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%
Annual Quarterly
Metric 2025 2024 2023 2022 2021 2020 2019
Revenue
Revenue 97.0 87.2 80.9 65.1 58.5 50.1 67.4
Cost of Revenue 50.0 46.6 36.7 9.3 11.3 26.4 23.2
Gross Profit 46.9 40.7 44.2 55.8 47.3 23.7 44.3
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0
SG&A Expenses 33.3 30.6 29.6 30.7 28.6 29.9 28.0
Other Expenses 23.6 22.0 22.0 22.4 45.3 33.2 9.0
Operating Expenses 57.0 52.6 51.6 53.1 74.0 63.0 37.0
Operating Income
Operating Income (10.0) (11.9) (7.4) 2.7 (26.7) (39.4) 7.3
Interest Expense 47.9 47.9 37.2 10.6 13.1 22.6 21.9
Interest Income 95.3 85.5 79.1 62.4 56.1 61.6 64.8
Profitability
EBITDA (7.1) (8.8) (4.5) 5.4 (24.4) (37.4) 9.2
EBIT (10.0) (11.9) (7.4) 2.7 (26.7) (39.4) 7.3
Income Before Tax (10.0) (11.9) (7.4) 2.7 (26.7) (39.4) 7.3
Income Tax Expense 0 0 0 0.3 9.6 (7.9) 1.8
Net Income (10.0) (11.9) (7.4) 2.4 (36.3) (31.5) 5.5
Per Share Data
EPS (Basic) -0.51 -0.55 -0.31 0.09 -1.38 -1.13 0.20
EPS (Diluted) -0.51 -0.55 -0.31 0.09 -1.38 -1.13 0.20
Shares Outstanding 19.6 21.5 23.9 26.2 26.3 27.8 27.8
Metric 2025 2024 2023 2022 2021 2020 2019
Current Assets
Cash & Cash Equivalents 53.1 42.5 46.0 41.2 193.4 316.4 124.0
Short-Term Investments 92.1 297.0 283.8 314.2 324.9 244.6 204.4
Net Receivables 9.3 8.0 7.6 6.9 5.4 5.7 5.4
Inventory 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0
Total Current Assets 154.6 347.5 337.4 362.3 523.7 566.8 333.8
Non-Current Assets
Property, Plant & Equipment 48.5 53.0 57.6 55.7 53.6 44.4 32.3
Goodwill 0 0 0 0 0 0 15.5
Intangible Assets 0 0 0 0 0 0 0
Long-Term Investments 1,912.3 1,603.6 1,579.8 1,565.4 1,296.5 1,279.4 1,423.4
Other Non-Current Assets 52.7 56.6 70.1 59.9 40.5 51.9 49.1
Total Non-Current Assets 2,013.5 1,713.1 1,707.6 1,681.0 1,390.5 1,375.8 1,520.3
Total Assets 2,168.0 2,060.7 2,045.0 2,043.3 1,914.2 1,942.5 1,854.1
Current Liabilities
Account Payables 0 0 0 0 0 0 0
Short-Term Debt 0 0 0 0 0 0 0
Deferred Revenue 0 0 0 0 0 0 0
Other Current Liabilities 1,509.9 1,343.3 1,244.9 1,288.9 1,247.0 1,356.2 1,295.0
Total Current Liabilities 1,509.9 1,343.3 1,244.9 1,288.9 1,247.0 1,356.2 1,295.0
Non-Current Liabilities
Long-Term Debt 301 339.5 397.5 310.5 185.5 329.4 296.9
Deferred Tax Liabilities 0 0 0 0 0 0 0
Other Non-Current Liabilities 21.0 20.5 20.1 22.9 25.5 25.8 24.6
Total Non-Current Liabilities 345.4 385.2 444.4 360.8 237.7 380.8 321.5
Total Liabilities 1,855.3 1,728.5 1,689.3 1,649.6 1,484.7 1,736.9 1,616.5
Stockholders' Equity
