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%
Metric 2025 Q4 2025 Q3 2025 Q2 2025 Q1 2024 Q4 2024 Q3 2024 Q2 2024 Q1 2023 Q4 2023 Q3 2023 Q2 2023 Q1 2022 Q4 2022 Q3 2022 Q2 2022 Q1 2021 Q4 2021 Q3 2021 Q2 2021 Q1 2020 Q4 2020 Q3 2020 Q2 2020 Q1
Revenue
Revenue 25.5 24.5 23.8 23.1 22.2 21.9 21.8 21.3 20.9 20.5 20.1 19.3 18.0 17.2 15.4 14.5 14.9 14.6 14.5 14.6 14.8 15.7 16.7 4.2
Cost of Revenue 13.1 12.5 12.3 12.2 12.0 12.7 11.0 10.9 11.3 9.6 9.0 6.9 4.2 2.3 2.2 0.5 1.2 3.9 2.9 3.3 5.9 5.5 7.2 7.8
Gross Profit 12.4 12.0 11.6 10.9 10.2 9.2 10.9 10.4 9.6 11.0 11.1 12.4 13.8 14.9 13.2 14.0 13.6 10.7 11.6 11.3 8.9 10.2 9.5 (3.6)
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses (24.3) 8.4 8.2 8.1 7.2 7.6 7.9 7.8 7.2 7.0 7.4 8.0 3.4 7.7 7.6 7.7 9.4 8.6 7.2 8.5 7.2 8.4 7.3 7.0
Other Expenses 40.2 5.5 5.3 5.5 5.6 5.6 5.3 5.4 5.3 5.4 5.6 5.6 9.7 5.8 5.5 5.7 7.7 23.3 5.2 4.1 4.9 4.6 19.7 5.4
Operating Expenses 15.9 13.9 13.5 13.6 12.9 13.3 13.2 13.2 12.5 12.4 13.0 13.7 13.1 13.5 13.1 13.4 17.1 31.9 12.4 12.6 12.0 13.0 27.0 12.4
Operating Income
Operating Income (3.5) (1.9) (2.0) (2.7) (2.7) (4.0) (2.3) (2.8) (2.9) (1.4) (1.8) (1.2) 0.7 1.4 0.0 0.6 (3.5) (21.2) (0.7) (1.3) (3.1) (2.8) (17.4) (16.0)
Interest Expense 12.2 11.9 11.8 12.0 12.3 12.4 11.7 11.4 11.1 10.3 8.9 6.9 4.6 2.6 1.7 1.7 1.9 3.0 3.9 4.3 4.9 5.5 5.9 6.3
Interest Income 25.0 24.1 23.4 22.7 21.8 21.5 21.3 20.8 20.3 20.2 19.8 18.8 17.6 16.4 14.9 13.6 14.2 14.1 13.8 13.9 14.2 15.1 15.9 16.4
Profitability
EBITDA (4.8) (0.5) (0.5) (1.3) (4.1) (2.5) (0.8) (1.3) (2.1) (0.0) (0.4) 0.1 1.4 2.1 0.7 1.2 (2.8) (20.6) (0.3) (0.7) (2.6) (2.4) (16.9) (15.5)
EBIT (3.5) (1.9) (2.0) (2.7) (2.7) (4.0) (2.3) (2.8) (2.9) (1.4) (1.8) (1.2) 0.7 1.4 0.0 0.6 (3.5) (21.2) (0.7) (1.3) (3.1) (2.8) (17.4) (16.0)
Income Before Tax (3.5) (1.9) (2.0) (2.7) (2.7) (4.0) (2.3) (2.8) (2.9) (1.4) (1.8) (1.2) 0.7 1.4 0.0 0.6 (3.5) (21.2) (0.7) (1.3) (3.1) (2.8) (17.4) (16.0)
Income Tax Expense 0 0 0 0 0 0 0 0 0 0 0 0 0.2 0.1 0.0 0.0 16.1 (6.2) 0.3 (0.6) (1.4) (1.1) (0.7) (4.7)
Net Income (3.5) (1.9) (2.0) (2.7) (2.7) (4.0) (2.3) (2.8) (2.9) (1.4) (1.8) (1.2) 0.6 1.2 0.0 0.6 (19.6) (15.0) (1.0) (0.7) (1.8) (1.7) (16.7) (11.3)
Per Share Data
EPS (Basic) -0.19 -0.10 -0.10 -0.13 -0.13 -0.19 -0.11 -0.13 -0.13 -0.06 -0.08 -0.05 0.02 0.05 0.00 0.02 -0.75 -0.57 -0.04 -0.03 -0.06 -0.06 -0.60 -0.41
