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Blue Foundry Bancorp(BLFY)Earnings, Financials & Key Ratios
BLFY•NASDAQ•Banking & Credit
$13.24
Price updated Jun 20, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
AboutBlue Foundry Bancorp operates as a bank holding company for Blue Foundry Bank, a savings bank that offers various banking products and services for individuals and businesses. The company offers deposits; and loans, such as one-to-four family residential property, home equity, commercial real estate, multi-family, construction, commercial and industrial, and other consumer loans, as well as home equity lines of credit. As of December 31, 2021, it operated 17 full-service branch offices located in northern New Jersey. The company was formerly known as Boiling Springs Bancorp and changed its name to Blue Foundry Bancorp in July 2019. Blue Foundry Bancorp was founded in 1939 and is based in Rutherford, New Jersey.Show more
- Net Interest Income$47M+26.2%
- Total Revenue$97M+11.2%
- Net Income-$10M+15.8%
- Return on Equity-3.11%+10.2%
- Net Interest Margin2.19%+19.9%
- Efficiency Ratio58.74%-2.6%
- ROA-0.47%+18.3%
- Equity / Assets14.43%-10.5%
- Book Value per Share15.92+2.9%
BLFY Price & Volume
Blue Foundry Bancorp (BLFY) stock price & volume — 10-year historical chart
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Strategic Transition Pressures Blue Foundry Profitability Metrics
Investment Thesis • Updated 2025Q4
VerdictNegative
Growth:Accelerating
Profitability:Negative
Financial:Adequate
Cash Flow:Burning
Primary Risk:Regional Real Estate Concentration
Key Thesis Takeaways
- Blue Foundry Bancorp is currently navigating a challenging transition from a mutual thrift to a commercial banking model, characterized by persistent net losses and significant margin compression.
- While the bank has achieved a 35.2% year-over-year increase in net interest income as of 2025Q4, the reliance on a $2.0 billion securities portfolio to manage liquidity suggests an ongoing struggle to achieve organic profitability.
- Investors should monitor the sustainability of capital return policies, such as historical share buybacks, given the current negative net income of $3.5 million reported in the most recent quarter.
Verdict Logic
the bank's inability to generate organic capital, highlighted by a negative 1.1% ROE in 2025Q4, suggests that the current valuation of 0.86x P/B may not fully account for the risks associated with its ongoing operational transition.
BLFY Growth Metrics
Blue Foundry Bancorp (BLFY) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years14.14%
3 Years14.23%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM15.83%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM8.09%
Return on Capital
10 Years-1.92%
5 Years-1.57%
3 Years-1.33%
Last Year-1.46%
BLFY Recent Earnings
Blue Foundry Bancorp (BLFY) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 6/12 qtrs (60%)●Beat Revenue 4/12 qtrs (44%)
Q2 2026Latest
Apr 1, 2026Metric
Actual
Est
EPS
$0.13-30.0%
$0.10
Rev
$25M+98.3%
$13M
Q1 2026
Feb 4, 2026Metric
Actual
Est
EPS
$0.13-62.5%
$0.08
Rev
—
$13M
Q4 2025
Oct 29, 2025Metric
Actual
Est
EPS
$0.10+0.0%
$0.10
Rev
$13M-1.3%
$13M
Q3 2025
Jul 30, 2025Metric
Actual
Est
EPS
$0.10+9.1%
$0.11
Rev
$12M-3.9%
$13M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 1, 2026 | $0.13vs $0.10-30.0% | $25Mvs $13M+98.3% |
| Q1 2026 | Feb 4, 2026 | $0.13vs $0.08-62.5% | —vs $13M |
| Q4 2025 | Oct 29, 2025 | $0.10vs $0.10+0.0% | $13Mvs $13M-1.3% |
| Q3 2025 | Jul 30, 2025 | $0.10vs $0.11+9.1% | $12Mvs $13M-3.9% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Blue Foundry Bancorp (BLFY)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $13.24 | $274.88M | -24.07 | 11.17% | -10.34% | -3.11% | — | |
| $49.63 | $2.58B | 14.90 | 10.36% | 19.66% | 9.83% | — | |
| $9.31 | $585.91M | 22.17 | 5.09% | 10.39% | 4.75% | — | |
| $14.84 | $619.78M | 749.49 | -26.69% | 1.79% | 0.68% | — | |
| $74.33 | $358.26M | 23.75 | -6.46% | 12.83% | 7.33% | — | |
| $18.96 | $1.09B | 16.21 | -4.7% | 10.55% | 4.22% | — |
Compare BLFY vs Peers
Blue Foundry Bancorp (BLFY) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
BLFY SEC Filings & Documents
Blue Foundry Bancorp (BLFY) SEC filings — annual & quarterly reports (10-K, 10-Q)
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BLFY Frequently Asked Questions
Blue Foundry Bancorp (BLFY) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Blue Foundry Bancorp growing?
Blue Foundry Bancorp (BLFY) grew revenue by 11.2% over the past year. This is steady growth.
Is BLFY profitable?
Blue Foundry Bancorp (BLFY) reported a net loss of $10.0M for fiscal year 2025.
Dividend & Returns
What is BLFY's return on equity?
Blue Foundry Bancorp (BLFY) has a return on equity (ROE) of -3.1%. Negative ROE indicates the company is unprofitable.
Industry Metrics
What is Blue Foundry Bancorp's net interest margin?
Blue Foundry Bancorp (BLFY) has a net interest margin (NIM) of 2.2%. NIM has been under pressure due to interest rate environment.
What is Blue Foundry Bancorp's efficiency ratio?
Blue Foundry Bancorp (BLFY) has an efficiency ratio of 58.7%. This is reasonable for a bank.