📊 BLFY Key Takeaways
Investment Thesis
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.
BLFY Strengths
- 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
BLFY 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
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
BLFY Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
BLFY Profitability Ratios
BLFY vs Default Sector
How Blue Foundry Bancorp compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
BLFY Balance Sheet & Liquidity
BLFY 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 $-0.31 indicates the company is currently unprofitable.
BLFY Growth Metrics (YoY)
BLFY Capital Allocation
BLFY SEC Filings
Access official SEC EDGAR filings for Blue Foundry Bancorp (CIK: 0001846017)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Mar 10, 2026 | 4 | xslF345X05/wk-form4_1773172639.xml | View → |
| Mar 10, 2026 | 4 | xslF345X05/wk-form4_1773169435.xml | View → |
| Mar 10, 2026 | 4 | xslF345X05/wk-form4_1773169068.xml | View → |
| Mar 10, 2026 | 4 | xslF345X05/wk-form4_1773169042.xml | View → |
| Mar 10, 2026 | 4 | xslF345X05/wk-form4_1773169019.xml | View → |
❓ Frequently Asked Questions about BLFY
What is the AI rating for BLFY?
Blue Foundry Bancorp (BLFY) has an AI rating of STRONG SELL with 92% confidence, based on fundamental analysis of SEC EDGAR filings.
What are BLFY's key strengths?
Strong revenue growth of 127.6% year-over-year showing top-line expansion. Significant asset base of 2.2B providing operational scale.
What are the risks of investing in BLFY?
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.
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?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.