Blue Foundry Bancorp

BLFY

Blue Foundry Bancorp

BLFY

Insider Sentiment (TTM):

Last Purchase:2025-08-04Last Sale:2025-06-17Shares Purchased (TTM):0Shares Sold (TTM):0

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:10,212,464Shares Outstanding:19,646,810Institutional Ownership Pct.:51.98%

Earnings Market Reaction:

Filing Date:2026-03-31Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31
Cash And Cash Equivalents At Carrying Value	53	44	42	46	43	76	60	54	46	52	46	58
Debt Securities Available For Sale Excluding Accru…	301	274	284	287	297	291	298	265	284	284	301	309
Debt Securities Held To Maturity Excluding Accrued…	27	27	29	32	33	33	33	33	33	33	33	33
Other Investments	16	16	18	18	18	18	18	18	20	21	20	21
Assets
Assets	2,168	2,156	2,128	2,092	2,061	2,055	2,045	2,028	2,045	2,061	2,081	2,101
Loans Receivable Held For Sale Amount	-	-	-	-	-	-	-	-	-	2	2	3
Financing Receivable Excluding Accrued Interest Af…	1,676	1,701	1,660	1,613	1,571	1,538	1,534	1,540	1,547	1,557	1,567	1,572
Accrued Investment Income Receivable	9	9	9	9	8	8	8	8	8	8	7	7
Real Estate Acquired Through Foreclosure	0	-	-	-	0	0	0	1	1	1	-	-
Property Plant And Equipment Net	27	28	28	29	29	30	31	32	32	32	32	31
Operating Lease Right Of Use Asset	22	21	22	23	23	24	25	24	25	26	27	26
Bank Owned Life Insurance	23	23	23	23	23	22	22	22	22	22	22	22
Other Assets	13	12	13	14	16	14	16	30	27	23	23	19
Liabilities And Stockhold…
Deposits	1,510	1,493	1,416	1,387	1,343	1,319	1,311	1,291	1,245	1,253	1,267	1,245
Advances From Federal Home Loan Banks	301	301	343	334	340	349	343	343	398	403	400	423
Liabilities
Advance Payments By Borrowers For Taxes And Insura…	9	10	10	10	9	10	10	9	9	10	10	10
Liabilities	1,855	1,841	1,806	1,766	1,728	1,716	1,700	1,678	1,689	1,701	1,714	1,715
Operating Lease Liability	23	23	24	24	25	26	26	26	27	27	28	28
Other Liabilities	12	14	13	10	11	13	10	8	11	9	9	11
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital	281	280	279	278	277	277	276	274	274	273	272	272
Retained Earnings Accumulated Deficit	142	146	148	150	152	155	159	162	164	167	169	171
Stockholders Equity
Stockholders Equity	313	314	321	327	332	339	346	350	356	359	367	386
Treasury Stock Common Value	-76	-76	-69	-64	-60	-55	-49	-45	-40	-34	-31	-13
Employee Stock Ownership Plan E S O P Deferred Sha…	-18	-18	-19	-19	-19	-19	-20	-20	-20	-20	-21	-21
Accumulated Other Comprehensive Income Loss Net Of…	-16	-17	-19	-18	-19	-19	-21	-21	-23	-27	-23	-23
Liabilities And Stockholders Equity	2,168	2,156	2,128	2,092	2,061	2,055	2,045	2,028	2,045	2,061	2,081	2,101
Held To Maturity Securities Fair Value	26	25	27	30	30	29	28	29	28	28	28	29
Debt Securities Held To Maturity Allowance For Cre…	0	0	0	0	0	0	0	0	0	0	0	0
Financing Receivable Allowance For Credit Loss Exc…	14	14	13	13	13	13	13	14	14	14	14	14
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Preferred Stock Shares Authorized	10	10	10	10	10	10	10	10	10	10	10	10
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	70	70	70	70	70	70	70	70	70	70	70	70
Common Stock Shares Issued	29	29	29	29	29	29	29	29	29	29	29	29
Shares Outstanding	21	21	22	22	23	23	24	24	25	25	25	27
Treasury Stock Common Shares	8	8	7	6	6	6	5	5	4	3	3	1

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10‑Q10‑K

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2025	-10.17%	-1.60%	-16.35%	5.79%	0.00%	-8.24%	45.98%	52.56%	60.37%	-	-	-
2024	-1.75%	-2.30%	14.21%	11.48%	5.14%	-2.72%	-3.38%	-16.73%	-13.26%	-4.30%	7.84%	-6.34%
2023	13.79%	16.21%	17.82%	-4.63%	-15.71%	-22.96%	13.63%	21.29%	14.48%	-9.06%	4.31%	-6.04%
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Performance and Valuation Metrics

