Blue Foundry Bancorp Financials
Blue Foundry Bancorp (BLFY) reported $95.3M in revenue for fiscal year 2025, up 11.5% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 6 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Blue Foundry’s revenue growth has not rebuilt the capital base, leaving balance-sheet expansion supported by thinner equity.
Most recently, revenue reached$95.3M while equity fell to$312.7M , so the franchise is growing without rebuilding its loss-absorbing buffer. That tension showed up in cash flows too: operating cash flow was-$8.0M even as financing cash flow supplied$111.7M , meaning liquidity held up through balance-sheet funding rather than from current operations.
Funding costs stayed near
Share repurchases continued at
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Blue Foundry Bancorp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Not available for Blue Foundry Bancorp, and counted as zero in the overall score.
Blue Foundry Bancorp passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 2 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, both operating efficiency signals pass.
Blue Foundry Bancorp reported a net loss of $10.0M while operations used $8.0M of cash. With neither figure positive, the ratio between the two carries no quality signal.
Key Financial Metrics
Earnings & Revenue
Blue Foundry Bancorp generated $95.3M in revenue in fiscal year 2025. This represents an increase of 11.5% from the prior year.
Blue Foundry Bancorp reported -$10.0M in net income in fiscal year 2025. This represents an increase of 15.8% from the prior year.
Blue Foundry Bancorp earned -$0.51 per diluted share (EPS) in fiscal year 2025. This represents an increase of 7.3% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Blue Foundry Bancorp held $53.1M in cash as of fiscal year 2025; long-term debt is not reported for that period.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Margins & Returns
Blue Foundry Bancorp's net profit margin was -10.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 3.4 percentage points from the prior year.
Blue Foundry Bancorp's ROE was -3.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.4 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
Blue Foundry Bancorp spent $16.3M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 16.2% from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
BLFY Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 |
|---|---|---|---|---|---|---|
| Revenue | $95.3M+11.5% | $85.5M+8.0% | $79.1M+26.7% | $62.4M+11.3% | $56.1M-9.0% | $61.6M |
| SG&A Expenses | $31.9M+8.5% | $29.4M+3.5% | $28.4M-2.8% | $29.2M+13.6% | $25.8M+13.8% | $22.6M |
| Interest Expense | $47.9M0.0% | $47.9M+28.8% | $37.2M+251.8% | $10.6M-19.3% | $13.1M-41.9% | $22.6M |
| Income Tax | $0 | $0 | $0-100.0% | $338K-96.5% | $9.6M+222.3% | -$7.9M |
| Net Income | -$10.0M+15.8% | -$11.9M-61.0% | -$7.4M-408.7% | $2.4M+106.6% | -$36.3M-15.3% | -$31.5M |
| EPS (Diluted) | -$0.51+7.3% | -$0.55-77.4% | -$0.31-444.4% | $0.09 | -$2.99 | N/A |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
BLFY Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 |
|---|---|---|---|---|---|---|
| Total Assets | $2.2B+5.2% | $2.1B+0.8% | $2.0B+0.1% | $2.0B+6.7% | $1.9B-1.5% | $1.9B |
| Cash & Equivalents | $53.1M+25.0% | $42.5M-7.7% | $46.0M+11.8% | $41.2M-78.7% | $193.4M-38.9% | $316.4M |
| Total Liabilities | $1.9B+7.3% | $1.7B+2.3% | $1.7B+2.4% | $1.6B+11.1% | $1.5B-14.5% | $1.7B |
| Total Equity | $312.7M-5.9% | $332.2M-6.6% | $355.6M-9.7% | $393.7M-8.3% | $429.5M+108.9% | $205.6M |
| Retained Earnings | $142.4M-6.6% | $152.4M-7.2% | $164.3M-4.3% | $171.8M+1.4% | $169.5M-17.7% | $205.8M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Long-Term Debt.