EPS (Diluted) -0.19 -0.10 -0.10 -0.13 -0.13 -0.19 -0.11 -0.13 -0.13 -0.06 -0.08 -0.05 0.02 0.05 0.00 0.02 -0.75 -0.57 -0.04 -0.03 -0.06 -0.06 -0.60 -0.41
Shares Outstanding 19.6 19.9 20.1 20.4 20.7 21.3 21.7 22.1 22.8 23.3 24.2 25.4 25.7 26.1 26.4 26.3 26.2 26.2 27.8 27.8 27.8 27.8 27.8 27.8
Metric 2025 Q4 2025 Q3 2025 Q2 2025 Q1 2024 Q4 2024 Q3 2024 Q2 2024 Q1 2023 Q4 2023 Q3 2023 Q2 2023 Q1 2022 Q4 2022 Q3 2022 Q2 2022 Q1 2021 Q4 2021 Q3 2021 Q2 2021 Q1 2020 Q4
Current Assets
Cash & Cash Equivalents 53.1 44.1 41.9 46.2 42.5 76.1 60.3 53.8 46.0 52.4 45.8 57.6 41.2 57.3 54.8 101.6 193.4 324.3 925.1 292.1 316.4
Short-Term Investments 92.1 273.9 284.2 286.6 297.0 290.8 297.8 265.2 283.8 283.6 300.9 309.1 314.2 321.3 352.2 375.6 324.9 314.1 294.5 274.5 244.6
Net Receivables 9.3 9.2 8.8 8.7 8.0 8.4 7.9 8.0 7.6 7.8 7.3 7.4 6.9 6.4 5.9 5.8 5.4 5.7 5.5 5.9 5.7
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 1,701.1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 154.6 2,028.3 334.9 341.6 347.5 375.3 365.9 326.9 337.4 343.8 354.0 374.1 362.3 385.1 412.9 483.0 523.7 644.1 1,225.1 572.5 566.8
Non-Current Assets
Property, Plant & Equipment 48.5 48.9 50.3 51.6 53.0 54.4 55.5 56.1 57.6 57.9 58.1 57.2 55.7 55.5 54.8 52.9 53.6 52.7 50.6 46.7 44.4
Goodwill 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Intangible Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Long-Term Investments 1,912.3 1,728.1 1,688.8 1,644.5 1,603.6 1,571.1 1,567.5 1,573.6 1,579.8 1,613.4 1,623.7 1,629.0 1,565.4 1,527.0 1,455.4 1,357.9 1,296.5 1,268.4 1,250.3 1,293.7 1,279.4
Other Non-Current Assets 52.7 (1,728.1) 53.5 54.5 56.6 54.4 56.5 71.0 70.1 45.5 44.7 40.8 59.9 44.3 40.9 44.4 40.5 59.0 50.9 50.7 51.9
Total Non-Current Assets 2,013.5 48.9 1,792.6 1,750.6 1,713.1 1,679.8 1,679.5 1,700.8 1,707.6 1,716.7 1,726.5 1,727.0 1,681.0 1,626.8 1,551.1 1,455.2 1,390.5 1,380.2 1,351.8 1,391.1 1,375.8
Total Assets 2,168.0 2,155.8 2,127.5 2,092.2 2,060.7 2,055.1 2,045.5 2,027.8 2,045.0 2,060.6 2,080.5 2,101.1 2,043.3 2,011.9 1,964.0 1,938.2 1,914.2 2,024.3 2,576.9 1,963.6 1,942.5
Current Liabilities
Account Payables 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Short-Term Debt 0 23.1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 1,509.9 0 1,416.3 1,387.2 1,343.3 1,318.7 1,311.2 1,291.2 1,244.9 1,253.1 1,267.3 1,244.6 1,288.9 1,266.5 1,296.7 1,283.0 1,247.0 1,265.6 2,008.1 1,385.8 1,356.2
