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BLFY 
Blue Foundry Bancorp (BLFY)
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Upturn Advisory Summary
12/01/2025: BLFY (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $10
1 Year Target Price $10
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -32.22% | Avg. Invested days 25 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 244.19M USD | Price to earnings Ratio - | 1Y Target Price 10 |
Price to earnings Ratio - | 1Y Target Price 10 | ||
Volume (30-day avg) 2 | Beta 0.59 | 52 Weeks Range 7.61 - 11.64 | Updated Date 12/1/2025 |
52 Weeks Range 7.61 - 11.64 | Updated Date 12/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.45 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -20.58% | Operating Margin (TTM) -13.56% |
Management Effectiveness
Return on Assets (TTM) -0.44% | Return on Equity (TTM) -2.82% |
Valuation
Trailing PE - | Forward PE 625 | Enterprise Value 492339680 | Price to Sales(TTM) 5.46 |
Enterprise Value 492339680 | Price to Sales(TTM) 5.46 | ||
Enterprise Value to Revenue 12.26 | Enterprise Value to EBITDA - | Shares Outstanding 20761225 | Shares Floating 15635292 |
Shares Outstanding 20761225 | Shares Floating 15635292 | ||
Percent Insiders 15.16 | Percent Institutions 52.03 |
Upturn AI SWOT
Blue Foundry Bancorp
Company Overview
History and Background
Blue Foundry Bancorp, formerly known as Boiling Springs Savings Bank, has a history dating back to 1939. Initially a savings bank focused on serving local communities in New Jersey, it converted to a stock holding company and rebranded as Blue Foundry Bancorp to pursue broader growth opportunities and enhanced customer service.
Core Business Areas
- Retail Banking: Offers a range of deposit accounts, including checking, savings, and money market accounts, as well as certificates of deposit (CDs). Provides personal loans, mortgages, and home equity lines of credit (HELOCs) to individuals and families.
- Commercial Banking: Provides commercial real estate loans, construction loans, and other business financing solutions. Offers business deposit accounts, cash management services, and other banking services tailored to businesses of various sizes.
- Wealth Management: Offers wealth management and trust services, including investment management, financial planning, and estate planning services, catering to high-net-worth individuals and families.
Leadership and Structure
The leadership team consists of a Board of Directors and executive officers, including the CEO, CFO, and other key management personnel. The organizational structure is designed to support its retail and commercial banking operations.
Top Products and Market Share
Key Offerings
- Mortgages: Residential mortgages are a key product, catering to homebuyers in their market area. Market share data is not readily available; competition includes national and regional banks and mortgage lenders such as Wells Fargo (WFC) and JPMorgan Chase (JPM).
- Commercial Real Estate Loans: Commercial real estate loans represent a significant portion of their lending portfolio. Market share data is not publicly available; competition includes other regional and national banks like Bank of America (BAC) and local credit unions.
- Deposit Accounts: Checking, savings, and money market accounts offered to retail and commercial customers. The market is highly competitive with large national banks and smaller regional banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory scrutiny, and competition from both traditional banks and fintech companies. Digital transformation and cybersecurity are also key trends.
Positioning
Blue Foundry Bancorp positions itself as a community-focused bank offering personalized service and local expertise. Its competitive advantage lies in its strong customer relationships and knowledge of the local market.
Total Addressable Market (TAM)
The total addressable market (TAM) is the aggregate revenue opportunity available to financial institutions that serve their customer base. This is approximately $100B, Blue Foundry Bancorp is positioned to serve the smaller regional market and is a small portion of this TAM.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Customer relationships
- Experienced management team
- Sound asset quality
Weaknesses
- Limited geographic reach
- Reliance on traditional banking model
- Smaller scale compared to larger competitors
- Lower brand visibility
Opportunities
- Expansion into new markets
- Digital transformation
- Strategic partnerships
- Increased commercial lending
Threats
- Increasing competition
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- MTSI
- FMNB
- TCBI
Competitive Landscape
Blue Foundry Bancorp faces competition from larger national and regional banks, as well as smaller community banks and credit unions. The bank's community focus and personalized service are key differentiators.
Growth Trajectory and Initiatives
Historical Growth: Historical growth information would require review of financial statements over several years.
Future Projections: Future growth projections are not readily available without analyst estimates and financial models.
Recent Initiatives: Recent initiatives may include branch expansions, digital banking enhancements, and community outreach programs.
Summary
Blue Foundry Bancorp is a community-focused bank with a strong local presence and customer relationships. Its smaller size limits its growth potential compared to larger competitors. The bank is currently facing intense competition and rising interest rates, which may impact its profitability. Digital transformations and strategic partnerships will need to be explored to grow.
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Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share data and financial projections are estimates and may not be accurate. Consult with a qualified financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Blue Foundry Bancorp
Exchange NASDAQ | Headquaters Rutherford, NJ, United States | ||
IPO Launch date 2021-07-16 | President, CEO & Director Mr. James D. Nesci | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 184 | Website https://www.bluefoundrybank.com |
Full time employees 184 | Website https://www.bluefoundrybank.com | ||
Blue Foundry Bancorp operates as the bank holding company for Blue Foundry Bank, a savings bank that offers banking products and services for individuals and businesses in northern New Jersey. It offers saving, time, and non-interest-bearing deposits; NOW and demand accounts; and loans, such as residential and commercial real estate, multifamily, construction, consumer, and commercial and industrial loans, as well as junior liens and home equity lines of credit. The company was formerly known as Boiling Springs Bancorp and changed its name to Blue Foundry Bancorp in July 2019. Blue Foundry Bancorp was founded in 1939 and is based in Rutherford, New Jersey.
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