BLFY (BLFY)
Blue Foundry Bancorp
NASDAQ:BLFYFinancial Services · Banks - Regional
Mkt Cap-
Float17.24M
O/S-
Inst Own-
Dilution
Delisting Issues Timeline
Financials Summary
Revenue$96.99M
Net Income-$10.03M
Total Assets$2.17B
Free Cash Flow-$8.31M
Debt & Equity
Debt 51%
Equity 49%
Total Debt$324.43M
Total Equity$312.74M
Shares Outstanding
Short Interest
Split History
No splits on record
Nothing in BLFY's public trading history: no forward or reverse split has affected the share count.
Balance Sheet Details
Assets$2.17B
Liabilities$1.86B
Accounts Receivable$9.29M
Accounts Payable$0
Inventory$0
PP&E (Net)$48.53M
Goodwill$0
Intangible Assets$0
Income Statement
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Revenue | $96.99M | $87.25M | $80.91M | $65.08M | $58.53M | $50.06M | $67.45M |
| YoY Growth | 11.2% | 7.8% | 24.3% | 11.2% | 16.9% | -25.8% | - |
| Cost of Revenue | $50.05M | $46.55M | $36.74M | $9.26M | $11.28M | $26.39M | $23.17M |
| Gross Profit | $46.94M | $40.69M | $44.16M | $55.82M | $47.26M | $23.67M | $44.28M |
| Gross Margin | 48.4% | 46.6% | 54.6% | 85.8% | 80.7% | 47.3% | 65.6% |
| Research and Development | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Selling, General, and Administrative | $33.32M | $30.58M | $29.59M | $30.69M | $28.64M | $29.88M | $28M |
| Other | $23.65M | $22.02M | $21.97M | $22.4M | $45.34M | $33.16M | $8.96M |
| Total Operating Expenses | $56.97M | $52.6M | $51.56M | $53.09M | $73.98M | $63.04M | $36.96M |
| Operating Income (EBIT) | -$10.03M | -$11.91M | -$7.4M | $2.73M | -$26.72M | -$39.37M | $7.32M |
| Operating Margin | -10.3% | -13.7% | -9.1% | 4.2% | -45.7% | -78.7% | 10.9% |
| Interest Expense | $47.92M | $47.9M | $37.19M | $10.57M | $13.1M | $22.56M | $21.91M |
| Interest Income | $95.31M | $85.45M | $79.11M | $62.41M | $56.05M | $61.63M | $64.83M |
| Other Income (Expense) | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Income Before Tax (EBT) | -$10.03M | -$11.91M | -$7.4M | $2.73M | -$26.72M | -$39.37M | $7.32M |
| Income Tax Expense | $0 | $0 | $0 | $338K | $9.62M | -$7.87M | $1.84M |
| Net Income | -$10.03M | -$11.91M | -$7.4M | $2.4M | -$36.34M | -$31.51M | $5.48M |
| Net Income Margin | -10.3% | -13.7% | -9.1% | 3.7% | -62.1% | -62.9% | 8.1% |
| Supplementary Data | |||||||
| EPS | -0.51 | -0.55 | -0.31 | 0.09 | -1.38 | -1.13 | 0.20 |
| Diluted EPS | -0.51 | -0.55 | -0.31 | 0.09 | -1.38 | -1.13 | 0.20 |
| Weighted Average OS | 19.65M | 21.48M | 23.93M | 26.17M | 26.29M | 27.77M | 27.77M |
| EBITDA | -$7.07M | -$8.79M | -$4.53M | $5.4M | -$24.38M | -$37.45M | $9.24M |
| EBITDA Margin | -7.3% | -10.1% | -5.6% | 8.3% | -41.6% | -74.8% | 13.7% |
Balance Sheet
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Assets | |||||||
| Current Assets | |||||||
| Cash and Cash Equivalents | $53.14M | $42.5M | $46.02M | $41.18M | $193.45M | $316.44M | $124.03M |
| Short-Term Investments | $92.12M | $297.03M | $283.77M | $314.25M | $324.89M | $244.59M | $204.41M |
| Cash and Short-Term Investments | $145.26M | $339.53M | $329.79M | $355.43M | $518.34M | $561.03M | $328.44M |
| Accounts Receivable | $9.29M | $8.01M | $7.59M | $6.89M | $5.37M | $5.75M | $5.39M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Current Assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Current Assets | $154.55M | $347.54M | $337.39M | $362.32M | $523.71M | $566.78M | $333.83M |
| Long-Term Assets | |||||||
| Property, Plant & Equipment Net | $48.53M | $52.96M | $57.65M | $55.73M | $53.58M | $44.45M | $32.27M |
| Goodwill | $0 | $0 | $0 | $0 | $0 | $0 | $15.46M |
| Intangible Assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $1.91B | $1.6B | $1.58B | $1.57B | $1.3B | $1.28B | $1.42B |
| Deferred Tax Assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Long-Term Assets | $52.66M | $56.59M | $70.1M | $59.85M | $40.45M | $51.9M | $49.13M |
| Total Long-Term Assets | $2.01B | $1.71B | $1.71B | $1.68B | $1.39B | $1.38B | $1.52B |
| Other Assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Assets | $2.17B | $2.06B | $2.04B | $2.04B | $1.91B | $1.94B | $1.85B |
| Liabilities | |||||||
| Current Liabilities | |||||||
| Accounts Payable | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Short-Term Debt | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Current Income Tax Payable | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Current Unearned Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Current Liabilities | $1.51B | $1.34B | $1.24B | $1.29B | $1.25B | $1.36B | $1.3B |
