BLFY

Company Overview — What Does Blue Foundry Bancorp Do?

Blue 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. Blue Foundry Bancorp (BLFY) is classified as a micro-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO James D. Nesci and employs approximately 180 people. With a market capitalization of $275M, BLFY is one of the notable companies in the Financials sector.

Blue Foundry Bancorp (BLFY) Stock Rating — Hold (April 2026)

As of April 2026, Blue Foundry Bancorp receives a Hold rating with a composite score of 41.2/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.BLFY ranks #1,685 out of 4,446 stocks in our coverage universe. Within the Financials sector, Blue Foundry Bancorp ranks #511 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

BLFY Stock Price and 52-Week Range

Blue Foundry Bancorp (BLFY) currently trades at $12.43. The stock lost $0.28 (2.2%) in the most recent trading session. The 52-week high for BLFY is $14.74, which means the stock is currently trading -15.7% from its annual peak. The 52-week low is $7.61, putting the stock 63.3% above its annual trough. Recent trading volume was 148K shares, suggesting relatively thin trading activity.

Is BLFY Overvalued or Undervalued? — Valuation Analysis

Blue Foundry Bancorp (BLFY) carries a value factor score of 26/100 in the Blank Capital model, signaling premium valuation that prices in significant future growth. The price-to-book ratio stands at 0.88x, versus the sector average of 1.22x. The price-to-sales ratio is 2.99x, compared to 0.90x for the average Financials stock.

At current multiples, Blue Foundry Bancorp trades at a premium to most Financials peers. This elevated valuation may be justified if the company can sustain above-average growth rates and profitability, but it also creates downside risk if earnings disappoint expectations.

Blue Foundry Bancorp Profitability — ROE, Margins, and Quality Score

Blue Foundry Bancorp (BLFY) earns a quality factor score of 33/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is -3.4%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at -0.5% versus the sector average of 1.2%.

On a margin basis, Blue Foundry Bancorp reports gross margins of 0.0%. The operating margin is 0.0% (sector: 21.8%). Net profit margin stands at -11.7%, versus 17.7% for the average Financials stock. Revenue growth is running at 13.3% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

BLFY Debt, Balance Sheet, and Financial Health

Blue Foundry Bancorp has a debt-to-equity ratio of 593.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.17x, suggesting adequate working capital coverage. Total debt on the balance sheet is $301M. Cash and equivalents stand at $44M.

BLFY has a beta of 0.70, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for Blue Foundry Bancorp is 62/100, reflecting average volatility within the normal range for its sector.

Blue Foundry Bancorp Revenue and Earnings History — Quarterly Trend

In TTM 2026, Blue Foundry Bancorp reported revenue of $92M and earnings per share (EPS) of $-0.51. Net income for the quarter was $-11M. Gross margin was 0.0%. Operating income came in at $416,000.

In FY 2025, Blue Foundry Bancorp reported revenue of $95M and earnings per share (EPS) of $-0.51. Net income for the quarter was $-10M. Revenue grew 11.5% year-over-year compared to FY 2024.

In Q3 2025, Blue Foundry Bancorp reported revenue of $24M and earnings per share (EPS) of $-0.10. Net income for the quarter was $-2M. Revenue grew 12.1% year-over-year compared to Q3 2024.

In Q2 2025, Blue Foundry Bancorp reported revenue of $23M and earnings per share (EPS) of $-0.10. Net income for the quarter was $-2M. Revenue grew 10.1% year-over-year compared to Q2 2024.

Over the past 8 quarters, Blue Foundry Bancorp has demonstrated a growth trajectory, with revenue expanding from $21M to $92M. Investors analyzing BLFY stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

BLFY Dividend Yield and Income Analysis

Blue Foundry Bancorp (BLFY) does not currently pay a dividend. This is common among smaller companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

BLFY Momentum and Technical Analysis Profile

Blue Foundry Bancorp (BLFY) has a momentum factor score of 63/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 28/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 28/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

BLFY vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, Blue Foundry Bancorp (BLFY) ranks #511 out of 891 stocks based on the Blank Capital composite score. This places BLFY in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing BLFY against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full BLFY vs S&P 500 (SPY) comparison to assess how Blue Foundry Bancorp stacks up against the broader market across all factor dimensions.

BLFY Next Earnings Date

No upcoming earnings date has been announced for Blue Foundry Bancorp (BLFY) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy BLFY? — Investment Thesis Summary

Blue Foundry Bancorp presents a balanced picture with arguments on both sides. The quality score of 33/100 flags below-average profitability. The value score of 26/100 indicates premium valuation. Price momentum is positive at 63/100, suggesting the trend favors buyers. Low volatility (stability score 62/100) reduces downside risk.

In summary, Blue Foundry Bancorp (BLFY) earns a Hold rating with a composite score of 41.2/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on BLFY stock.

Related Resources for BLFY Investors

Explore more research and tools: BLFY vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare BLFY head-to-head with peers: BLFY vs WTM, BLFY vs OPY, BLFY vs ACT.