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Metrics	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31
Leverage & Debt
Interest Coverage TTM	-1.21	-1.21	-1.28	-1.30	-0.72	-0.20	0.32	0.78	0.80	0.88	0.96	1.06
Per Share Metrics
Diluted EPS TTM	-0.51	-0.47	-0.57	-0.58	-0.55	-0.57	-0.44	-0.41	-0.31	-0.17	-0.05	0.02
Free Cash Flow Per Share TTM	-0.41	-0.13	-0.30	0.30	0.24	-0.14	0.02	-0.74	-0.74	-0.36	-0.21	-0.30
Dividend Per Share TTM	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Margin Metrics
Gross Profit Margin TTM	49.72%	47.84%	45.76%	44.52%	43.94%	36.17%	37.72%	40.07%	44.28%	59.80%	68.36%	76.64%
Operating Profit Margin TTM	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Net Profit Margin TTM	-10.52%	-10.00%	-12.72%	-13.47%	-13.94%	-14.47%	-11.55%	-11.13%	-9.35%	-5.11%	-1.70%	0.94%
Growth Metrics
Net Revenue Growth (1Y)	11.53%	9.60%	8.26%	7.65%	8.02%	10.04%	13.93%	19.90%	26.74%	29.21%	27.75%	21.45%
Net Income Growth (1Y)	-15.83%	-24.28%	19.18%	30.32%	61.02%	211.35%	675.47%	-1,523.82%	-408.72%	-78.06%	-96.38%	-101.81%
EPS Growth (1Y)	-7.99%	-17.14%	30.54%	41.12%	79.38%	240.85%	765.19%	-1,735.10%	-437.63%	-75.37%	-96.06%	-101.88%
Calculated Values
Free Cash Flow TTM	-8.02M	-2.55M	-5.99M	6.13M	5.05M	-2.88M	338.00K	-16.45M	-17.69M	-8.45M	-5.07M	-7.68M
Net Debt	-53.14M	-44.09M	-41.88M	-46.22M	-42.50M	-76.11M	-60.26M	-53.75M	-46.03M	-52.41M	-45.76M	-57.62M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2025-08-04Purchase

Owner: Malkiman, Aleksandr

Title: EVP and Chief Tech Officer

Shares: 2,000

Price/Share: $8.56

Value: $17,120.00

Shares Owned: 22,100

Relationship: Officer

Ownership: Direct

2025-08-04Purchase

Owner: Kinzler, Patrick H.

Title: -

Shares: 1,500

Price/Share: $8.51

Value: $12,765.00

Shares Owned: 77,911

Relationship: Director

Ownership: Direct

2025-08-01Purchase

Owner: Kinzler, Patrick H.

