Blue Foundry Bancorp logo BLFY - Blue Foundry Bancorp

Inactive Ticker BLFY is not actively trading. Quotes and analytics may be stale.
Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY 0
BUY 0
HOLD 3
SELL 0
STRONG
SELL 0
| PRICE TARGET: $12.00 DETAILS
HIGH: $12.00
LOW: $12.00
MEDIAN: $12.00
CONSENSUS: $12.00
DOWNSIDE: 9.37%
AlphaVal

AlphaVal

Deterministic, archetype-aware fair value

Banks, Insurers & Asset Managers 85% confidence

Primary model: P/Tangible Book × ROE Quality

Valuation Signal Overvalued Strong
Trading 193.0% above fair value
Current Price $13.24
Bear Case $4.52 65.9% downside ($4.52 - $13.24) / $13.24 = -65.9% ROTCE 4.0% → 0.30x TBV
Fair Value $4.52 65.9% downside ($4.52 - $13.24) / $13.24 = -65.9% ROTCE -3.2% → 0.30x TBV
Bull Case $4.52 65.9% downside ($4.52 - $13.24) / $13.24 = -65.9% ROTCE -3.7% → 0.30x TBV

Adjust Assumptions

-3.2%
7.2%

Key Value Driver

ROTCE (-3.2%) vs. cost of equity (7.2%)

Implied Market Multiple 0.88x

Plain-Language Summary

With ROTCE of -3.2% vs. 7.2% cost of equity, fair P/TBV is 0.30x on $15.06 tangible book, implying $4.52 per share.

Warnings

⚠ Traditional cash flow models don't work well for banks — lending activity distorts how much cash the business actually generates.
⚠ Common valuation shortcuts don't apply here — for banks, interest payments are a core business cost, not overhead.
⚠ Return on equity (-3.2%) is below the minimum investors require (7.2%). This means the bank is worth less than the net assets on its books.

Key Risks

  • Book value quality matters as much as level — check loan loss reserves
  • Interest rate sensitivity creates non-linear earnings surprises
  • Insurance reserving is actuarial, not financial — errors emerge slowly