Free Trial
→ I'm giving you a space stock today. Free. (From Behind the Markets) (Ad)tc pixel Free BLFY Stock Alerts

Blue Foundry Bancorp (BLFY) Financials

Blue Foundry Bancorp logo
$13.24 0.00 (0.00%)
As of 10/15/2026
Compare
Annual Income Statements for Blue Foundry Bancorp

Annual Income Statements for Blue Foundry Bancorp

This table shows Blue Foundry Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2020 2021 2022 2023 2024 2025
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 -32 -36 2.40 -7.40 -12 -10
Consolidated Net Income / (Loss)		 -32 -36 2.40 -7.40 -12 -10
Net Income / (Loss) Continuing Operations		 -32 -36 2.40 -7.40 -12 -10
Total Pre-Tax Income 		-39 -27 2.73 -7.40 -12 -10
Total Revenue		 40 45 55 44 39 49
Net Interest Income / (Expense)		 39 43 52 42 38 47
Total Interest Income		 62 56 62 79 85 95
Loans and Leases Interest Income		 54 49 52 66 70 81
Investment Securities Interest Income		 7.50 7.33 10 13 15 15
Total Interest Expense		 23 13 11 37 48 48
Deposits Interest Expense		 16 7.88 5.74 24 37 37
Long-Term Debt Interest Expense		 6.68 5.22 4.83 13 11 11
Total Non-Interest Income		 1.21 2.48 2.66 1.81 1.79 1.68
Other Service Charges		 2.53 2.48 2.65 1.55 1.76 1.68
Net Realized & Unrealized Capital Gains on Investments		 0.07 -0.00 0.01 0.25 0.04 0.00
Provision for Credit Losses		 2.52 -2.52 -1.00 -0.44 -1.35 2.12
Total Non-Interest Expense		 77 75 53 52 53 57
Salaries and Employee Benefits		 23 26 29 28 29 32
Net Occupancy & Equipment Expense		 9.95 15 13 14 15 15
Marketing Expense		 2.64 2.39 1.06 0.35 0.29 0.47
Property & Liability Insurance Claims		 0.33 0.49 0.38 0.80 0.86 0.92
Other Operating Expenses		 13 31 8.71 7.50 7.50 8.56
Income Tax Expense		 -7.87 9.62 0.34 0.00 0.00 0.00
Basic Earnings per Share		 $0.00 ($2.99) $0.09 ($0.31) ($0.55) ($0.51)
Weighted Average Basic Shares Outstanding		 0.00 12.17M 26.17M 23.93M 21.48M 19.65M
Diluted Earnings per Share		 $0.00 ($2.99) $0.09 ($0.31) ($0.55) ($0.51)
Weighted Average Diluted Shares Outstanding		 0.00 12.17M 26.27M 23.93M 21.48M 19.65M
Weighted Average Basic & Diluted Shares Outstanding		 - 28.52M 27.52M 24.34M 22.10M 19.13M

Quarterly Income Statements for Blue Foundry Bancorp

This table shows Blue Foundry Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 -1.43 -2.93 -2.84 -2.34 -4.04 -2.69 -2.69 -1.96 -1.87 -3.51
Consolidated Net Income / (Loss)		 -1.43 -2.93 -2.84 -2.34 -4.04 -2.69 -2.69 -1.96 -1.87 -3.51
Net Income / (Loss) Continuing Operations		 -1.43 -2.93 -2.84 -2.34 -4.04 -2.69 -2.69 -1.96 -1.87 -3.51
Total Pre-Tax Income 		-1.43 -2.93 -2.84 -2.34 -4.04 -2.69 -2.69 -1.96 -1.87 -3.51
Total Revenue		 10 9.77 9.87 10 9.47 9.89 11 12 13 13
Net Interest Income / (Expense)		 9.88 9.20 9.42 9.57 9.09 9.47 11 12 12 13
Total Interest Income		 20 20 21 21 22 22 23 23 24 25
Loans and Leases Interest Income		 17 17 17 18 18 18 19 20 21 21
Investment Securities Interest Income		 3.45 3.43 3.65 3.72 3.89 4.01 3.82 3.68 3.52 3.57
Total Interest Expense		 10 11 11 12 12 12 12 12 12 12
Deposits Interest Expense		 7.03 7.76 8.41 9.13 9.71 9.57 9.03 8.97 9.28 9.78
Long-Term Debt Interest Expense		 3.26 3.38 3.01 2.59 2.73 2.74 2.94 2.83 2.66 2.44
Total Non-Interest Income		 0.37 0.57 0.45 0.54 0.39 0.42 0.39 0.41 0.42 0.47
Other Service Charges		 0.37 0.48 0.42 0.54 0.39 0.42 0.39 0.41 0.42 0.47
Provision for Credit Losses		 -0.72 0.16 -0.54 -0.76 0.25 -0.30 0.20 0.46 0.59 0.87
Total Non-Interest Expense		 12 13 13 13 13 13 14 14 14 16
Salaries and Employee Benefits		 6.64 6.89 7.55 7.64 7.31 6.94 7.84 7.82 8.03 8.25
Net Occupancy & Equipment Expense		 3.58 3.65 3.58 3.60 3.64 3.71 3.79 3.68 3.64 3.98
Marketing Expense		 0.09 0.12 0.07 0.05 0.09 0.08 0.07 0.14 0.14 0.12
Property & Liability Insurance Claims		 0.26 0.20 0.20 0.19 0.24 0.23 0.22 0.23 0.24 0.23
Other Operating Expenses		 1.83 1.69 1.84 1.74 2.00 1.92 1.71 1.67 1.85 3.33
Basic Earnings per Share		 ($0.06) ($0.12) ($0.13) ($0.11) ($0.19) ($0.12) ($0.13) ($0.10) ($0.10) ($0.18)
Weighted Average Basic Shares Outstanding		 23.28M 23.93M 22.10M 21.74M 21.26M 21.48M 20.40M 19.84M 19.43M 19.65M
Diluted Earnings per Share		 ($0.06) ($0.12) ($0.13) ($0.11) ($0.19) ($0.12) ($0.13) ($0.10) ($0.10) ($0.18)
Weighted Average Diluted Shares Outstanding		 23.28M 23.93M 22.10M 21.74M 21.26M 21.48M 20.40M 19.84M 19.43M 19.65M
Weighted Average Basic & Diluted Shares Outstanding		 24.92M 24.34M 23.71M 23.21M 22.80M 22.10M 21.72M 21.50M 20.76M 19.13M

