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.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Revenue | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| R&D | - | - | - | - | - |
| SG&A | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - |
| D&A | $3.00M | $3.10M | $2.90M | $2.70M | $1.90M |
| Operating Income | - | - | - | - | - |
| Interest Expense | - | - | $37.19M | $10.57M | $22.56M |
| Income Tax | $0 | $0 | $0 | $338.0K | ($7.87M) |
| Net Income | ($10.03M) | ($11.91M) | ($7.40M) | $2.40M | ($31.51M) |
| EPS - Basic | ($0.51) | ($0.55) | ($0.31) | $0.09 | ($2.99) |
| EPS - Diluted | ($0.51) | ($0.55) | ($0.31) | $0.09 | ($2.99) |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | $53.14M | $42.50M | $46.02M | $41.18M | $193.45M |
| Accounts Receivable | - | - | - | - | - |
| Inventory | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - |
| Current Assets | - | - | - | - | - |
| Total Assets | $2.17B | $2.06B | $2.04B | $2.04B | $1.91B |
| Current Liabilities | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - |
| Total Liabilities | $1.86B | $1.73B | $1.69B | $1.65B | $1.48B |
| Stockholders' Equity | $312.74M | $332.20M | $355.64M | $393.72M | $429.47M |
| Retained Earnings | $142.40M | $152.43M | $164.34M | $171.76M | $169.46M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Operating Cash Flow | ($8.02M) | $5.06M | ($12.12M) | $2.78M | ($1.25M) |
| Investing Cash Flow | ($93.04M) | ($30.01M) | $10.30M | ($306.24M) | $101.39M |
| Financing Cash Flow | $111.69M | $21.42M | $6.66M | $151.19M | $92.27M |
| CapEx | - | $140.0K | $5.57M | $5.36M | $7.29M |
| Free Cash Flow | - | $4.92M | ($17.69M) | ($2.58M) | ($8.54M) |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Profitability | |||||
| Gross margin | - | - | - | - | - |
| Operating margin | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - |
| FCF / Net income | - | -0.41 | 2.39 | -1.08 | 0.27 |
| R&D / Revenue | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - |
| Effective tax rate | - | - | - | 12.4% | - |
| Return on assets | -0.5% | -0.6% | -0.4% | 0.1% | -1.6% |
| Return on equity | -3.2% | -3.6% | -2.1% | 0.6% | -7.3% |
| Return on invested capital | - | - | - | - | - |
| Liquidity | |||||
| Current ratio | - | - | - | - | - |
| Quick ratio | - | - | - | - | - |
| Cash ratio | - | - | - | - | - |
| Leverage | |||||
| Debt / Equity | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - |
| Interest coverage | - | - | - | - | - |
| Equity multiplier | 6.93 | 6.20 | 5.75 | 5.19 | 4.46 |
| Liabilities / Assets | 0.86 | 0.84 | 0.83 | 0.81 | 0.78 |
| Efficiency | |||||
| Asset turnover | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - |
| Valuation | |||||
| P / E | - | - | - | 142.8x | - |
| P / B | 0.8x | 0.6x | 0.7x | 0.9x | 0.4x |
| 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) | 15.8% | -61.0% | - | - | - |
| EPS growth (YoY) | 7.3% | -77.4% | - | - | - |
| EPS CAGR (3y) | - | - | - | - | - |
| EPS CAGR (5y) | - | - | - | - | - |
| FCF growth (YoY) | - | - | -584.3% | 69.7% | - |
| FCF CAGR (5y) | - | - | - | - | - |
| Book value growth (YoY) | -5.9% | -6.6% | -9.7% | -8.3% | - |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Product / service
$806.0K totalInterchange Income$561.0K · 69.6%
Service Charges On Deposits$245.0K · 30.4%
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
3/9
Weak
- ✗Net income positive
- ✗Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- -Asset turnover improved
Peer comparison
Same SIC group: Savings Institutions, Not Federally Chartered
Comparing Blue Foundry Bancorp against the 5 most active filers in the same SIC group.