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CoverageForm 410-K10-Q8-K13D13G13F

BLFY · Blue Foundry Bancorp - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Price · BLFY

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AnnualQuarterly

Income Statement

Line itemQ4 '25Q3 '25Q2 '25Q1 '25Q4 '24Q3 '24Q2 '24Q1 '24Q4 '23Q3 '23
Revenue----------
Cost of Revenue----------
Gross Profit----------
R&D----------
SG&A----------
Total Operating Expenses----------
D&A----------
Operating Income----------
Interest Expense-------$11.43M-$10.30M
Income Tax-$0$0$0-$0$0$0-$0
Net Income-($1.87M)($1.96M)($2.69M)-($4.04M)($2.34M)($2.84M)-($1.43M)
EPS - Basic-($0.10)($0.10)($0.13)-($0.19)($0.11)($0.13)-($0.06)
EPS - Diluted-($0.10)($0.10)($0.13)-($0.19)($0.11)($0.13)-($0.06)

Balance Sheet

Line itemQ4 '25Q3 '25Q2 '25Q1 '25Q4 '24Q3 '24Q2 '24Q1 '24Q4 '23Q3 '23
Cash & Equivalents$53.14M$44.09M$41.88M$46.22M$42.50M$76.11M$60.26M$53.75M$46.02M$52.41M
Accounts Receivable----------
Inventory----------
Accounts Payable----------
Current Assets----------
Total Assets$2.17B$2.16B$2.13B$2.09B$2.06B$2.06B$2.05B$2.03B$2.04B$2.06B
Current Liabilities----------
Long-term Debt----------
Total Liabilities$1.86B$1.84B$1.81B$1.77B$1.73B$1.72B$1.70B$1.68B$1.69B$1.70B
Stockholders' Equity$312.74M$314.40M$321.30M$326.66M$332.20M$339.30M$345.60M$350.16M$355.64M$359.15M
Retained Earnings$142.40M$145.91M$147.78M$149.74M$152.43M$155.12M$159.16M$161.50M$164.34M$167.27M

Cash Flow

Line itemQ4 '25Q3 '25Q2 '25Q1 '25Q4 '24Q3 '24Q2 '24Q1 '24Q4 '23Q3 '23
Operating Cash Flow---($3.79M)---($4.86M)--
Investing Cash Flow---($26.58M)---$26.30M--
Financing Cash Flow---$34.09M---($13.71M)--
CapEx-------$9.0K--
Free Cash Flow-------($4.86M)--

Ratios

MetricQ4 '25Q3 '25Q2 '25Q1 '25Q4 '24Q3 '24Q2 '24Q1 '24Q4 '23Q3 '23
Profitability
Gross margin----------
Operating margin----------
EBITDA margin----------
Net margin----------
Free cash flow margin----------
FCF / Net income-------1.71--
R&D / Revenue----------
SG&A / Revenue----------
Effective tax rate----------
Return on assets--0.1%-0.1%-0.1%--0.2%-0.1%-0.1%--0.1%
Return on equity--0.6%-0.6%-0.8%--1.2%-0.7%-0.8%--0.4%
Return on invested capital----------
Liquidity
Current ratio----------
Quick ratio----------
Cash ratio----------
Leverage
Debt / Equity----------
Debt / Assets----------
Debt / EBITDA----------
Interest coverage----------
Equity multiplier6.936.866.626.406.206.065.925.795.755.74
Liabilities / Assets0.860.850.850.840.840.830.830.830.830.83
Efficiency
Asset turnover----------
Inventory turnover----------
Days sales outstanding----------
Days inventory outstanding----------
Days payable outstanding----------
Cash conversion cycle----------
Valuation
P / E----------
P / B-0.6x0.6x0.6x-0.6x0.6x0.6x-0.5x
P / S----------
EV / EBITDA----------
Growth
Revenue growth (YoY)----------
Revenue CAGR (3y)----------
Revenue CAGR (5y)----------
Gross profit growth (YoY)----------
Operating income growth (YoY)----------
Net income growth (YoY)-53.8%16.5%5.2%--182.2%-28.4%-134.8%--
EPS growth (YoY)-47.4%9.1%0.0%--216.7%-37.5%-160.0%--
EPS CAGR (3y)----------
EPS CAGR (5y)----------
FCF growth (YoY)-------20.2%--
FCF CAGR (5y)----------
Book value growth (YoY)-5.9%-7.3%-7.0%-6.7%-6.6%-5.5%-5.7%-9.2%-9.7%-9.6%

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2025-12-31.

Product / service

$806.0K total
Interchange Income$561.0K · 69.6%
Service Charges On Deposits$245.0K · 30.4%

Peer comparison

Same SIC group: Savings Institutions, Not Federally Chartered

CompanyRevenue (last FY)Net marginROE
FSBW--10.8%
HFWA$12.01M562.5%7.3%
NYSE:NYCB---2.2%
BHLB$29.95M301.4%3.6%
TCBX--12.5%

Comparing Blue Foundry Bancorp against the 5 most active filers in the same SIC group.