Annual Cash Flow Statements for Blue Foundry Bancorp

This table details how cash moves in and out of Blue Foundry Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2020 2021 2022 2023 2024 2025
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 192 -123 -152 4.84 -3.52 11
Net Cash From Operating Activities		 -1.25 -14 2.78 -12 5.06 -8.02
Net Cash From Continuing Operating Activities		 -1.25 -14 2.78 -12 5.06 -8.02
Net Income / (Loss) Continuing Operations		 -32 -36 2.40 -7.40 -12 -10
Consolidated Net Income / (Loss)		 -32 -36 2.40 -7.40 -12 -10
Provision For Loan Losses		 2.52 -2.52 -1.00 -0.44 -1.35 2.12
Depreciation Expense		 1.93 2.35 2.66 2.87 3.13 2.95
Amortization Expense		 1.30 2.00 0.41 0.45 0.56 -0.47
Non-Cash Adjustments to Reconcile Net Income		 24 20 3.86 6.13 6.33 6.43
Changes in Operating Assets and Liabilities, net		 0.42 0.72 -5.55 -14 8.31 -9.02
Net Cash From Investing Activities		 101 -105 -306 10 -30 -93
Net Cash From Continuing Investing Activities		 101 -105 -306 10 -30 -93
Purchase of Property, Leasehold Improvements and Equipment		 -7.29 -12 -5.36 -5.57 -0.14 -0.30
Purchase of Investment Securities		 -133 -193 -379 -88 -159 -322
Sale and/or Maturity of Investments		 241 100 78 104 129 229
Net Cash From Financing Activities		 92 -3.52 151 6.66 21 112
Net Cash From Continuing Financing Activities		 92 -3.52 151 6.66 21 112
Net Change in Deposits		 61 -109 42 -44 98 167
Issuance of Debt		 621 584 1,423 2,292 1,006 1,787
Repayment of Debt		 -589 -728 -1,298 -2,205 -1,064 -1,826
Repurchase of Common Equity		 - 0.00 -15 -36 -19 -16
Other Financing Activities, Net		 -1.37 -1.26 -0.28 -0.37 0.43 -0.09
Cash Interest Paid		 23 13 11 36 48 47
Cash Income Taxes Paid		 0.17 0.15 0.19 0.10 0.14 0.12

Quarterly Cash Flow Statements for Blue Foundry Bancorp

This table details how cash moves in and out of Blue Foundry Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
Net Change in Cash & Equivalents		 6.65 -6.38 7.73 6.51 16 -34 3.72 -4.34 2.21 9.06
Net Cash From Operating Activities		 0.78 -7.21 -4.86 14 -3.70 -0.51 -3.79 2.01 -0.26 -5.98
Net Cash From Continuing Operating Activities		 0.78 -7.21 -4.86 14 -3.70 -0.51 -3.79 2.01 -0.26 -5.98
Net Income / (Loss) Continuing Operations		 -1.43 -2.93 -2.84 -2.34 -4.04 -2.69 -2.69 -1.96 -1.87 -3.51
Consolidated Net Income / (Loss)		 -1.43 -2.93 -2.84 -2.34 -4.04 -2.69 -2.69 -1.96 -1.87 -3.51
Provision For Loan Losses		 -0.72 0.16 -0.54 -0.76 0.25 -0.30 0.20 0.46 0.59 0.87
Depreciation Expense		 0.72 0.80 0.79 0.78 0.78 0.78 0.74 0.74 0.74 0.73
Amortization Expense		 0.16 0.12 0.24 0.08 0.17 0.07 0.06 -0.14 -0.11 -0.28
Non-Cash Adjustments to Reconcile Net Income		 -0.38 5.90 1.59 1.44 1.64 3.74 1.60 1.50 -0.47 3.80
Changes in Operating Assets and Liabilities, net		 2.43 -11 -4.10 15 -2.50 -2.11 -3.71 1.40 0.87 -7.58
Net Cash From Investing Activities		 20 20 26 -25 11 -43 -27 -41 -25 -0.75
Net Cash From Continuing Investing Activities		 20 20 26 -25 11 -43 -27 -41 -25 -0.75
Purchase of Property, Leasehold Improvements and Equipment		 -1.25 -1.24 -0.01 0.06 -0.09 -0.10 -0.06 -0.12 -0.07 -0.04
Purchase of Investment Securities		 3.91 -14 -0.31 -64 -26 -94 -76 -109 -87 -49
Sale and/or Maturity of Investments		 17 35 27 39 38 51 50 69 62 48
Net Cash From Financing Activities		 -14 -19 -14 17 8.07 10 34 34 27 16
Net Cash From Continuing Financing Activities		 -14 -19 -14 17 8.07 10 34 34 27 16
Net Change in Deposits		 -14 -8.20 46 20 7.51 25 44 29 77 16
Issuance of Debt		 351 444 354 204 224 224 640 548 341 258
Repayment of Debt		 -348 -449 -409 -204 -218 -233 -646 -539 -383 -258
Repurchase of Common Equity		 -2.83 -5.53 -5.43 -3.45 -5.48 -5.06 -4.71 -3.92 -7.63 0.00
Other Financing Activities, Net		 -0.25 -0.69 0.44 0.51 0.03 -0.55 0.39 0.34 -0.10 -0.72
Cash Interest Paid		 9.49 12 12 12 11 13 11 12 12 12
Cash Income Taxes Paid		 0.02 0.06 0.02 0.00 0.06 0.06 0.04 0.03 0.03 0.02

