Blue Foundry Bancorp is a full-service bank. Its business consists of originating one-to-four-family residential, multi-family, and non-residential real estate mortgages, home equity loans and lines of credit, and commercial and industrial loans. It attracts retail deposits from the general public in the areas surrounding its banking offices, through its borrowers, and through its online presence, offering a wide variety of deposit products. The bank also invests in securities. Its revenues are derived from interest on loans and, to a lesser extent, interest on mortgage-backed and other investment securities. The company's sources of funds are deposits, principal, and interest payments on loans, securities, and borrowings from the Federal Home Loan Bank of New York.

Financial Strength

2/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.11
Equity-to-Asset	0.17
Debt-to-Equity	1.19
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	1/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.42	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	22.7
	3-Year EPS without NRI Growth Rate	-3.3
	3-Year FCF Growth Rate	-33.9
	3-Year Book Growth Rate	25.1

Momentum Rank

	Name	Current	Vs Industry		Vs History
	5-Day RSI	67.82
	9-Day RSI	56.19
	14-Day RSI	51.34
	6-1 Month Momentum %	17.73
	12-1 Month Momentum %	-1.78

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	4.1
	Shareholder Yield %	-59.45

Profitability Rank

1/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	-16.92
	FCF Margin %	-40.29
	ROE %	-1.99
	ROA %	-0.36
	Years of Profitability over Past 10-Year	2

GF Value Rank

9/10

	Name	Current	Vs Industry		Vs History
	PS Ratio	4.68
	PB Ratio	0.59
	Price-to-Tangible-Book	0.59
	EV-to-Revenue	13.31
	EV-to-FCF	-32.92
	FCF Yield %	-8.67

GF Value: €10.27

FRA:5P8

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