Présentation de l'entreprise
Blue Foundry Bancorp, identified by the ticker symbol BLFY, operates as the parent bank holding company for Blue Foundry Bank, an institution established to provide comprehensive banking products and services to individuals and businesses within northern New Jersey. As of April 1, 2026, the entity underwent a significant structural change when it was acquired by Fulton Financial Corporation, marking a transition in its corporate lineage and operational oversight. The company functions within the Financial Services sector, specifically categorized under the Banks - Regional industry, which implies a focus on localized lending, deposit gathering, and community-oriented financial solutions rather than national-scale operations. The organization currently employs 189 staff members to support its banking infrastructure and customer service requirements across its designated service area. With a market capitalization of $274.88M and an annualized revenue of $46.94M, Blue Foundry Bancorp represents a small-cap regional entity that serves a niche geographic footprint. These valuation figures indicate that the company occupies a modest position in the broader financial landscape, reflecting the typical scale of a regional savings bank rather than a large diversified financial conglomerate.
Santé financière
The financial performance of Blue Foundry Bancorp over the trailing twelve months (TTM) reveals a revenue stream of $46.94M contrasted against a net income loss of $10,025,000, while EBITDA data is not available for reporting. The substantial gap between the reported revenue and the negative net income highlights a cost structure where operating expenses and loan losses significantly eroded profitability during this period. Regarding liquidity and cash generation, the free cash flow metric is not reported (N/A), which suggests that the company's cash conversion cycle may be constrained by its operational burn or that cash flow data is not currently standardized in public filings. Despite the negative earnings, the balance sheet holds $56.71M in cash assets against a total debt obligation of $326.88M, creating a scenario where liabilities substantially exceed liquid cash reserves. The debt-to-equity ratio is not available for calculation due to the specific data constraints regarding equity composition in the available facts, yet the absolute debt level relative to cash indicates a leveraged balance sheet structure. Furthermore, the current ratio is not disclosed, meaning an explicit assessment of short-term liquidity relative to short-term obligations cannot be quantitatively determined from the provided dataset. Return on Equity stands at -3.1% and Return on Assets is -0.5%, both negative figures that reveal management effectiveness in generating profit from shareholder equity and total assets was severely compromised during the reported period.
Évaluation de la valorisation
Valuation metrics for Blue Foundry Bancorp present a mix of traditional and alternative measures, with the trailing twelve-month P/E ratio listed as N/A due to the negative net income, while the forward P/E stands at 73.56. The disparity between the unavailable trailing P/E and the elevated forward P/E of 73.56 implies that the market is pricing in significant future earnings growth expectations necessary to justify such a high multiple, despite current losses. The price-to-book ratio is recorded at 0.88, indicating that the market valuations the company at a discount to its book value, which can suggest either undervaluation or concerns regarding asset quality and future earnings potential. Alternative valuation metrics include a price-to-sales ratio of 5.86 and an EV/EBITDA ratio that is not available, suggesting that analysts must rely primarily on sales multiples to assess value in the absence of normalized earnings or enterprise value data. Historical price volatility is contextualized by a 52-week high of $14.74 and a 52-week low of $7.61, providing a clear trading range within which the stock has fluctuated over the last year. The beta value is 0.54, which indicates that the stock's price movements have historically exhibited lower volatility relative to the broader market, making it potentially less sensitive to general equity market swings.
Growth & Income
Growth dynamics for Blue Foundry Bancorp are defined by a revenue growth rate of 21.7% year-over-year, whereas earnings growth is not available due to the negative net income position. Since earnings are currently negative, the concept of earnings growing faster or slower than revenue is not applicable in a traditional sense, as the company is still in a loss-making phase despite strong top-line expansion. The company does not pay dividends, evidenced by a dividend yield of N/A and a payout ratio of 0.0%, meaning that all available earnings are technically retained, though the negative earnings context makes retention moot. Consequently, Blue Foundry Bancorp follows a non-dividend payer profile, effectively reinvesting its limited capital resources into operations or awaiting a return to profitability before initiating shareholder payouts. The overall growth and income profile is characterized by robust revenue expansion coupled with a complete absence of current earnings generation and dividend distribution.