Blue Foundry Bancorp (BLFY) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Blue Foundry Bancorp stock (BLFY) is currently trading at $12.94. Blue Foundry Bancorp PS ratio (Price-to-Sales) is 5.89. Analyst consensus price target for BLFY is $10.00. WallStSmart rates BLFY as Sell.
- BLFY PE ratio analysis and historical PE chart
- BLFY PS ratio (Price-to-Sales) history and trend
- BLFY intrinsic value — DCF, Graham Number, EPV models
- BLFY stock price prediction 2025 2026 2027 2028 2029 2030
- BLFY fair value vs current price
- BLFY insider transactions and insider buying
- Is BLFY undervalued or overvalued?
- Blue Foundry Bancorp financial analysis — revenue, earnings, cash flow
- BLFY Piotroski F-Score and Altman Z-Score
- BLFY analyst price target and Smart Rating
Blue Foundry Bancorp
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Smart Analysis
Blue Foundry Bancorp (BLFY) · 8 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/book, revenue growth, institutional own.. Concerns around market cap and return on equity. Mixed signals suggest waiting for clearer direction before acting.
Blue Foundry Bancorp (BLFY) Key Strengths (3)
Trading below book value, meaning the market prices it less than net assets
Revenue surging 30.30% year-over-year
60.91% held by institutions, strong professional interest
Blue Foundry Bancorp (BLFY) Areas to Watch (5)
Company is destroying shareholder value
Losing money on operations
Company is losing money with a negative profit margin
Micro-cap company with very limited liquidity and high volatility
Premium valuation at 5.9x annual revenue
Supporting Valuation Data
Blue Foundry Bancorp (BLFY) Detailed Analysis Report
Overall Assessment
This company scores 36/100 in our Smart Analysis, earning a F grade. Out of 8 metrics analyzed, 3 register as strengths (avg 9.3/10) while 5 fall into concern territory (avg 1.4/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Book, Revenue Growth, Institutional Own.. Valuation metrics including Price/Book (0.84) suggest the stock is attractively priced. Growth metrics are encouraging with Revenue Growth at 30.30%.
The Bear Case
The primary concerns are Return on Equity, Operating Margin, Profit Margin. Some valuation metrics including Price/Sales (5.89) suggest expensive pricing. Profitability pressure is visible in Return on Equity at -2.82%, Operating Margin at -13.60%, Profit Margin at -20.60%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at -2.82% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 30.30% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. Return on Equity and Operating Margin are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
BLFY Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
BLFY's Price-to-Sales ratio of 5.89x sits near its historical average of 6.07x (0th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 9% below its historical high of 6.47x set in Feb 2026, and 0% above its historical low of 5.89x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Blue Foundry Bancorp (BLFY) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Blue Foundry Bancorp is in a high-growth phase, prioritizing rapid expansion over margins. Revenue reached 45M with 30% growth year-over-year. The company is currently unprofitable, posting a -20.6% profit margin.
Key Findings
Revenue growing at 30% YoY, reaching 45M. This pace significantly outperforms most BANKS - REGIONAL peers.
The company is unprofitable with a -20.6% profit margin. The path to breakeven will be the key catalyst.
Free cash flow is -440,000, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Growth sustainability: can Blue Foundry Bancorp maintain 30%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Blue Foundry Bancorp.
Bottom Line
Blue Foundry Bancorp is a high-conviction growth story with revenue accelerating at 30% while profitability is still developing. For growth-oriented investors, the trajectory is compelling. For value investors, the thin -20.6% margins and premium valuation suggest patience until the unit economics mature further.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Blue Foundry Bancorp(BLFY)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Blue Foundry Bancorp (BLFY) is a community-oriented financial institution headquartered in New Jersey, dedicated to providing tailored banking solutions for individuals and businesses in the region. The bank offers a comprehensive suite of products, including deposit accounts, loans, and mortgages, aimed at fostering local economic development. With a strong emphasis on leveraging innovative digital platforms, Blue Foundry Bancorp enhances customer engagement while maintaining stringent risk management and compliance with regulatory standards. This commitment to community involvement and sustainable banking practices positions Blue Foundry Bancorp as a vital player in both the local economy and the broader financial sector.