Blue Foundry Bancorp () Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Hingham Institution for Savings

Greene County Bancorp, Inc.

Southern Missouri Bancorp, Inc.

Timberland Bancorp, Inc. (Washington)

Third Coast Bancshares, Inc.

Capitol Federal Financial, Inc.

TrustCo Bank Corp. NY

Northfield Bancorp, Inc. (New Jersey)

Blue Foundry Bancorp

Kearny Financial Corp.

FS Bancorp, Inc.

Why is Blue Foundry Bancorp ?

With a growth in Interest of NAN%, the company declared Very Positive results in Sep 25

NII(Q) Highest at USD 12.19 MM
NET SALES(Q) Highest at USD 24.13 MM
OPERATING PROFIT MARGIN(Q) Highest at -7.74 %

Risky -

The stock is trading risky as compared to its average historical valuations
Over the past year, while the stock has generated a return of 36.16%, its profits have risen by 24.3%

High Institutional Holdings at 53.25%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Market Beating Performance

The stock has generated a return of 36.16% in the last 1 year, much higher than market (S&P 500) returns of 14.90%

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Blue Foundry Bancorp should be less than 10%
Overall Portfolio exposure to Savings Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Blue Foundry Bancorp for you?

High Risk, High Return

Absolute

Risk Adjusted

Volatility

Blue Foundry Bancorp

38.41%

0.92

49.61%

S&P 500

14.9%

0.77

19.29%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

21.81%

EBIT Growth (5y)

11.99%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

53.25%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

NA (Loss Making)

Industry P/E

Price to Book Value

0.84

EV to EBIT

-44.08

EV to EBITDA

-54.72

EV to Capital Employed

0.91

EV to Sales

5.47

PEG Ratio

Dividend Yield

ROCE (Latest)

-2.06%

ROE (Latest)

-2.93%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bearish

Mildly Bullish

OBV

No Trend

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

18What is working for the Company

NII(Q)

Highest at USD 12.19 MM

NET SALES(Q)

Highest at USD 24.13 MM

OPERATING PROFIT MARGIN(Q)

Highest at -7.74 %

GROSS NPA (%)

OPERATING PROFIT(Q)

Highest at USD -1.87 MM

PRE-TAX PROFIT(Q)

Highest at USD -1.87 MM

NET PROFIT(Q)

Highest at USD -1.87 MM

EPS(Q)

Highest at USD -0.1

-2What is not working for the Company

CREDIT DEPOSIT RATIO(HY)

Lowest at 114.83%

Here's what is working for Blue Foundry Bancorp

NII

Highest at USD 12.19 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at USD 24.13 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

Operating Profit Margin

Highest at -7.74 % and Grown

In each period in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Non Performing Loans (%)

Lowest at 0.3%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

Operating Profit

Highest at USD -1.87 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Pre-Tax Profit

Highest at USD -1.87 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Pre-Tax Profit

At USD -1.87 MM has Grown at 53.77%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD -1.87 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Net Profit

At USD -1.87 MM has Grown at 53.77%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD -0.1

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Here's what is not working for Blue Foundry Bancorp

Credit Deposit Ratio

Lowest at 114.83% and Fallen

In each half year in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Capital Adequacy Ratio

Lowest at 17.63%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is deteriorating.

CAR (%)