Total Current Liabilities 1,509.9 23.1 1,416.3 1,387.2 1,343.3 1,318.7 1,311.2 1,291.2 1,244.9 1,253.1 1,267.3 1,244.6 1,288.9 1,266.5 1,296.7 1,283.0 1,247.0 1,265.6 2,008.1 1,385.8 1,356.2
Non-Current Liabilities
Long-Term Debt 301 301 343 334 339.5 348.5 342.5 342.5 397.5 402.5 399.5 422.5 310.5 295.5 205.5 185.5 185.5 247.6 315.4 324.4 329.4
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 21.0 1,497.4 23.1 19.8 20.5 22.8 20.0 17.9 20.1 18.4 19.1 20.5 22.9 25.7 24.1 23.3 25.5 35.6 21.7 22.9 25.8
Total Non-Current Liabilities 345.4 1,818.2 389.9 378.3 385.2 397.1 388.7 386.4 444.4 448.3 446.7 470.8 360.8 348.1 255.1 234.9 237.7 310.5 363.9 372.3 380.8
Total Liabilities 1,855.3 1,841.4 1,806.2 1,765.5 1,728.5 1,715.8 1,699.9 1,677.6 1,689.3 1,701.4 1,714.0 1,715.4 1,649.6 1,614.6 1,551.8 1,517.9 1,484.7 1,576.1 2,371.9 1,758.2 1,736.9
Stockholders' Equity
Common Stock 0.3 0.3 0.3 0.3 0.3 0.3 0.3 0.3 0.3 0.3 0.3 0.3 0.3 0.3 0.3 0.3 0.3 0.3 0.0 0.0 0.0
Retained Earnings 142.4 145.9 147.8 149.7 152.4 155.1 159.2 161.5 164.3 167.3 168.7 170.5 171.8 171.2 170.1 170.0 169.5 189.1 204.1 205.1 205.8
Accumulated Other Comprehensive Income (16.1) (16.9) (18.5) (18.1) (19.0) (18.6) (20.9) (21.2) (22.9) (27.2) (23.1) (23.1) (24.7) (27.6) (18.7) (10.5) (0.4) (0.5) 0.0 (0.4) (1.0)
Total Stockholders' Equity 312.7 314.4 321.3 326.7 332.2 339.3 345.6 350.2 355.6 359.1 366.5 385.7 393.7 397.3 412.3 420.2 429.5 448.2 204.9 205.5 205.6
Total Liabilities & Equity 2,168.0 2,155.8 2,127.5 2,092.2 2,060.7 2,055.1 2,045.5 2,027.8 2,045.0 2,060.6 2,080.5 2,101.1 2,043.3 2,011.9 1,964.0 1,938.2 1,914.2 2,024.3 2,576.9 1,963.6 1,942.5
Debt Metrics
Total Debt 324.4 344.0 366.8 358.5 364.7 374.4 368.7 368.6 424.3 430.0 427.6 450.3 337.8 322.4 231.0 211.6 212.2 274.9 342.2 349.5 354.9
Net Debt 271.3 299.9 324.9 312.3 322.2 298.3 308.5 314.8 378.3 377.6 381.9 392.7 296.6 265.1 176.2 110.0 18.8 (49.4) (582.9) 57.3 38.5
Metric 2025 Q4 2025 Q3 2025 Q2 2025 Q1 2024 Q4 2024 Q3 2024 Q2 2024 Q1 2023 Q4 2023 Q3 2023 Q2 2023 Q1 2022 Q4 2022 Q3 2022 Q2 2022 Q1 2021 Q4 2021 Q3 2021 Q2 2021 Q1 2020 Q4 2020 Q3 2020 Q2 2020 Q1
Operating Activities
Net Income (3.5) (1.9) (2.0) (2.7) (2.7) (4.0) (2.3) (2.8) (2.9) (1.4) (1.8) (1.2) 0.6 1.2 0.0 0.6 (19.6) (15.0) (1.0) (0.7) (1.8) (1.7) (16.7) (11.3)
Depreciation & Amortization 2.8 (0.6) 1.4 1.4 (1.4) 1.5 1.5 1.5 0.8 1.4 1.4 1.4 0.7 0.7 0.6 0.6 0.7 0.6 0.4 0.6 0.5 0.4 0.5 0.5