| Total Current Liabilities | $1.51B | $1.34B | $1.24B | $1.29B | $1.25B | $1.36B | $1.3B |
| Long-Term Liabilities | |||||||
| Long-Term Debt | $301M | $339.5M | $397.5M | $310.5M | $185.5M | $329.4M | $296.9M |
| Long-Term Unearned Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Deferred Tax Liabilities | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Long-Term Liabilities | $20.96M | $20.5M | $20.14M | $22.93M | $25.5M | $25.83M | $24.58M |
| Total Long-Term Liabilities | $345.39M | $385.17M | $444.42M | $360.76M | $237.7M | $380.76M | $321.48M |
| Other Liabilities | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $1.86B | $1.73B | $1.69B | $1.65B | $1.48B | $1.74B | $1.62B |
| Stockholders' Equity | |||||||
| Preferred Stock | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Common Stock | $285K | $285K | $285K | $285K | $285K | $10K | $10K |
| Retained Earnings | $142.4M | $152.43M | $164.34M | $171.76M | $169.46M | $205.8M | $237.31M |
| Comprehensive Income & Other | -$16.07M | -$18.95M | -$22.88M | -$24.72M | -$372K | -$1.03M | -$517K |
| Other Stockholders' Equity | $170.05M | $179.48M | $191.01M | $221.67M | $259.73M | -$209K | $305K |
| Total Equity | $312.74M | $332.2M | $355.64M | $393.72M | $429.47M | $205.6M | $237.62M |
| Minority Interest | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities and Equity | $2.17B | $2.06B | $2.04B | $2.04B | $1.91B | $1.94B | $1.85B |
| Supplementary Data | |||||||
| Total Debt | $324.43M | $364.67M | $424.28M | $337.82M | $212.2M | $354.94M | $296.9M |
| Net Debt | $271.29M | $322.17M | $378.25M | $296.64M | $18.75M | $38.49M | $172.87M |
Cash Flow Statement
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Operating Activities | |||||||
| Net Income | -$10.03M | -$11.91M | -$7.4M | $2.4M | -$36.34M | -$31.51M | $5.48M |
| Depreciation & Amortization | $2.95M | $3.13M | $2.87M | $2.66M | $2.35M | $1.93M | $1.92M |
| Deferred Income Tax | $0 | $0 | $0 | $0 | $8.73M | -$6.45M | $826K |
| Stock-Based Compensation | $3.99M | $4.06M | $3.77M | $1.82M | $1.27M | $0 | $0 |
| Changes in Working Capital: | |||||||
| Accounts Receivable | -$1.27M | -$419K | -$702K | -$1.52M | $377K | -$355K | $35K |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Accounts Payable | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Working Capital | -$5.31M | $11.12M | -$10.66M | -$1.97M | $11.22M | $1.77M | -$4.85M |
| Total Working Capital Change | -$6.58M | $10.7M | -$11.36M | -$3.49M | $11.6M | $1.41M | -$4.82M |
| Other Non-Cash Items | $1.65M | -$913K | -$2K | -$605K | -$1.75M | $33.36M | $2.02M |
| Net Cash from Operating | -$8.02M | $5.06M | -$12.12M | $2.78M | -$14.14M | -$1.25M | $5.43M |
| Investing Activities | |||||||
| Capital Expenditures | -$296K | -$140K | -$5.57M | -$5.36M | -$11.9M | -$7.29M | -$2.2M |
| Acquisitions | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Purchases of Investments | -$133.49M | -$89.26M | -$15.52M | -$90.79M | -$188.32M | -$128.57M | -$128.51M |
| Sales of Investments | $146.27M | $78.63M | $50.76M | $52.53M | $86.22M | $99.28M | $40.34M |
| Other Investing Activities | -$105.53M | -$19.24M | -$19.36M | -$262.62M | $8.67M | $137.98M | $32.66M |
| Net Cash from Investing | -$93.04M | -$30.01M | $10.3M | -$306.24M | -$105.33M | $101.39M | -$57.71M |
| Financing Activities | |||||||
| Debt Repaid | $38.5M | $58M | -$87M | -$125M | $143.9M | -$32.5M | -$100.4M |
| Common Stock Issuance | $21K | $0 | $0 | $0 | $250.78M | $0 | $0 |
| Common Stock Repurchases | -$16.27M | -$19.42M | -$36.01M | -$15.35M | $0 | $0 | $0 |
| Dividends Paid | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Financing Activities | $166.44M | $98.84M | -$44.33M | $41.54M | -$110.4M | $59.77M | $41.46M |
| Net Cash from Financing | $111.69M | $21.42M | $6.66M | $151.19M | -$3.52M | $92.27M | $141.86M |
| Forex Effect | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Net Change in Cash | $10.64M | -$3.52M | $4.84M | -$152.26M | -$123M | $192.41M | $89.58M |
| Supplementary Data | |||||||
| Operating Cash Flow | -$8.02M | $5.06M | -$12.12M | $2.78M | -$14.14M | -$1.25M | $5.43M |
| Capital Expenditure | -$296K | -$140K | -$5.57M | -$5.36M | -$11.9M | -$7.29M | -$2.2M |
| Free Cash Flow | -$8.31M | $4.92M | -$17.69M | -$2.58M | -$26.04M | -$8.54M | $3.23M |
| Cash at Beginning | $42.5M | $46.02M | $41.18M | $193.45M | $316.44M | $124.03M | $34.45M |
| Cash at End | $53.14M | $42.5M | $46.02M | $41.18M | $193.45M | $316.44M | $124.03M |