Financial Snapshot

Revenue
$63.67M
TTM
Gross Margin
Net Earnings
-$12.16M
TTM
Current Assets
Current Liabilities
$25.87M
Q3 2024
Current Ratio
Total Assets
$2.055B
Q3 2024
Total Liabilities
$1.716B
Q3 2024
Book Value
$339.3M
Q3 2024
Cash
Q3 2024
P/E
-20.63
Nov 29, 2024 EST
Free Cash Flow
-$17.05M
TTM

Revenues

Revenues

Loading...

Revenue YoY Change

Loading...

Revenues

Concept 2023 2022 2021 2020 2019
Revenue $79.11M $62.41M $56.05M $61.63M
YoY Change 26.74% 11.35% -9.04%

Expenses

Cost Of Revenues

Loading...

Gross Profit

Loading...

Gross Profit Margin

Loading...

Gross Profit

Concept 2023 2022 2021 2020 2019
Revenue $79.11M $62.41M $56.05M $61.63M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Loading...

Research & Development

Loading...

Depreciation, Depletion & Amortization

Loading...

SGA Expense to Gross Profit Ratio

Loading...

R&D To Gross Profit Ratio

Loading...

DDA To Gross Profit Ratio

Loading...

Operating Expenses Total

Loading...

Operating Profits/Loss

Loading...

Operational Expenses

Concept 2023 2022 2021 2020 2019
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $2.900M $2.700M $2.300M $1.900M $1.920M
YoY Change 7.41% 17.39% 21.05% -1.04%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Loading...

Interest Expenses To Operating Income %

Loading...

Other Expense/Income

Loading...

Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019
Interest Expense $37.19M $10.57M $13.10M $22.56M
YoY Change 251.81% -19.34% -41.91%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Loading...

Income Tax

Loading...

Net Profits/Loss

Loading...

Pretax Income YoY Change

Loading...

Income Tax Rate

Loading...

Net Profits/Loss YoY Change

Loading...

Basic EPS

Loading...

Net Income To Revenue Ratio

Loading...

Pretax & Net Income

Concept 2023 2022 2021 2020 2019
Pretax Income -$7.397M $2.734M -$26.72M -$39.37M $7.320M
YoY Change -370.56% -110.23% -32.13% -637.84%
Income Tax $0.00 $338.0K $9.618M -$7.866M $1.840M
% Of Pretax Income 12.36% 25.14%
Net Earnings -$7.397M $2.396M -$36.34M -$31.51M $5.480M
YoY Change -408.72% -106.59% 15.35% -674.93%
Net Earnings / Revenue -9.35% 3.84% -64.84% -51.13%
Basic Earnings Per Share -$0.31 $0.09 -$2.99
Diluted Earnings Per Share -$0.31 $0.09 -$2.99 -$1.105M $192.1K

Assets & Liabilities

Cash & Short-Term Investments

Loading...

Cash & Equivalents

Loading...

Cash To Operating Expenses Ratio

Loading...

Inventory

Loading...

Receivables

Loading...

Total Short-Term Assets

Loading...

Property, Plant And Equipment

Loading...

Long-Term Investments

Loading...

Total Long-Term Assets

Loading...

Total Assets

Loading...

Net Income To Total Assets Percentage

Loading...

Accounts Payable

Loading...

Short-Term Debt

Loading...

Long Term Debt Due

Loading...

Total Short-Term Liabilities

Loading...

Long-Term Debt

Loading...

Other Long-Term Liabilities

Loading...

Total Long-Term Liabilities

Loading...

Total Liabilities

Loading...

Short-Term To Long-Term Debt Ratio

Loading...

Short-Term Assets To Debt Ratio

Loading...

Long-Term Debt To Net Income Ratio

Loading...

Assets & Liabilities

Concept 2023 2022 2021 2020 2019
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $57.65M $55.73M $53.60M $44.40M $32.30M
YoY Change 3.44% 3.98% 20.72% 37.46%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $0.00 $5.300M $0.00
YoY Change -100.0%
Total Long-Term Assets
YoY Change
Total Assets $2.045B $2.043B $1.914B $1.943B $1.854B
YoY Change
Accounts Payable
YoY Change
Accrued Expenses $26.78M $27.32M $26.70M $25.50M $0.00
YoY Change -2.0% 2.34% 4.71%
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $26.78M $27.32M $26.70M $25.50M
YoY Change -2.0% 2.34% 4.71%
Long-Term Debt $8.929M $9.302M $9.600M $10.80M $12.20M
YoY Change -4.01% -3.1% -11.11% -11.48%
Other Long-Term Liabilities $11.21M $13.63M $15.90M $15.00M $12.40M
YoY Change -17.75% -14.26% 6.0% 20.97%
Total Long-Term Liabilities $20.14M $22.93M $25.50M $25.80M $24.60M
YoY Change -12.17% -10.06% -1.16% 4.88%
Total Liabilities $1.689B $1.650B $1.485B $1.737B $1.617B
YoY Change 2.41% 11.11% -14.52% 7.45%

Ownership

Basic Shares Outstanding

Loading...

Diluted Shares Outstanding

Loading...

Preferred Stock

Loading...

Treasury Stock Shares

Loading...

Stock Issuance & Repurchase

Loading...

Ownership Data

Concept 2023 2022 2021 2020 2019
Basic Shares Outstanding 23.93M shares 26.17M shares 12.17M shares
Diluted Shares Outstanding 23.93M shares 26.27M shares 12.17M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Loading...

Book Value

Loading...

Free Cash Flow

Loading...

Free Cash Flow YoY

Loading...

Free Cash Flow Margin

Loading...

Dividends

Dividends

Loading...

Stock Price

Loading...
Market Cap: $250.76 Million

About Blue Foundry Bancorp

Blue Foundry Bancorp operates as a bank holding company for Blue Foundry Bank, a savings bank that offers various banking products and services for individuals and businesses. The company is headquartered in Rutherford, New Jersey and currently employs 179 full-time employees. The company went IPO on 2021-07-16. The Bank is a chartered stock savings bank. The Bank's principal business consists of originating one-to-four family residential, multi-family, and non-residential real estate mortgages, home equity loans and lines of credit, construction, and commercial and industrial loans in its principal market and surrounding areas. In addition, it often lends outside of its branch network in more densely populated and metropolitan areas, adding diversification to its loan portfolio. The company attracts retail deposits from the general public in the areas surrounding its banking offices, through its borrowers, and through its online presence, offering a variety of deposit products. The company also invests in securities. Its primary sources of funds are deposits, principal and interest payments on loans, securities, and borrowings from the Federal Home Loan Bank of New York. The company operates over 20 full-service banking offices in New Jersey.

Industry: Savings Institutions, Not Federally Chartered Peers: Greystone Housing Impact Investors LP FEDERAL HOME LOAN MORTGAGE CORP HOME BANCORP, INC. Home Point Capital Inc. Provident Bancorp, Inc. /MD/ Rocket Companies, Inc. Sterling Bancorp, Inc. Waterstone Financial, Inc. Velocity Financial, Inc.