* Note: Prices are in Million (M) USD.
Description:
Blue Foundry Bancorp (BLFY) is a community-oriented financial institution based in New Jersey, primarily focused on delivering personalized banking services to local individuals and businesses. The bank provides an array of products, including deposit accounts, loans, and mortgages, which are designed to support regional economic development. By leveraging innovative digital platforms, Blue Foundry Bancorp enhances customer experience while ensuring robust risk management and adherence to regulatory standards. This strategic integration of community engagement with sustainable banking practices solidifies the bank's role as a key contributor to the local economy and the broader regional banking sector.
These criteria used Company's Cash, EBITDA and Debt balance to determines its fair value:
Note: Financial institutions (banks/insurers/brokers/REITs) are evaluated using sector, P/E, growth, ROE and other factors. The 3.5× Net Debt/EBITDA rule is skipped to avoid misleading signals; however, Cash/Debt/EBITDA are still displayed and counted for scoring.
Cash : $44 M
Debt : $324 M
EBITDA : $-6 M
Net Debt (Debt - Cash): $280 M
Since Ebitda is less than 0, 0 points assigned.
This criteria used industry in which company operates:
Sector: Financials
Industry: Banks - regional
Based on industry, 3 points assigned.
This criteria used Company's Price To Earning (P/E) Ratio to determines its fair value:
Message: Cannot calculate PE Ratio since EPS is either 0 or negative.
Using default values for calculation.
Forward PE Ratio (using default values): 20.00
Since Forward PE Ratio is between 20 - 25, 2 points assigned.
This criteria used Company's ability to convert Sales into free cash flow to determine fair value:
Using last 6 overlapping fiscal years (max 20).Average Free Cash Flow: $-8 M
Average Revenue: $68 M
Revenue Converted To Free Cash Flow (%): -11.4%
Since Free Cash Flow (FCF) to Revenue percentage is non-positive, 0 point assigned.
This criteria used company's growth potential to calculate its fair value:
Latest Revenue (2024-12-31): $87 M
Revenue 5 Years Ago (2019-12-31): $67 M
Total Growth over 5 Years: 29.4%
5-Year Revenue CAGR (Historical): 5.3%
Forward 5-Year CAGR (Tapered): 4.8%
Since historical Revenue CAGR is between 5 - 10, 2 points assigned.
This criteria used Company's ability to buy back its own share:
Latest Share Count (2024-12-31): $21 M
Share Count 5 Years Ago (2020-12-31): $28 M
Company is buying back its own shares, 3 points assigned.
This criteria used Company's dividend payout ratio to determine its fair value:
Next Year Earnings Per Share (EPS): $-0.15
Trailing 12-Month Earnings Per Share (EPS): $0.00
Average Earnings Per Share (EPS): $0.00
Dividend Per Share (DPS): $0
Payout Ratio: 0%
Dividend Yield: 0.00%
⚠️ Caution: Negative earnings detected — Further research is recommended - Next Fiscal Yr EPS: $-0.15
Since Dividend Per Share is less than or equal to 0, 0 point assigned.
Since Dividend Yield is less than 1, 0 point assigned.
This criteria used Company's Return On Equity (ROE%) to determine its fair value:
Using last 6 valid ROE years (max 20).Average ROE: -4.4%
Since Average ROE is non-positive, 0 point assigned.
This criteria used Company's current price to its 52 week low price to determines its fair value:
Current Price: $14.37
52-Week Low: $7.61
Threshold Price (15% Above 52-Week Low): $8.75
Since Current price is not within 15% threshold, 0 point assigned.
This criteria used Company's Market Cap to determines its fair value:
Market Capitalization: $298 M
Since Market Cap is less than 10B, 1 point assigned.
% Exposure to Total Portfolio
Based on the market cap, we recommend do not exceed 0.5% exposure of Total Portfolio.
Warren Buffett's Owners' Earnings:
Owners' Earnings (FCF/Share, latest positive annual) (2024-12-31): $0.23
Note: Many fast-growing companies reinvest heavily, so Owners' Earnings may appear low.
Consider other factors in your valuation.
Value-Trade has assigned 11 points to above Blue Foundry Bancorp (BLFY) stock.
Fair Value PE 12, Industry Based PE 13, Growth Based PE 15, Risk-Free Anchored PE (25% MoS) 17.81. Based on these 4 values, average assigned is 14.45. The fair value of Blue Foundry Bancorp (BLFY) stock cannot be calculated since EBITDA and EPS are either 0 or negative.