Annual Balance Sheets for Blue Foundry Bancorp

This table presents Blue Foundry Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2020 2021 2022 2023 2024 2025
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 1,943 1,914 2,043 2,045 2,061 2,168
Cash and Due from Banks		 316 193 41 46 43 53
Trading Account Securities		 252 348 348 317 330 328
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00
Accrued Investment Income		 5.75 5.37 6.89 7.60 8.01 9.29
Premises and Equipment, Net		 20 28 30 32 29 27
Other Assets		 82 66 1,617 1,642 1,651 1,751
Total Liabilities & Shareholders' Equity		 1,943 1,914 2,043 2,045 2,061 2,168
Total Liabilities		 1,737 1,485 1,650 1,689 1,728 1,855
Non-Interest Bearing Deposits		 1,356 1,247 1,289 1,245 1,343 1,510
Interest Bearing Deposits		 11 9.58 9.30 8.93 9.36 9.24
Long-Term Debt		 329 186 311 398 340 301
Other Long-Term Liabilities		 41 43 41 38 36 35
Total Equity & Noncontrolling Interests		 206 429 394 356 332 313
Total Preferred & Common Equity		 206 429 394 356 332 313
Preferred Stock		 - 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 206 429 394 356 332 313
Common Stock		 0.83 282 280 274 278 281
Retained Earnings		 206 169 172 164 152 142
Treasury Stock		 - 0.00 -12 -40 -60 -76
Accumulated Other Comprehensive Income / (Loss)		 -1.03 -0.37 -25 -23 -19 -16
Other Equity Adjustments		 0.00 -22 -21 -20 -19 -18

Quarterly Balance Sheets for Blue Foundry Bancorp

This table presents Blue Foundry Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025
Total Assets		 2,061 2,028 2,045 2,055 2,092 2,128 2,156
Cash and Due from Banks		 52 54 60 76 46 42 44
Trading Account Securities		 284 265 331 324 319 313 301
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accrued Investment Income		 7.79 8.00 7.88 8.39 8.75 8.82 9.24
Premises and Equipment, Net		 32 32 31 30 29 28 28
Other Assets		 1,682 1,669 1,615 1,617 1,690 1,735 1,774
Total Liabilities & Shareholders' Equity		 2,061 2,028 2,045 2,055 2,092 2,128 2,156
Total Liabilities		 1,701 1,678 1,700 1,716 1,766 1,806 1,841
Non-Interest Bearing Deposits		 1,253 1,291 1,311 1,319 1,387 1,416 1,493
Interest Bearing Deposits		 9.62 9.37 9.88 9.91 9.74 10 9.98
Long-Term Debt		 403 343 343 349 334 343 301
Other Long-Term Liabilities		 36 35 36 39 35 37 37
Total Equity & Noncontrolling Interests		 359 350 346 339 327 321 314
Total Preferred & Common Equity		 359 350 346 339 327 321 314
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 359 350 346 339 327 321 314
Common Stock		 273 275 276 277 278 280 280
Retained Earnings		 167 162 159 155 150 148 146
Treasury Stock		 -34 -45 -49 -55 -64 -69 -76
Accumulated Other Comprehensive Income / (Loss)		 -27 -21 -21 -19 -18 -19 -17
Other Equity Adjustments		 -20 -20 -20 -19 -19 -19 -18

Annual Metrics And Ratios for Blue Foundry Bancorp

This table displays calculated financial ratios and metrics derived from Blue Foundry Bancorp's official financial filings.