Stock-Based Compensation 1.0 1.0 0.9 1.0 1.1 1.0 1.0 1.0 0.9 0.9 1.0 0.9 0.8 0.4 0.3 0.3 0.7 0.6 0 0 0 0 0 0
Change in Working Capital (6.4) 2.5 1.3 (3.8) 2.7 (2.6) 14.8 (4.2) (8.7) 0.4 (2.1) (3.0) (0.6) 2.0 (3.8) (1.1) 0.7 (5.3) (2.5) 2.5 1.5 2.7 1.0 (3.8)
Other Non-Cash Items 0.1 (1.3) 0.3 0.3 (0.2) 0.4 (0.8) (0.3) 2.7 (0.5) 0.3 (2.5) (0.2) (0.4) 0.8 (0.8) (9.1) 26.4 (2.2) (0.6) 1.5 (1.1) 17.1 15.9
Operating Cash Flow (6.0) (0.3) 2.0 (3.8) (0.5) (3.7) 14.1 (4.9) (7.2) 0.8 (1.3) (4.4) 1.3 3.9 (2.1) (0.4) (10.5) (0.1) (5.3) 1.8 1.0 (0.2) (2.4) 0.4
Investing Activities
Capital Expenditure (0.2) 0.2 (0.1) (0.1) (0.1) (0.0) 0.0 (0.0) (1.2) (1.3) (1.4) (1.7) (0.5) (1.0) (3.2) (0.6) (2.2) (2.4) (3.8) (3.5) (4.2) (1.1) (1.0) (1.0)
Acquisitions 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Purchases of Investments (89.5) (1.9) (42.1) (0.1) (44.7) (0.3) (44.3) 0 (15.5) 0 0 0 (3) (1) (0.1) (86.6) (33.0) (63.9) (31.7) (59.6) (32.4) (1.1) (13.4) (81.6)
Sales/Maturities of Investments 69.2 11.3 49.1 15.6 33.7 15.6 12.0 17.3 26.4 11.2 4.2 9.0 9.3 17.6 12.4 13.3 20.7 22.2 17.3 26.0 16.1 34.0 26.1 23.1
Other Investing Activities 19.8 (34.5) (47.8) (42.1) (32.0) (3.9) 7.7 9.0 10.6 10.2 5.1 (45.3) (51.1) (70.1) (87.7) (53.8) (24.6) 3.1 43.6 (13.5) 66.4 72.2 (0.0) (0.6)
Investing Cash Flow (0.8) (24.9) (40.8) (26.6) (43.1) 11.5 (24.6) 26.3 20.2 20.1 7.9 (37.9) (45.4) (54.5) (78.6) (127.8) (39.1) (41.0) 25.4 (50.6) 45.9 104.0 11.7 (60.2)
Financing Activities
Net Debt Issuance 0 (42) 9 (5.5) (9) 6 0 (55) (5) 3 (23) 112 15 90 20 0 (62.1) (67.8) (9) (5) (10) (23) (10) 75.5
Stock Repurchased 0.0 (7.6) (3.9) (4.7) (5.1) (5.5) (3.4) (5.4) (5.5) (2.8) (18.3) (9.3) (7.8) (7.5) 0 0 0 0 0 0 0 0 0 0
Dividends Paid 0 (1.2) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Financing Activities 15.8 78.2 29.4 44.3 24.1 7.5 20.5 46.7 (8.9) (14.4) 22.8 (43.9) 20.7 (29.4) 13.9 36.2 (19.2) (491.9) 621.9 29.5 31.5 (19.6) 39.2 8.7
Financing Cash Flow 15.8 27.3 34.5 34.1 10.0 8.1 17.0 (13.7) (19.4) (14.2) (18.5) 58.8 27.9 53.1 33.9 36.2 (81.3) (559.7) 612.9 24.5 21.5 (42.6) 29.2 84.2
Cash Position
Net Change in Cash 9.1 2.2 (4.3) 3.7 (33.6) 15.8 6.5 7.7 (6.4) 6.6 (11.9) 16.4 (16.1) 2.5 (46.8) (91.9) (130.8) (600.8) 633.0 (24.3) 68.3 61.2 38.5 24.4
Cash at Beginning 44.1 41.9 46.2 42.5 76.1 60.3 53.8 46.0 52.4 45.8 57.6 41.2 57.3 54.8 101.6 193.4 324.3 925.1 292.1 316.4 248.1 186.9 148.4 124.0