BLFY Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | -$8.0M-258.3% | $5.1M+141.8% | -$12.1M-536.1% | $2.8M+119.7% | -$14.1M-1029.6% | -$1.3M |
| Capital Expenditures | N/A | $140K-97.5% | $5.6M+3.9% | $5.4M-54.9% | $11.9M+63.2% | $7.3M |
| Free Cash Flow | N/A | $4.9M+127.8% | -$17.7M-584.3% | -$2.6M+90.1% | -$26.0M-204.8% | -$8.5M |
| Investing Cash Flow | -$93.0M-210.1% | -$30.0M-391.3% | $10.3M+103.4% | -$306.2M-190.7% | -$105.3M-203.9% | $101.4M |
| Financing Cash Flow | $111.7M+421.4% | $21.4M+221.6% | $6.7M-95.6% | $151.2M+4391.6% | -$3.5M-103.8% | $92.3M |
| Share Buybacks | $16.3M-16.2% | $19.4M-46.1% | $36.0M+134.6% | $15.3M | $0 | N/A |
Not reported in any period shown, so not listed: Dividends Paid.
BLFY Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 |
|---|---|---|---|---|---|---|
| Net Margin | -10.5%+3.4pp | -13.9%-4.6pp | -9.3%-13.2pp | 3.8%+68.7pp | -64.8%-13.7pp | -51.1% |
| Return on Equity | -3.2%+0.4pp | -3.6%-1.5pp | -2.1%-2.7pp | 0.6%+9.1pp | -8.5%+6.9pp | -15.3% |
| Return on Assets | -0.5%+0.1pp | -0.6%-0.2pp | -0.4%-0.5pp | 0.1%+2.0pp | -1.9%-0.3pp | -1.6% |
| Debt-to-Equity | 5.93+0.7x | 5.20+0.5x | 4.75+0.6x | 4.19+0.7x | 3.46-5.0x | 8.45 |
| FCF Margin | N/A | 5.8%+28.1pp | -22.4%-18.2pp | -4.1%+42.3pp | -46.5%-32.6pp | -13.9% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
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Where Blue Foundry Bancorp Ranks
Frequently Asked Questions
What is Blue Foundry Bancorp's annual revenue?
Blue Foundry Bancorp (BLFY) reported $95.3M in total revenue for fiscal year 2025. This represents a 11.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Blue Foundry Bancorp's revenue growing?
Blue Foundry Bancorp (BLFY) revenue grew by 11.5% year-over-year, from $85.5M to $95.3M in fiscal year 2025.
Is Blue Foundry Bancorp profitable?
No, Blue Foundry Bancorp (BLFY) reported a net income of -$10.0M in fiscal year 2025, with a net profit margin of -10.5%.
What is Blue Foundry Bancorp's net profit margin?
Blue Foundry Bancorp (BLFY) had a net profit margin of -10.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Blue Foundry Bancorp's return on equity (ROE)?
Blue Foundry Bancorp (BLFY) has a return on equity of -3.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Blue Foundry Bancorp's operating cash flow?
Blue Foundry Bancorp (BLFY) recorded an outflow of $8.0M in operating cash flow during fiscal year 2025, representing cash used by core business activities.
What are Blue Foundry Bancorp's total assets?
Blue Foundry Bancorp (BLFY) had $2.2B in total assets as of fiscal year 2025, including both current and long-term assets.
What is Blue Foundry Bancorp's debt-to-equity ratio?
Blue Foundry Bancorp (BLFY) had a debt-to-equity ratio of 5.93 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Blue Foundry Bancorp's return on assets (ROA)?
Blue Foundry Bancorp (BLFY) had a return on assets of -0.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Blue Foundry Bancorp's Piotroski F-Score?
Blue Foundry Bancorp (BLFY) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Blue Foundry Bancorp's earnings high quality?
Blue Foundry Bancorp (BLFY) reported a net loss of $10.0M while operations used $8.0M of cash. With neither figure positive, the ratio between the two carries no quality signal. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Blue Foundry Bancorp?
Blue Foundry Bancorp (BLFY) scores 25 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.