Metric 2020 2021 2022 2023 2024 2025
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 0.00 28,522,500.00 27,881,922.00 24,924,802.00 - 20,761,225.00
DEI Adjusted Shares Outstanding		 0.00 28,522,500.00 27,881,922.00 24,924,802.00 - 20,761,225.00
DEI Earnings Per Adjusted Shares Outstanding		 0.00 -1.27 0.09 -0.30 - -0.48
Growth Metrics		 - - - - - -
Revenue Growth		 0.00% 25.59% 19.99% -19.78% -10.02% 24.71%
EBITDA Growth		 0.00% 14.26% 108.65% -170.29% -101.62% 8.29%
EBIT Growth		 0.00% 264.25% 110.23% -370.56% -61.02% 15.83%
NOPAT Growth		 0.00% -71.50% 106.40% -316.11% -61.02% 15.83%
Net Income Growth		 0.00% -46.05% 106.59% -408.72% -61.02% 15.83%
EPS Growth		 0.00% 0.00% 103.01% -444.44% -77.42% 7.27%
Operating Cash Flow Growth		 0.00% -3,088.66% 119.65% -536.06% 141.78% -258.33%
Free Cash Flow Firm Growth		 0.00% 0.00% 124.04% -110.24% 235.13% -30.32%
Invested Capital Growth		 0.00% 44.84% -42.74% 6.95% -10.81% -8.63%
Revenue Q/Q Growth		 0.00% 7.20% 0.61% -7.61% 0.32% 7.41%
EBITDA Q/Q Growth		 0.00% -217.09% 140.31% -572.32% 2.12% -19.29%
EBIT Q/Q Growth		 0.00% -1.45% 280.82% -97.73% 2.01% -8.92%
NOPAT Q/Q Growth		 0.00% -102.89% 326.38% -97.73% 2.01% -8.92%
Net Income Q/Q Growth		 0.00% -96.65% 113.47% -89.47% 2.01% -8.92%
EPS Q/Q Growth		 0.00% 0.00% 104.02% -82.35% 0.00% -13.33%
Operating Cash Flow Q/Q Growth		 0.00% -426.90% 130.86% -236.52% 410.61% -214.11%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 27,142.34% 24.26% 11.88% -22.77%
Invested Capital Q/Q Growth		 0.00% 153.52% 1.64% -1.12% -2.34% -0.27%
Profitability Metrics		 - - - - - -
EBITDA Margin		 -269.22% -98.52% 10.65% -9.33% -20.91% -15.38%
EBIT Margin		 -293.27% -117.65% 5.02% -16.92% -30.27% -20.43%
Profit (Net Income) Margin		 -78.23% -240.00% 4.40% -16.92% -30.27% -20.43%
Tax Burden Percent		 240.06% 543.96% 87.64% 100.00% 100.00% 100.00%
Interest Burden Percent		 200.00% 200.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 0.00% 0.00% 12.36% 0.00% 0.00% 0.00%
Return on Invested Capital (ROIC)		 -5.15% -6.51% 0.25% -0.71% -1.17% -1.09%
ROIC Less NNEP Spread (ROIC-NNEP)		 -12.70% -40.41% 0.25% -1.34% -2.14% -2.03%
Return on Net Nonoperating Assets (RNNOA)		 -30.52% -16.38% 0.15% -1.26% -2.29% -2.02%
Return on Equity (ROE)		 -15.32% -22.89% 0.40% -1.97% -3.46% -3.11%
Cash Return on Invested Capital (CROIC)		 0.00% -509.48% 54.61% -7.42% 10.26% 7.93%
Operating Return on Assets (OROA)		 -4.05% -4.16% 0.14% -0.36% -0.58% -0.47%
Return on Assets (ROA)		 -4.87% -7.54% 0.12% -0.36% -0.58% -0.47%
Return on Common Equity (ROCE)		 -15.32% -34.34% 0.40% -1.97% -3.46% -3.11%
Return on Equity Simple (ROE_SIMPLE)		 -45.97% -33.85% 0.61% -2.08% -3.59% -3.21%
Net Operating Profit after Tax (NOPAT)		 -28 -37 2.40 -5.18 -8.34 -7.02
NOPAT Margin		 -205.29% -82.36% 4.40% -11.84% -21.19% -14.30%
Net Nonoperating Expense Percent (NNEP)		 1.20% 13.70% 0.00% 0.63% 0.97% 0.94%
SG&A Expenses to Revenue		 262.38% 284.01% 80.15% 98.94% 112.47% 96.78%
Operating Expenses to Revenue		 383.01% 328.74% 96.82% 117.93% 133.71% 116.10%
Earnings before Interest and Taxes (EBIT)		 -79 -27 2.73 -7.40 -12 -10
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -72 -67 5.81 -4.08 -8.23 -7.55
Valuation Ratios		 - - - - - -
Price to Book Value (P/BV)		 1.35 1.39 0.91 0.68 0.67 0.83
Price to Tangible Book Value (P/TBV)		 1.35 0.97 0.91 0.68 0.67 0.83
Price to Revenue (P/Rev)		 6.90 13.11 6.57 5.51 5.68 5.26
Price to Earnings (P/E)		 0.00 0.00 149.53 0.00 0.00 0.00
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 0.00% 0.67% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.54 1.22 0.89 0.79 0.78 0.82
Enterprise Value to Revenue (EV/Rev)		 14.43 16.50 11.51 13.55 13.23 10.31
