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Upturn AI SWOT - About
BLFY 
Blue Foundry Bancorp (BLFY)
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Upturn Advisory Summary
09/17/2025: BLFY (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $9.88
1 Year Target Price $9.88
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -27.56% | Avg. Invested days 24 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 200.34M USD | Price to earnings Ratio - | 1Y Target Price 9.88 |
Price to earnings Ratio - | 1Y Target Price 9.88 | ||
Volume (30-day avg) 2 | Beta 0.61 | 52 Weeks Range 8.23 - 11.38 | Updated Date 09/17/2025 |
52 Weeks Range 8.23 - 11.38 | Updated Date 09/17/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.54 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -27.13% | Operating Margin (TTM) -14.9% |
Management Effectiveness
Return on Assets (TTM) -0.55% | Return on Equity (TTM) -3.41% |
Valuation
Trailing PE - | Forward PE 625 | Enterprise Value 504406752 | Price to Sales(TTM) 4.78 |
Enterprise Value 504406752 | Price to Sales(TTM) 4.78 | ||
Enterprise Value to Revenue 13.33 | Enterprise Value to EBITDA - | Shares Outstanding 21495700 | Shares Floating 16368781 |
Shares Outstanding 21495700 | Shares Floating 16368781 | ||
Percent Insiders 14.65 | Percent Institutions 50.44 |
Upturn AI SWOT
Blue Foundry Bancorp
Company Overview
History and Background
Blue Foundry Bancorp, formerly known as Boiling Springs Savings Bank, was founded in 1939 in Rutherford, New Jersey. Initially a community savings bank, it converted to a stock holding company and rebranded as Blue Foundry Bancorp in 2021. This transformation aimed to modernize the bank's image and expand its service offerings.
Core Business Areas
- Retail Banking: Offers checking and savings accounts, mortgages, personal loans, and other services to individual customers. Focuses on community banking and customer relationships.
- Commercial Banking: Provides commercial real estate loans, business loans, and other financial services to small and medium-sized businesses. Aims to support local business growth.
- Wealth Management: Offers wealth management and investment services to individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure includes retail banking, commercial banking, and wealth management divisions.
Top Products and Market Share
Key Offerings
- Checking and Savings Accounts: Offers a range of checking and savings accounts for personal and business customers. Competitors include all other banks and credit unions in the area. Market share data not publicly available.
- Commercial Real Estate Loans: Provides financing for commercial properties, including office buildings, retail centers, and industrial facilities. Competitors include other regional banks and credit unions. Market share data not publicly available.
- Mortgages: Offers a variety of mortgage products, including fixed-rate, adjustable-rate, and government-insured loans. Market share is regional within New Jersey. Competitors include large national banks like Chase and Wells Fargo, as well as regional banks such as Valley National Bancorp and Provident Financial Services. Revenue data is not publicly available by individual product.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory changes, and technological advancements. Community banks face competition from larger national banks and fintech companies.
Positioning
Blue Foundry Bancorp is positioned as a community-focused bank providing 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 TAM for banking services in Blue Foundry Bancorp's operating region is estimated to be in the billions of dollars. Blue Foundry Bancorp aims to capture a significant portion of this market through its community-focused approach and competitive product offerings.
Upturn SWOT Analysis
Strengths
- Strong community presence
- Experienced management team
- Customer-centric approach
- Solid capital base
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local market conditions
- Higher operating costs than larger, more efficient banks
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Growth in commercial lending
- Strategic acquisitions
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- VLY
- PFIS
- NTRS
- NWBI
Competitive Landscape
Blue Foundry Bancorp faces competition from larger regional banks and national banks. Its competitive advantage lies in its community focus and personalized service. Disadvantages include its smaller scale and limited geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Discuss Blue Foundry Bancorp's growth trends over the past years. Analyze revenue growth, asset growth, and profitability. Refer to official financial statements and annual reports.
Future Projections: Provide projections for Blue Foundry Bancorp's future growth based on analyst estimates. Consider factors such as market conditions, competition, and strategic initiatives.
Recent Initiatives: Highlight recent strategic initiatives undertaken by Blue Foundry Bancorp, such as branch expansions, technology upgrades, and new product launches.
Summary
Blue Foundry Bancorp is a community-focused bank with a strong local presence. Its strength lies in its customer relationships and community engagement. However, it faces challenges from larger competitors and the evolving banking landscape. Future growth depends on strategic initiatives and adaptation to market changes.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, financial news websites, industry reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share estimates are approximate and may vary. Financial data should be verified with official company statements.
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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