ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Blue Foundry Bancorp ?
1
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 %
2
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 37.16%, its profits have risen by 24.3%
3
High Institutional Holdings at 53.25%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
4
Market Beating Performance
- The stock has generated a return of 37.16% in the last 1 year, much higher than market (S&P 500) returns of 11.87%
Real-Time Research ReportHow 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
43.45%
0.94
49.54%
S&P 500
25.41%
0.62
19.30%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
21.81%
EBIT Growth (5y)
11.99%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
53.25%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation 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
NA
Dividend Yield
NA
ROCE (Latest)
-2.06%
ROE (Latest)
-2.93%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Bearish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
NII(Q)
Highest at USD 12.81 MM
NET PROFIT(HY)
Higher at USD -5.38 MM
NET SALES(Q)
Highest at USD 25.02 MM
-10What is not working for the Company
GROSS NPA (%)
(Q
CREDIT DEPOSIT RATIO(HY)
Lowest at 111.97%
OPERATING PROFIT(Q)
Lowest at USD -3.51 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -14.02 %
PRE-TAX PROFIT(Q)
Lowest at USD -3.51 MM
NET PROFIT(Q)
Lowest at USD -3.51 MM
EPS(Q)
Lowest at USD -0.17
Here's what is working for Blue Foundry Bancorp
NII
Highest at USD 12.81 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 25.02 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Here's what is not working for Blue Foundry Bancorp
Non Performing Loans (%)
Highest at 0.67%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Operating Profit
Lowest at USD -3.51 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (USD MM)
Operating Profit Margin
Lowest at -14.02 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at USD -3.51 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Pre-Tax Profit
Fallen at -30.55%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Net Profit
Lowest at USD -3.51 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
Net Profit
Fallen at -30.55%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
EPS
Lowest at USD -0.17
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
Credit Deposit Ratio
Lowest at 111.97%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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