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 108.10 0.00 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 229.55 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 261.94 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 225.84 0.00 102.83 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 1.19 0.00 7.12 9.93
Leverage & Solvency		 - - - - - -
Debt to Equity		 3.20 1.73 0.79 1.12 1.02 0.96
Long-Term Debt to Equity		 3.20 1.30 0.79 1.12 1.02 0.96
Financial Leverage		 4.81 2.43 0.60 0.94 1.07 0.99
Leverage Ratio		 9.45 18.22 4.81 5.46 5.97 6.56
Compound Leverage Factor		 18.90 12.15 4.81 5.46 5.97 6.56
Debt to Total Capital		 61.57% 120.66% 44.09% 52.78% 50.54% 49.04%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 61.57% 30.16% 44.09% 52.78% 50.54% 49.04%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 76.86% 279.34% 55.91% 47.22% 49.46% 50.96%
Debt to EBITDA		 -18.23 -24.87 53.48 -97.40 -41.26 -39.89
Net Debt to EBITDA		 -0.72 0.71 46.39 -86.12 -36.10 -32.85
Long-Term Debt to EBITDA		 -27.34 -24.87 53.48 -97.40 -41.26 -39.89
Debt to NOPAT		 -23.90 -29.75 129.59 -76.77 -40.72 -42.89
Net Debt to NOPAT		 -0.94 0.42 112.40 -67.88 -35.62 -35.32
Long-Term Debt to NOPAT		 -23.90 -9.92 129.59 -76.77 -40.72 -42.89
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - -
Cash Flow Metrics		 - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 -2,197 528 -54 73 51
Operating Cash Flow to CapEx		 -51.50% -237.64% 51.81% -219.01% 3,616.43% -2,708.11%
Free Cash Flow to Firm to Interest Expense		 0.00 -111.78 49.96 -1.45 1.53 1.06
Operating Cash Flow to Interest Expense		 -0.17 -2.16 0.26 -0.33 0.11 -0.17
Operating Cash Flow Less CapEx to Interest Expense		 -1.14 -3.98 -0.24 -0.47 0.10 -0.17
Efficiency Ratios		 - - - - - -
Asset Turnover		 0.04 0.07 0.03 0.02 0.02 0.02
Fixed Asset Turnover		 4.12 5.71 1.88 1.40 1.27 1.74
Capital & Investment Metrics		 - - - - - -
Invested Capital		 535 1,230 704 753 672 614
Invested Capital Turnover		 0.23 0.08 0.06 0.06 0.06 0.08
Increase / (Decrease) in Invested Capital		 0.00 1,390 -526 49 -81 -58
Enterprise Value (EV)		 291 409 628 592 521 506
Market Capitalization		 278 595 358 241 224 258
Book Value per Share		 $7.40 $30.11 $14.12 $14.27 $14.57 $15.06
Tangible Book Value per Share		 $7.40 $30.11 $14.12 $14.27 $14.57 $15.06
Total Capital		 535 1,230 704 753 672 614
Total Debt		 329 371 311 398 340 301
Total Long-Term Debt		 659 557 311 398 340 301
Net Debt		 26 -7.95 269 351 297 248
Capital Expenditures (CapEx)		 15 24 5.36 5.53 0.14 0.30
Net Nonoperating Expense (NNE)		 7.89 35 0.00 2.22 3.57 3.01
Net Nonoperating Obligations (NNO)		 329 186 311 398 340 301
Total Depreciation and Amortization (D&A)		 3.23 13 3.07 3.32 3.68 2.48
Earnings Adjustments		 - - - - - -
Adjusted Basic Earnings per Share		 $0.00 ($2.99) $0.09 ($0.31) ($0.55) ($0.51)
Adjusted Weighted Average Basic Shares Outstanding		 0.00 12.17M 26.17M 23.93M 21.48M 19.65M
Adjusted Diluted Earnings per Share		 $0.00 ($2.99) $0.09 ($0.31) ($0.55) ($0.51)
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 12.17M 26.27M 23.93M 21.48M 19.65M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 28.52M 27.52M 24.34M 22.10M 19.13M
Normalized Net Operating Profit after Tax (NOPAT)		 -16 -19 2.40 -5.18 -8.34 -7.02
Normalized NOPAT Margin		 -58.07% -82.20% 4.40% -11.84% -21.19% -14.30%
Pre Tax Income Margin		 -195.52% -58.83% 5.02% -16.92% -30.27% -20.43%
Debt Service Ratios		 - - - - - -
EBIT to Interest Expense		 -1.75 -4.08 0.26 -0.20 -0.25 -0.21
NOPAT to Interest Expense		 -1.22 -2.86 0.23 -0.14 -0.17 -0.15
EBIT Less CapEx to Interest Expense		 -4.14 -5.90 -0.25 -0.35 -0.25 -0.22
NOPAT Less CapEx to Interest Expense		 -3.09 -7.01 -0.28 -0.29 -0.18 -0.15
Payout Ratios		 - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 0.00% 640.61% -486.81% -163.07% -162.29%