Title: -

Shares: 2,500

Price/Share: $8.41

Value: $21,025.00

Shares Owned: 76,411

Relationship: Director

Ownership: Direct

2025-06-17Sale

Owner: Lang, Mirella

Title: -

Shares: 4,520

Price/Share: $8.76

Value: $39,595.20

Shares Owned: 44,028

Relationship: Director

Ownership: Direct

2025-06-05Purchase

Owner: Malkiman, Aleksandr

Title: EVP and Chief Tech Officer

Shares: 1,000

Price/Share: $8.80

Value: $8,800.00

Shares Owned: 18,100

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2025-08-04	Malkiman, Aleksandr	Officer	EVP and Chief Tech Officer	Direct	Purchase	2,000	8.56	$17,120.00	22,100	4
2025-08-04	Kinzler, Patrick H.	Director	-	Direct	Purchase	1,500	8.51	$12,765.00	77,911	4
2025-08-01	Kinzler, Patrick H.	Director	-	Direct	Purchase	2,500	8.41	$21,025.00	76,411	4
2025-06-17	Lang, Mirella	Director	-	Direct	Sale	4,520	8.76	$39,595.20	44,028	4
2025-06-05	Malkiman, Aleksandr	Officer	EVP and Chief Tech Officer	Direct	Purchase	1,000	8.80	$8,800.00	18,100	4
2025-05-02	Owes, Keith	Officer	Chief Risk Officer	Direct	Purchase	1,000	9.66	$9,660.00	15,500	4
2024-09-19	Owes, Keith	Officer	Chief Risk Officer	Direct	Purchase	1,000	11.02	$11,020.00	11,000	4
2024-08-28	Goldstein, Robert Thomas	Director	-	Direct	Sale	3,500	10.80	$37,800.00	39,283	4
2024-01-26	Letsche, Margaret	Director	-	Direct	Sale	2,567	10.09	$25,901.03	61,610	4
2023-05-18	Ely, James Christopher	Director	-	Indirect	Purchase	1,000	9.21	$9,210.00	10,366	4
2023-05-18	Shaw, Jonathan M.	Director	-	Direct	Purchase	900	9.02	$8,118.00	45,808	4
2023-05-17	Jobes, Elizabeth Varki	Director	-	Direct	Purchase	2,247	8.90	$19,998.30	2,247	4
2023-05-17	Nesci, James D	Director,Officer	President and CEO	Indirect	Purchase	1,000	8.74	$8,740.00	36,882	4
2023-05-17	Goldstein, Robert Thomas	Director	-	Indirect	Purchase	1,000	8.87	$8,870.00	8,500	4
2023-05-17	Grimbilas, Kenneth	Director	-	Indirect	Purchase	1,117	8.95	$9,997.15	41,117	4
2023-05-08	Goldberg, Jason M.	Officer	EVP and Chief Lending Officer	Indirect	Purchase	1,000	9.06	$9,060.00	1,000	4
2023-05-02	Nesci, James D	Director,Officer	President and CEO	Indirect	Purchase	1,000	8.67	$8,670.00	35,882	4
2023-05-02	Rowe, Robert	Officer	EVP and Chief Risk Officer	Direct	Purchase	5,000	8.61	$43,050.00	19,250	4
2023-03-13	Letsche, Margaret	Director	-	Indirect	Purchase	1,300	9.86	$12,818.00	1,500	4
2023-01-30	Rowe, Robert	Officer	EVP and CRO	Direct	Purchase	5,000	11.62	$58,100.00	5,000	4
2022-10-07	Kinzler, Patrick H.	Director	-	Direct	Purchase	100	11.24	$1,124.00	73,911	4
2022-10-03	Kinzler, Patrick H.	Director	-	Direct	Purchase	100	11.14	$1,114.00	73,811	4
2022-09-15	Letsche, Margaret	Director	-	Direct	Purchase	1,500	11.32	$16,980.00	64,177	4
2022-09-07	Goldstein, Robert Thomas	Director	-	Indirect	Purchase	2,500	11.08	$27,700.00	7,500	4
2022-09-06	Goldstein, Robert Thomas	Director	-	Indirect	Purchase	3,000	11.21	$33,630.00	5,000	4
2022-09-02	Kinzler, Patrick H.	Director	-	Direct	Purchase	1,000	11.27	$11,270.00	73,711	4
2022-08-25	Kinzler, Patrick H.	Director	-	Direct	Purchase	1,552	11.60	$18,003.20	29,928	4
2022-08-24	Kinzler, Patrick H.	Director	-	Direct	Purchase	2,000	11.59	$23,180.00	28,376	4
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Institutional Ownership

No data available for chart

2026-03-31

51.98%

Inst. Shares: 10,212,464

Shares Outstanding: 19,646,810

2025-12-31

41.14%

Inst. Shares: 8,082,287

Shares Outstanding: 19,646,810

2025-09-30

39.53%

Inst. Shares: 7,680,417

Shares Outstanding: 19,431,456

2025-06-30

43.53%

Inst. Shares: 8,638,645

Shares Outstanding: 19,843,710

2025-03-31

42.46%

Inst. Shares: 8,663,124

Shares Outstanding: 20,404,941

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	10,212,464	19,646,810	51.98%
2025-12-31	8,082,287	19,646,810	41.14%
2025-09-30	7,680,417	19,431,456	39.53%
2025-06-30	8,638,645	19,843,710	43.53%
2025-03-31	8,663,124	20,404,941	42.46%
2024-12-31	8,786,705	21,477,429	40.91%
2024-09-30	9,034,033	21,263,482	42.49%
2024-06-30	8,813,315	21,735,002	40.55%
2024-03-31	8,834,821	22,095,260	39.99%
2023-12-31	8,873,200	23,925,724	37.09%
2023-09-30	8,627,650	23,278,490	37.06%
2023-06-30	8,890,874	24,249,714	36.66%
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Blue Foundry Bancorp (BLFY) — SEC Financial Statements & Analysis

Blue Foundry Bancorp (BLFY) is a savings institutions, not federally chartered company. Blue Foundry Bancorp trades on Nasdaq as: BLFY. Based on its latest SEC filing (Form 10-Q, period ending 2025-12-31), Blue Foundry Bancorp reported a 11.53% year-over-year revenue growth, a Gross Profit Margin of 49.72% (TTM). Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 11.53%
Gross Profit Margin TTM: 49.72%

Data as of 2025-12-31 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Blue Foundry Bancorp in?

Blue Foundry Bancorp (BLFY) operates in the Savings Institutions, Not Federally Chartered industry.

What exchange does BLFY trade on?

Blue Foundry Bancorp (BLFY) trades on the Nasdaq.