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Blue Foundry Bancorp BLFY NASDAQ

NASDAQ Global Select • Financial Services • Banks - Regional • US • USD

SharesGrow Score
36/100
1/7 Pass
SharesGrow Intrinsic Value
N/A
Negative cash flow
Analyst Price Target
$12.00
-9.4%

Blue Foundry Bancorp (BLFY) is a Banks - Regional company in the Financial Services sector, currently trading at $13.24. It has a SharesGrow Score of 36/100, indicating a weak investment profile with 1 out of 7 criteria passed.

SharesGrow calculates the intrinsic value of BLFY = $-12.00 (-190.6% from the current price, the stock appears overvalued). Analyst consensus target is BLFY = $12 (-9.4% upside).

Valuation: BLFY trades at a trailing Price-to-Earnings (P/E) of -25.9 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 0.12.

Financials: revenue is $97M, +14.4%/yr average growth. Net income is $10M (loss), growing at -151.3%/yr. Net profit margin is -10.3% (negative). Gross margin is 48.4% (-37.4 pp trend).

Balance sheet: total debt is $324M against $313M equity (Debt-to-Equity (D/E) ratio 1.04, moderate). Current ratio is 87.05 (strong liquidity). Debt-to-assets is 15%. Total assets: $2.2B.

Analyst outlook: 0 / 3 analysts rate BLFY as buy (0%) — mixed sentiment.

SharesGrow 7-Criteria breakdown: Value 67/100 (Pass), Growth 48/100 (Partial), Past 25/100 (Fail), Health 50/100 (Partial), Moat 28/100 (Fail), Future 26/100 (Fail), Income 10/100 (Fail).

$12.00
▼ 9.37% Downside
Average Price Target
The 12-month price target for Blue Foundry Bancorp is $12.00.

BLFY SharesGrow Score Overview

36/100
SharesGrow Score
Below average — proceed with caution
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VALUE 67/100
Valuation — P/E, PEG, Forward PEG
GROWTH 48/100
Financials — average growth
PAST 25/100
strong — trend
HEALTH 50/100
Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is
MOAT 28/100
Gross margin is + market cap
FUTURE 26/100
Analyst outlook — as buy
INCOME 10/100
Net profit margin is
Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — BLFY

VALUE Pass
67/100
BLFY trades at a trailing Price-to-Earnings (P/E) of -25.9 (S&P 500 average ~25). Forward PEG 0.12 — Peter Lynch undervalued (≤1.0). Trailing PEG 1.95. Analyst consensus target is $12, implying -9.4% from the current price $13. Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.
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GROWTH Partial
48/100
BLFY: +14.4%/yr revenue is, -151.3%/yr Net income is average growth. mixed. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.
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PAST Fail
25/100
BLFY: 1 / 4 years profitable. weak. Score = 1 / 4 × 100. ≥ 80 = Pass.
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~
HEALTH Partial
50/100
Balance sheet BLFY: Debt-to-Equity (D/E) ratio 1.04 (moderate), Current ratio is 87.05 (strong liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.
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MOAT Fail
28/100
BLFY: Gross margin is 48.4% (-37.4 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 28/100. ≥ 70 = Pass.
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FUTURE Fail
26/100
Analyst outlook: 0 / 3 analysts rate BLFY as buy (0%). Analyst consensus target is $12 (-9.4% upside). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.
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INCOME Fail
10/100
BLFY: Net profit margin is -10.3%. negative. Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.
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Stock Chart & Stats

Market Data
52-Week Range7.612-14.74
Volume707.96K
Avg Volume (30D)339.08K
Market Cap$274.88M
Beta (1Y)0.54
Share Statistics
EPS (TTM)-0.51
Shares Outstanding$19.65M
IPO Date2021-07-16
Employees184
CEOJames D. Nesci
Financial Highlights & Ratios
Revenue (TTM)$96.99M
Gross Profit$46.94M
EBITDA$-7.07M
Net Income$-10.03M
Operating Income$-10.03M
Total Cash$354.37M
Total Debt$324.43M
Net Debt$271.29M
Total Assets$2.17B
Price / Earnings (P/E)-26
Price / Sales (P/S)2.83
Analyst Forecast
1Y Price Target$12.00
Target High$12.00
Target Low$12.00
Upside-9.4%
Rating ConsensusHold
Analysts Covering3
Buy 0% Hold 100% Sell 0%
Price Target Summary
Company Info
CountryUS
ExchangeNASDAQ Global Select
CurrencyUSD
ISINUS09549B1044

Price Chart

BLFY
Blue Foundry Bancorp  ·  NASDAQ Global Select
Financial Services • Banks - Regional
7.61 52WK RANGE 14.74
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