Common Stock 0.3 0.3 0.3 0.3 0.3 0.0 0.0
Retained Earnings 142.4 152.4 164.3 171.8 169.5 205.8 237.3
Accumulated Other Comprehensive Income (16.1) (19.0) (22.9) (24.7) (0.4) (1.0) (0.5)
Total Stockholders' Equity 312.7 332.2 355.6 393.7 429.5 205.6 237.6
Total Liabilities & Equity 2,168.0 2,060.7 2,045.0 2,043.3 1,914.2 1,942.5 1,854.1
Debt Metrics
Total Debt 324.4 364.7 424.3 337.8 212.2 354.9 296.9
Net Debt 271.3 322.2 378.3 296.6 18.8 38.5 172.9
Metric 2025 2024 2023 2022 2021 2020 2019
Operating Activities
Net Income (10.0) (11.9) (7.4) 2.4 (36.3) (31.5) 5.5
Depreciation & Amortization 3.0 3.1 2.9 2.7 2.3 1.9 1.9
Stock-Based Compensation 4.0 4.1 3.8 1.8 1.3 0 0
Change in Working Capital (6.6) 10.7 (11.4) (3.5) 11.6 1.4 (4.8)
Other Non-Cash Items 1.6 (0.9) (0.0) (0.6) (1.8) 33.4 2.0
Operating Cash Flow (8.0) 5.1 (12.1) 2.8 (14.1) (1.3) 5.4
Investing Activities
Capital Expenditure (0.3) (0.1) (5.6) (5.4) (11.9) (7.3) (2.2)
Acquisitions 0 0 0 0 0 0 0
Purchases of Investments (133.5) (89.3) (15.5) (90.8) (188.3) (128.6) (128.5)
Sales/Maturities of Investments 140.4 78.6 50.8 52.5 86.2 99.3 40.3
Other Investing Activities (100.0) (19.2) (19.4) (262.6) 8.7 138.0 32.7
Investing Cash Flow (93.0) (30.0) 10.3 (306.2) (105.3) 101.4 (57.7)
Financing Activities
Net Debt Issuance (38.5) (58) 87 125 (143.9) 32.5 100.4
Stock Repurchased (16.3) (19.4) (36.0) (15.3) 0 0 0
Dividends Paid 0 0 0 0 0 0 0
Other Financing Activities 166.4 98.8 (44.3) 41.5 (110.4) 59.8 41.5
Financing Cash Flow 111.7 21.4 6.7 151.2 (3.5) 92.3 141.9
Cash Position
Net Change in Cash 10.6 (3.5) 4.8 (152.3) (123.0) 192.4 89.6
Cash at Beginning 42.5 46.0 41.2 193.4 316.4 124.0 34.5
Cash at End 53.1 42.5 46.0 41.2 193.4 316.4 124.0
Free Cash Flow (8.3) 4.9 (17.7) (2.6) (26.0) (8.5) 3.2
Key Metrics 2025 2024 2023 2022 2021 2020 2019
Income Statement
Revenue 97.0 87.2 80.9 65.1 58.5 50.1 67.4
Gross Profit 46.9 40.7 44.2 55.8 47.3 23.7 44.3
Operating Income (10.0) (11.9) (7.4) 2.7 (26.7) (39.4) 7.3
Net Income (10.0) (11.9) (7.4) 2.4 (36.3) (31.5) 5.5
EPS (Diluted) -0.51 -0.55 -0.31 0.09 -1.38 -1.13 0.20
Balance Sheet
Cash & Equivalents 53.1 42.5 46.0 41.2 193.4 316.4 124.0
Total Assets 2,168.0 2,060.7 2,045.0 2,043.3 1,914.2 1,942.5 1,854.1
Total Debt 324.4 364.7 424.3 337.8 212.2 354.9 296.9
Stockholders' Equity 312.7 332.2 355.6 393.7 429.5 205.6 237.6
Cash Flow
Operating Cash Flow (8.0) 5.1 (12.1) 2.8 (14.1) (1.3) 5.4
Capital Expenditure (0.3) (0.1) (5.6) (5.4) (11.9) (7.3) (2.2)
Free Cash Flow (8.3) 4.9 (17.7) (2.6) (26.0) (8.5) 3.2