Should You Buy Blue Foundry Bancorp (BLFY) Today? Analysis, Price Targets, and 2026 Outlook.
Conclusion
Sell
Latest Price
12.850
1 Day change
-1.76%
52 Week Range
13.540
Analysis Updated At
2026/01/28
BLFY is not a good buy right now for a beginner long-term investor with $50k–$100k. While insiders are aggressively buying (a strong positive), the company is still loss-making (latest quarter EPS -0.10) and near-term price/quant signals lean slightly negative. With no supportive news flow, no clear analyst/Wall Street conviction shown in the provided data, and thin options activity (limited sentiment signal), this doesn’t meet a “buy now” threshold for impatient long-term capital.
Technical Analysis
Trend/structure is mildly bullish but momentum is weakening. Moving averages are bullish (SMA_5 > SMA_20 > SMA_200), suggesting the broader trend is constructive. However, MACD histogram is negative and expanding (-0.0346), pointing to fading momentum and increased risk of a short-term pullback. RSI(6) ~54.5 is neutral (no oversold bounce signal). Price is ~12.985, just above the pivot (12.91). Key levels: support S1 12.423 then S2 12.122; resistance R1 13.397 then R2 13.698. Pattern-based forecast provided is slightly bearish near-term (next week expected -2.74%), which reinforces a non-urgent entry.
**Intellectia Proprietary Trading Signals**
- [AI Stock Picker](module://ai_stock_pick): No signal on given stock today.
- [SwingMax](module://swingmax): No signal on given stock today.
Options Data
Bullish
Open Interest Put-Call Ratio
Bullish
Option Volume Put-Call Ratio
Options look illiquid and sentiment is hard to read from flow: call open interest is only 59 contracts and put open interest is 0, with 0 volume reported. 30D IV is elevated (~51.35) vs historical volatility (~28.97), and IV percentile is ~61, implying options are pricing meaningful uncertainty, but the lack of volume/open interest makes this a weak sentiment signal rather than a strong bullish or bearish read.
Technical Summary
Sell
4
Buy
7
Positive Catalysts
- Insiders are buying aggressively (buying amount up ~669% over the last month), often a constructive signal for longer-term outlook.
- Longer-term technical structure remains positive (bullish MA stack).
- Upcoming earnings (2026-02-04 pre-market) could serve as a catalyst if profitability trends improve.
- Revenue growth is strong YoY in the latest quarter (+33.88%).
Neutral/Negative Catalysts
- Profitability is deteriorating: 2025/Q3 net income -$1.868M (down 53.77% YoY) and EPS -0.10 (down 47.37% YoY).
- Momentum indicator is weakening (MACD negative and expanding), increasing odds of near-term downside.
- No recent news in the past week to support an upside re-rating.
- Options market is extremely thin (near-zero activity), which can reflect limited institutional attention/conviction and reduces usefulness of options sentiment.
- Hedge funds are described as neutral (no supportive positioning trend).
Financial Performance
Latest quarter: 2025/Q3. Revenue grew to $12.368M (+33.88% YoY), but profitability weakened materially: net income fell to -$1.868M (down 53.77% YoY) and EPS declined to -0.10 (down 47.37% YoY). The key takeaway is growth in revenue without translating into earnings—this is not the profile of a clean long-term compounding buy at this moment.
Growth
Profitability
Efficiency
Analyst Ratings and Price Target Trends
No analyst rating or price target change data was provided, so there’s no clear recent ‘Wall Street’ direction to lean on. Pros (based on what is available): strong revenue growth and heavy insider buying. Cons: ongoing losses and weakening earnings trend, plus limited evidence of broad institutional/analyst conviction in the provided dataset. Congress trading data: none reported in the last 90 days.
Wall Street analysts forecast BLFY stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for BLFY is 10 USD with a low forecast of 10 USD and a high forecast of 10 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
1 Analyst Rating
Wall Street analysts forecast BLFY stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for BLFY is 10 USD with a low forecast of 10 USD and a high forecast of 10 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
