Blue Foundry Bancorp Financials
This page shows Blue Foundry Bancorp (BLFY) financial statements, including the 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).
A thin-return balance sheet is getting more leveraged, so higher revenue still fails to rebuild owner earnings.
By FY2025, assets reached$2.17B while equity fell to$312.7M , showing more balance-sheet work per dollar of capital and less loss-absorbing capacity for owners. That helps explain why a small asset-level loss of-0.5% still became a steeper-3.2% hit to ROE: higher leverage magnifies thin earnings swings in both directions.
Revenue climbed to
FY2024's positive free cash flow of
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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.
Blue Foundry Bancorp's revenue grew 11.5% year-over-year to $95.3M, a solid pace of expansion. This earns a growth score of 50/100.
Blue Foundry Bancorp has elevated debt relative to equity (D/E of 5.93), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Blue Foundry Bancorp generates a -3.2% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 4/100. This is up from -3.6% the prior year.
Blue Foundry Bancorp passes 4 of 9 financial strength tests. 2 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Blue Foundry Bancorp generates $0.80 in operating cash flow (-$8.0M OCF vs -$10.0M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.
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.
Cash & Balance Sheet
Blue Foundry Bancorp held $53.1M in cash against $0 in long-term debt as of fiscal year 2025.
Blue Foundry Bancorp had 21M shares outstanding in fiscal year 2025. This represents a decrease of 7.8% from the prior year.
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.
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.
BLFY Income Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $25.0M+3.7% | $24.1M+3.0% | $23.4M+3.2% | $22.7M+4.3% | $21.8M+1.2% | $21.5M+1.1% | $21.3M+2.2% | $20.8M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $8.3M+2.8% | $8.0M+2.6% | $7.8M-0.2% | $7.8M+12.9% | $6.9M-5.0% | $7.3M-4.3% | $7.6M+1.1% | $7.5M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $12.2M+2.3% | $11.9M+1.2% | $11.8M-1.4% | $12.0M-2.8% | $12.3M-1.1% | $12.4M+6.2% | $11.7M+2.6% | $11.4M |
| Income Tax | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Net Income | -$3.5M-87.8% | -$1.9M+4.5% | -$2.0M+27.3% | -$2.7M-0.2% | -$2.7M+33.5% | -$4.0M-72.4% | -$2.3M+17.4% | -$2.8M |
| EPS (Diluted) | N/A | $-0.100.0% | $-0.10+23.1% | $-0.13 | N/A | $-0.19-72.7% | $-0.11+15.4% | $-0.13 |
BLFY Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.2B+0.6% | $2.2B+1.3% | $2.1B+1.7% | $2.1B+1.5% | $2.1B+0.3% | $2.1B+0.5% | $2.0B+0.9% | $2.0B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $53.1M+20.5% | $44.1M+5.3% | $41.9M-9.4% | $46.2M+8.7% | $42.5M-44.2% | $76.1M+26.3% | $60.3M+12.1% | $53.8M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $1.9B+0.8% | $1.8B+1.9% | $1.8B+2.3% | $1.8B+2.1% | $1.7B+0.7% | $1.7B+0.9% | $1.7B+1.3% | $1.7B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $312.7M-0.5% | $314.4M-2.1% | $321.3M-1.6% | $326.7M-1.7% | $332.2M-2.1% | $339.3M-1.8% | $345.6M-1.3% | $350.2M |
| Retained Earnings | $142.4M-2.4% | $145.9M-1.3% | $147.8M-1.3% | $149.7M-1.8% | $152.4M-1.7% | $155.1M-2.5% | $159.2M-1.5% | $161.5M |
BLFY Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$6.0M-2243.5% | -$255K-112.7% | $2.0M+152.9% | -$3.8M-640.8% | -$512K+86.1% | -$3.7M-126.2% | $14.1M+390.9% | -$4.9M |
| Capital Expenditures | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $9K |
| Free Cash Flow | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -$4.9M |
| Investing Cash Flow | -$750K+97.0% | -$24.9M+39.1% | -$40.8M-53.6% | -$26.6M+38.4% | -$43.1M-475.9% | $11.5M+146.6% | -$24.6M-193.7% | $26.3M |
| Financing Cash Flow | $15.8M-42.2% | $27.3M-20.8% | $34.5M+1.2% | $34.1M+239.8% | $10.0M+24.4% | $8.1M-52.6% | $17.0M+224.2% | -$13.7M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | -$1K-100.0% | $7.6M+94.6% | $3.9M-16.8% | $4.7M-6.9% | $5.1M-7.6% | $5.5M+58.9% | $3.4M-36.5% | $5.4M |
BLFY Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | -14.0%-6.3pp | -7.7%+0.6pp | -8.3%+3.5pp | -11.8%+0.5pp | -12.3%+6.4pp | -18.8%-7.8pp | -11.0%+2.6pp | -13.6% |
| Return on Equity | -1.1%-0.5pp | -0.6%+0.0pp | -0.6%+0.2pp | -0.8%-0.0pp | -0.8%+0.4pp | -1.2%-0.5pp | -0.7%+0.1pp | -0.8% |
| Return on Assets | -0.2%-0.1pp | -0.1%0.0pp | -0.1%+0.0pp | -0.1%0.0pp | -0.1%+0.1pp | -0.2%-0.1pp | -0.1%+0.0pp | -0.1% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 5.93+0.1 | 5.86+0.2 | 5.62+0.2 | 5.40+0.2 | 5.20+0.1 | 5.06+0.1 | 4.92+0.1 | 4.79 |
| FCF Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -23.3% |
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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) generated -$8.0M in operating cash flow during fiscal year 2025, representing cash generated from 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 cash runway?
Based on fiscal year 2025 data, Blue Foundry Bancorp (BLFY) had $53.1M in cash against an annual operating cash burn of $8.0M. This gives an estimated cash runway of approximately 80 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.
What is Blue Foundry Bancorp's Piotroski F-Score?
Blue Foundry Bancorp (BLFY) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. 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) has an earnings quality ratio of 0.80x, considered low quality (accrual-driven). 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 11 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.