Cash at End 53.1 44.1 41.9 46.2 42.5 76.1 60.3 53.8 46.0 52.4 45.8 57.6 41.2 57.3 54.8 101.6 193.4 324.3 925.1 292.1 316.4 248.1 186.9 148.4
Free Cash Flow (6.2) (0.1) 1.9 (3.9) (0.6) (3.7) 14.1 (4.9) (8.4) (0.5) (2.7) (6.1) 0.8 2.9 (5.3) (1.0) (12.7) (2.5) (9.1) (1.7) (3.2) (1.3) (3.4) (0.6)
Key Metrics 2025 Q4 2025 Q3 2025 Q2 2025 Q1 2024 Q4 2024 Q3 2024 Q2 2024 Q1 2023 Q4 2023 Q3 2023 Q2 2023 Q1 2022 Q4 2022 Q3 2022 Q2 2022 Q1 2021 Q4 2021 Q3 2021 Q2 2021 Q1 2020 Q4 2020 Q3 2020 Q2 2020 Q1
Income Statement
Revenue 25.5 24.5 23.8 23.1 22.2 21.9 21.8 21.3 20.9 20.5 20.1 19.3 18.0 17.2 15.4 14.5 14.9 14.6 14.5 14.6 14.8 15.7 16.7 4.2
Gross Profit 12.4 12.0 11.6 10.9 10.2 9.2 10.9 10.4 9.6 11.0 11.1 12.4 13.8 14.9 13.2 14.0 13.6 10.7 11.6 11.3 8.9 10.2 9.5 (3.6)
Operating Income (3.5) (1.9) (2.0) (2.7) (2.7) (4.0) (2.3) (2.8) (2.9) (1.4) (1.8) (1.2) 0.7 1.4 0.0 0.6 (3.5) (21.2) (0.7) (1.3) (3.1) (2.8) (17.4) (16.0)
Net Income (3.5) (1.9) (2.0) (2.7) (2.7) (4.0) (2.3) (2.8) (2.9) (1.4) (1.8) (1.2) 0.6 1.2 0.0 0.6 (19.6) (15.0) (1.0) (0.7) (1.8) (1.7) (16.7) (11.3)
EPS (Diluted) -0.19 -0.10 -0.10 -0.13 -0.13 -0.19 -0.11 -0.13 -0.13 -0.06 -0.08 -0.05 0.02 0.05 0.00 0.02 -0.75 -0.57 -0.04 -0.03 -0.06 -0.06 -0.60 -0.41
Balance Sheet
Cash & Equivalents 53.1 44.1 41.9 46.2 42.5 76.1 60.3 53.8 46.0 52.4 45.8 57.6 41.2 57.3 54.8 101.6 193.4 324.3 925.1 292.1 316.4
Total Assets 2,168.0 2,155.8 2,127.5 2,092.2 2,060.7 2,055.1 2,045.5 2,027.8 2,045.0 2,060.6 2,080.5 2,101.1 2,043.3 2,011.9 1,964.0 1,938.2 1,914.2 2,024.3 2,576.9 1,963.6 1,942.5
Total Debt 324.4 344.0 366.8 358.5 364.7 374.4 368.7 368.6 424.3 430.0 427.6 450.3 337.8 322.4 231.0 211.6 212.2 274.9 342.2 349.5 354.9
Stockholders' Equity 312.7 314.4 321.3 326.7 332.2 339.3 345.6 350.2 355.6 359.1 366.5 385.7 393.7 397.3 412.3 420.2 429.5 448.2 204.9 205.5 205.6
Cash Flow
Operating Cash Flow (6.0) (0.3) 2.0 (3.8) (0.5) (3.7) 14.1 (4.9) (7.2) 0.8 (1.3) (4.4) 1.3 3.9 (2.1) (0.4) (10.5) (0.1) (5.3) 1.8 1.0 (0.2) (2.4) 0.4
Capital Expenditure (0.2) 0.2 (0.1) (0.1) (0.1) (0.0) 0.0 (0.0) (1.2) (1.3) (1.4) (1.7) (0.5) (1.0) (3.2) (0.6) (2.2) (2.4) (3.8) (3.5) (4.2) (1.1) (1.0) (1.0)
Free Cash Flow (6.2) (0.1) 1.9 (3.9) (0.6) (3.7) 14.1 (4.9) (8.4) (0.5) (2.7) (6.1) 0.8 2.9 (5.3) (1.0) (12.7) (2.5) (9.1) (1.7) (3.2) (1.3) (3.4) (0.6)