.5M with deteriorating profitability (-61% YoY decline). Negative free cash flow of -2.2M indicating the company is burning cash operationally. ChatGPT: Net income remains negative and deteriorated year over year, showing weak earnings quality. ROA and ROE are both negative, indicating the bank is not currently generating acceptable returns on its asset base or capital.
What is BLFY's revenue and growth?
Blue Foundry Bancorp reported revenue of $70.3M.
Does BLFY pay dividends?
Blue Foundry Bancorp does not currently pay dividends.
Where can I find BLFY SEC filings?
Official SEC filings for Blue Foundry Bancorp (CIK: 0001846017) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is BLFY's EPS?
Blue Foundry Bancorp has a diluted EPS of $-0.33.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is BLFY's fundamental grade?
Based on our AI fundamental analysis in June 2026, Blue Foundry Bancorp has a C grade with 85% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is BLFY stock overvalued or undervalued?
Valuation metrics for BLFY: ROE of -2.1% (sector avg: 12%), net margin of -9.3% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is BLFY's AI grade for 2026?
Our dual AI analysis gives Blue Foundry Bancorp a combined C grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is BLFY's free cash flow?
Blue Foundry Bancorp's operating cash flow is $-2.0M, with capital expenditures of $140.0K. FCF margin is -3.1%.
How does BLFY compare to other Finance stocks?
Vs Finance sector averages: Net margin -9.3% (avg: 25%), ROE -2.1% (avg: 12%), current ratio N/A (avg: 1.2).