Quarterly Metrics And Ratios for Blue Foundry Bancorp

This table displays calculated financial ratios and metrics derived from Blue Foundry Bancorp's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
DEI Shares Outstanding		 25,367,635.00 24,924,802.00 24,338,092.00 23,708,983.00 23,213,599.00 - 22,096,649.00 21,720,825.00 21,495,657.00 20,761,225.00
DEI Adjusted Shares Outstanding		 25,367,635.00 24,924,802.00 24,338,092.00 23,708,983.00 23,213,599.00 - 22,096,649.00 21,720,825.00 21,495,657.00 20,761,225.00
DEI Earnings Per Adjusted Shares Outstanding		 -0.06 -0.12 -0.12 -0.10 -0.17 - -0.12 -0.09 -0.09 -0.17
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 -29.90% -26.95% -20.58% -10.43% -7.53% 1.28% 12.87% 19.15% 33.07% 34.21%
EBITDA Growth		 -126.13% -238.60% -313.44% -39.01% -456.22% 8.82% -4.08% 8.68% 59.83% -66.30%
EBIT Growth		 -204.99% -504.28% -134.82% -28.44% -182.19% 8.32% 5.18% 16.51% 53.77% -30.55%
NOPAT Growth		 -180.77% -465.07% -134.82% -28.44% -182.19% 8.32% 5.18% 16.51% 53.77% -30.55%
Net Income Growth		 -215.39% -621.53% -134.82% -28.44% -182.19% 8.32% 5.18% 16.51% 53.77% -30.55%
EPS Growth		 -220.00% -700.00% -160.00% -37.50% -216.67% 0.00% 0.00% 9.09% 47.37% -50.00%
Operating Cash Flow Growth		 -80.16% -649.16% -9.79% 1,214.84% -576.16% 92.89% 21.87% -85.78% 93.10% -1,067.19%
Free Cash Flow Firm Growth		 -109.97% -109.69% 155.85% 151.03% 201.73% 256.08% -73.48% -70.61% 0.10% -30.24%
Invested Capital Growth		 9.93% 6.95% -14.30% -10.17% -9.70% -10.81% -4.62% -3.46% -10.53% -8.63%
Revenue Q/Q Growth		 -9.22% -4.66% 1.02% 2.44% -6.28% 4.42% 12.58% 8.14% 4.67% 5.31%
EBITDA Q/Q Growth		 48.08% -263.60% 10.06% 18.13% -107.74% 40.40% -2.66% 28.16% 8.62% -146.77%
EBIT Q/Q Growth		 21.53% -104.68% 3.14% 17.44% -72.40% 33.51% -0.19% 27.30% 4.55% -87.79%
NOPAT Q/Q Growth		 21.53% -104.68% 3.14% 17.44% -72.40% 33.51% -0.19% 27.30% 4.55% -87.79%
Net Income Q/Q Growth		 21.53% -104.68% 3.14% 17.44% -72.40% 33.51% -0.19% 27.30% 4.55% -87.79%
EPS Q/Q Growth		 25.00% -100.00% -8.33% 15.38% -72.73% 36.84% -8.33% 23.08% 0.00% -80.00%
Operating Cash Flow Q/Q Growth		 161.25% -1,028.48% 32.62% 390.94% -126.16% 86.14% -640.82% 152.94% -112.70% -2,243.53%
Free Cash Flow Firm Q/Q Growth		 53.31% 26.99% 322.76% -32.81% -6.91% 12.02% -62.16% -25.51% 217.00% -21.93%
Invested Capital Q/Q Growth		 -0.57% -1.12% -8.03% -0.66% -0.04% -2.34% -1.64% 0.55% -7.36% -0.27%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 -5.42% -20.66% -18.39% -14.70% -32.58% -18.60% -16.96% -11.27% -9.84% -23.05%
EBIT Margin		 -13.98% -30.01% -28.77% -23.19% -42.65% -27.16% -24.17% -16.25% -14.82% -26.42%
Profit (Net Income) Margin		 -13.98% -30.01% -28.77% -23.19% -42.65% -27.16% -24.17% -16.25% -14.82% -26.42%
Tax Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Invested Capital (ROIC)		 -0.64% -1.26% -1.10% -0.89% -1.62% -1.05% -1.02% -0.72% -0.73% -1.41%
ROIC Less NNEP Spread (ROIC-NNEP)		 -0.76% -1.51% -1.33% -1.08% -1.94% -1.27% -1.25% -0.89% -0.90% -1.74%
Return on Net Nonoperating Assets (RNNOA)		 -0.70% -1.43% -1.38% -1.13% -2.08% -1.36% -1.25% -0.91% -0.89% -1.73%
Return on Equity (ROE)		 -1.34% -2.69% -2.48% -2.02% -3.70% -2.41% -2.27% -1.63% -1.62% -3.14%
Cash Return on Invested Capital (CROIC)		 -9.82% -7.42% 14.55% 9.80% 9.02% 10.26% 3.51% 2.34% 10.12% 7.93%
Operating Return on Assets (OROA)		 -0.32% -0.64% -0.57% -0.45% -0.81% -0.52% -0.48% -0.33% -0.32% -0.61%
Return on Assets (ROA)		 -0.32% -0.64% -0.57% -0.45% -0.81% -0.52% -0.48% -0.33% -0.32% -0.61%
Return on Common Equity (ROCE)		 -1.34% -2.69% -2.48% -2.02% -3.70% -2.41% -2.27% -1.63% -1.62% -3.14%
Return on Equity Simple (ROE_SIMPLE)		 -1.09% 0.00% -2.58% -2.76% -3.58% 0.00% -3.60% -3.54% -2.93% 0.00%
Net Operating Profit after Tax (NOPAT)		 -1.00 -2.05 -1.99 -1.64 -2.83 -1.88 -1.88 -1.37 -1.31 -2.46
NOPAT Margin		 -9.78% -21.00% -20.14% -16.23% -29.86% -19.01% -16.92% -11.37% -10.37% -18.50%
Net Nonoperating Expense Percent (NNEP)		 0.12% 0.25% 0.22% 0.19% 0.32% 0.22% 0.24% 0.17% 0.17% 0.33%
SG&A Expenses to Revenue		 100.56% 109.10% 113.50% 111.62% 116.48% 108.48% 105.00% 96.61% 93.58% 93.07%
Operating Expenses to Revenue		 120.98% 128.41% 134.19% 130.73% 140.04% 130.20% 122.36% 112.40% 110.15% 119.87%
Earnings before Interest and Taxes (EBIT)		 -1.43 -2.93 -2.84 -2.34 -4.04 -2.69 -2.69 -1.96 -1.87 -3.51
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -0.56 -2.02 -1.82 -1.49 -3.09 -1.84 -1.89 -1.36 -1.24 -3.06
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.59 0.68 0.65 0.62 0.70 0.67 0.62 0.65 0.62 0.83
Price to Tangible Book Value (P/TBV)		 0.59 0.68 0.65 0.62 0.70 0.67 0.62 0.65 0.62 0.83
Price to Revenue (P/Rev)		 4.49 5.51 5.53 5.38 6.07 5.68 5.01 4.89 4.28 5.26
Price to Earnings (P/E)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.74 0.79 0.75 0.72 0.74 0.78 0.74 0.77 0.74 0.82
Enterprise Value to Revenue (EV/Rev)		 11.88 13.55 12.55 12.44 13.01 13.23 12.09 11.96 9.90 10.31
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 175.04 0.00 102.83 80.17 0.00 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 4.73 6.98 7.81 7.12 20.67 32.15 6.86 9.93
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 1.12 1.12 0.98 0.99 1.03 1.02 1.02 1.07 0.96 0.96
Long-Term Debt to Equity		 1.12 1.12 0.98 0.99 1.03 1.02 1.02 1.07 0.96 0.96
Financial Leverage		 0.92 0.94 1.04 1.04 1.08 1.07 1.00 1.03 0.99 0.99
Leverage Ratio		 5.38 5.46 5.61 5.79 5.89 5.97 6.09 6.26 6.44 6.56
Compound Leverage Factor		 5.38 5.46 5.61 5.79 5.89 5.97 6.09 6.26 6.44 6.56
Debt to Total Capital		 52.85% 52.78% 49.45% 49.78% 50.67% 50.54% 50.56% 51.63% 48.91% 49.04%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 52.85% 52.78% 49.45% 49.78% 50.67% 50.54% 50.56% 51.63% 48.91% 49.04%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 47.15% 47.22% 50.55% 50.23% 49.33% 49.46% 49.44% 48.37% 51.09% 50.96%
Debt to EBITDA		 -663.10 -97.40 -62.76 -58.31 -41.46 -41.26 -40.23 -41.97 -47.58 -39.89
Net Debt to EBITDA		 -576.76 -86.12 -52.91 -48.05 -32.40 -36.10 -34.66 -36.84 -40.61 -32.85
Long-Term Debt to EBITDA		 -663.10 -97.40 -62.76 -58.31 -41.46 -41.26 -40.23 -41.97 -47.58 -39.89
Debt to NOPAT		 -153.70 -76.77 -54.20 -51.26 -40.96 -40.72 -40.56 -43.07 -46.72 -42.89
Net Debt to NOPAT		 -133.69 -67.88 -45.70 -42.24 -32.01 -35.62 -34.95 -37.81 -39.88 -35.32
Long-Term Debt to NOPAT		 -153.70 -76.77 -54.20 -51.26 -40.96 -40.72 -40.56 -43.07 -46.72 -42.89
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -70 -51 114 76 71 80 30 22 71 56
Operating Cash Flow to CapEx		 61.98% -580.11% -53,944.44% 0.00% -4,296.51% -506.93% -6,218.03% 1,619.35% -354.17% -15,323.08%
Free Cash Flow to Firm to Interest Expense		 -6.78 -4.58 9.94 6.51 5.71 6.46 2.52 1.90 5.95 4.54
Operating Cash Flow to Interest Expense		 0.08 -0.65 -0.42 1.21 -0.30 -0.04 -0.32 0.17 -0.02 -0.49
Operating Cash Flow Less CapEx to Interest Expense		 -0.05 -0.76 -0.43 1.21 -0.30 -0.05 -0.32 0.16 -0.03 -0.49
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02
Fixed Asset Turnover		 1.53 1.40 1.32 1.28 1.26 1.27 1.34 1.44 1.58 1.74
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 762 753 693 688 688 672 661 664 615 614
Invested Capital Turnover		 0.07 0.06 0.05 0.06 0.05 0.06 0.06 0.06 0.07 0.08
Increase / (Decrease) in Invested Capital		 69 49 -116 -78 -74 -81 -32 -24 -72 -58
Enterprise Value (EV)		 562 592 517 497 510 521 491 509 452 506
Market Capitalization		 212 241 228 215 238 224 203 208 195 258
Book Value per Share		 $14.16 $14.27 $14.39 $14.58 $14.62 $14.57 $14.78 $14.79 $14.63 $15.06
Tangible Book Value per Share		 $14.16 $14.27 $14.39 $14.58 $14.62 $14.57 $14.78 $14.79 $14.63 $15.06
Total Capital		 762 753 693 688 688 672 661 664 615 614
Total Debt		 403 398 343 343 349 340 334 343 301 301
Total Long-Term Debt		 403 398 343 343 349 340 334 343 301 301
Net Debt		 350 351 289 282 272 297 288 301 257 248
Capital Expenditures (CapEx)		 1.25 1.24 0.01 -0.06 0.09 0.10 0.06 0.12 0.07 0.04
Net Nonoperating Expense (NNE)		 0.43 0.88 0.85 0.70 1.21 0.81 0.81 0.59 0.56 1.05
Net Nonoperating Obligations (NNO)		 403 398 343 343 349 340 334 343 301 301
Total Depreciation and Amortization (D&A)		 0.88 0.91 1.02 0.86 0.95 0.85 0.80 0.60 0.63 0.45
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($0.06) ($0.12) ($0.13) ($0.11) ($0.19) ($0.12) ($0.13) ($0.10) ($0.10) ($0.18)
Adjusted Weighted Average Basic Shares Outstanding		 23.28M 23.93M 22.10M 21.74M 21.26M 21.48M 20.40M 19.84M 19.43M 19.65M
Adjusted Diluted Earnings per Share		 ($0.06) ($0.12) ($0.13) ($0.11) ($0.19) ($0.12) ($0.13) ($0.10) ($0.10) ($0.18)
Adjusted Weighted Average Diluted Shares Outstanding		 23.28M 23.93M 22.10M 21.74M 21.26M 21.48M 20.40M 19.84M 19.43M 19.65M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 24.92M 24.34M 23.71M 23.21M 22.80M 22.10M 21.72M 21.50M 20.76M 19.13M
Normalized Net Operating Profit after Tax (NOPAT)		 -1.00 -2.05 -1.99 -1.64 -2.83 -1.88 -1.88 -1.37 -1.31 -2.46
Normalized NOPAT Margin		 -9.78% -21.00% -20.14% -16.23% -29.86% -19.01% -16.92% -11.37% -10.37% -18.50%
Pre Tax Income Margin		 -13.98% -30.01% -28.77% -23.19% -42.65% -27.16% -24.17% -16.25% -14.82% -26.42%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 -0.14 -0.26 -0.25 -0.20 -0.32 -0.22 -0.22 -0.17 -0.16 -0.29
NOPAT to Interest Expense		 -0.10 -0.18 -0.17 -0.14 -0.23 -0.15 -0.16 -0.12 -0.11 -0.20
EBIT Less CapEx to Interest Expense		 -0.26 -0.37 -0.25 -0.20 -0.33 -0.23 -0.23 -0.18 -0.16 -0.29
NOPAT Less CapEx to Interest Expense		 -0.22 -0.30 -0.17 -0.14 -0.23 -0.16 -0.16 -0.13 -0.12 -0.20
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 -981.33% -486.81% -355.80% -180.63% -163.64% -163.07% -159.01% -168.59% -231.80% -162.29%

Financials Breakdown Chart

Key Financial Trends

Blue Foundry Bancorp’s recent statements show improving revenue generation but continued pressure on profitability. The company has reported a net loss in every comparable quarter provided, while its balance sheet has expanded modestly and deposits have continued to grow. The main investor concern is that rising net interest income has not yet offset a high operating expense base.

  • Net interest income has improved steadily. Net interest income increased from $9.2 million in Q4 2023 to $9.5 million in Q4 2024 and $12.8 million in Q4 2025. The 2025 quarterly trend was also positive, rising from $10.7 million in Q1 to $12.8 million in Q4.
  • Interest income is growing faster than interest expense. Total interest income rose from $20.3 million in Q4 2023 to $25.0 million in Q4 2025, while total interest expense increased only modestly from $11.1 million to $12.2 million over the same period. This supported the expansion in the company’s net interest spread.
  • Deposits have continued to expand. Non-interest-bearing deposits increased from $1.25 billion in Q3 2023 to $1.49 billion in Q3 2025. Quarterly cash flow data also showed net deposit inflows in each quarter of 2025, including $16.5 million in Q4.
  • Long-term debt has declined from 2023 levels. Long-term debt fell from $402.5 million in Q3 2023 to $301.0 million in Q3 2025. Lower debt balances could reduce funding risk over time, although the company remains dependent on financing activity to support liquidity.
  • Liquidity improved in the latest quarter. Cash and due from banks increased from $41.9 million in Q2 2025 to $44.1 million in Q3 2025, and Q4 2025 cash flow showed a $9.1 million increase in cash and equivalents.
  • The balance sheet has grown gradually. Total assets increased from $2.06 billion in Q3 2023 to $2.16 billion in Q3 2025. Much of the asset base is classified in “other assets” and trading account securities, while reported net loans and leases are shown as zero in the supplied balance sheets. That classification makes traditional bank asset-quality and loan-growth analysis difficult using this dataset alone.
  • Investment securities activity remains substantial. Blue Foundry purchased and sold or matured tens of millions of dollars of investment securities in each quarter. This activity provides balance-sheet flexibility, but it also means cash movements may reflect portfolio repositioning rather than recurring operating performance.
  • Blue Foundry remains unprofitable. Net losses were $2.9 million in Q4 2023, $2.7 million in Q4 2024 and $3.5 million in Q4 2025. The Q4 2025 loss equated to a diluted loss of $0.18 per share, compared with a $0.12 loss per share in Q4 2024.
  • Operating expenses are absorbing the improvement in revenue. Total non-interest expense rose from $12.5 million in Q4 2023 to $15.9 million in Q4 2025. In Q4 2025, non-interest expense exceeded total revenue of $13.3 million even before considering the $870,000 provision for credit losses.
  • Operating cash flow has been inconsistent and was negative in the latest quarter. Net cash from operating activities was negative in Q1 and Q3 2025 and fell to negative $6.0 million in Q4. Cash generation has frequently depended on deposit inflows, debt transactions and investment-security sales rather than earnings from core operations.

Overall, the statements point to a mixed outlook for BLFY. Improving net interest income, deposit growth and lower long-term debt are constructive developments. However, persistent quarterly losses, rising non-interest expenses and weak operating cash flow indicate that the company has not yet converted revenue growth into sustainable profitability. Investors should closely monitor whether expense growth moderates and whether operating cash flow turns consistently positive.

10/16/26 12:29 PM ETAI Generated. May Contain Errors.

Blue Foundry Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Blue Foundry Bancorp's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Blue Foundry Bancorp's net income appears to be on an upward trend, with a most recent value of -$10.03 million in 2025, rising from -$31.51 million in 2020. The previous period was -$11.91 million in 2024. View Blue Foundry Bancorp's forecast to see where analysts expect Blue Foundry Bancorp to go next.

Over the last 5 years, Blue Foundry Bancorp's total revenue changed from $40.28 million in 2020 to $49.07 million in 2025, a change of 21.8%.

In the past 8 quarters, Blue Foundry Bancorp's cash and equivalents has ranged from $41.88 million in Q2 2025 to $76.11 million in Q3 2024, and is currently $44.09 million as of their latest financial filing in Q3 2025.

Blue Foundry Bancorp had total debt of $301 million at the end of 2025, a 11.3% decrease from 2024, and a 8.6% decrease since 2020.

Over the last 5 years, Blue Foundry Bancorp's book value per share changed from 7.40 in 2020 to 15.06 in 2025, a change of 103.5%.


Related Companies

Financial statements for NASDAQ:BLFY last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
From Our Partners
A new income category is drawing serious money - here's why
Forbes recently called a new category of exchange-traded income funds a 'golden era,' and Bloomberg noted the ...
Investors Alley | Sponsoredtc pixel
“The crisis that’s emerging now is just the tip of the iceberg,” says Dr. Martin D. Weiss, who has made shocking and accurate predictions for 55 years
Dr. Martin D. Weiss, who predicted the Dot-Com collapse and the failures of Fannie Mae, Bear Stearns, and Lehm...
Weiss Ratings | Sponsoredtc pixel
Trump’s issues shocking Executive Order on U.S. Dollar
Three days into his second term, President Trump signed Executive Order 14178 a move the press barely covered....
Banyan Hill Publishing | Sponsoredtc pixel
Your Social Security check is scheduled for a 22% cut
The U.S. now borrows money just to pay interest on money it already borrowed, a pattern economists call a debt...
American Alternative | Sponsoredtc pixel
Undiscovered Sub-$1 Gold-Silver Royalty Stock Takes Flight
A small-cap gold and silver royalty company is generating record revenue from producing mines, yet shares stil...
Digest Publishing | Sponsoredtc pixel
My top 3 AI picks for the next decade
Alexander Green bought Apple in 1996, recommended Nvidia at a split-adjusted 66 cents in 2004, and picked up A...
The Oxford Club | Sponsoredtc pixel
My next big call (under $1)
Bitcoin is down. Fear is high. Most investors are sitting on their hands. That's exactly when my biggest winne...
Crypto 101 Media | Sponsoredtc pixel
Elon says the ‘S’ word
Elon Musk and Sam Altman have sued each other and feuded for years. Yet within days of one another, both men d...
Paradigm Press | Sponsoredtc pixel