BLFY Relative Valuation
BLFY's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, BLFY is overvalued; if below, it's undervalued.
Historical Valuation
Blue Foundry Bancorp (BLFY) is now in the Fair zone, suggesting that its current forward PS ratio of 4.28 is considered Fairly compared with the five-year average of -270.42. The fair price of Blue Foundry Bancorp (BLFY) is between 6.40 to 16.65 according to relative valuation methord.
Relative Value
Fair Zone
6.40-16.65
Current Price：12.87
Fair
-50.04
PE
1Y
3Y
5Y
0.00
EV/EBITDA
Blue Foundry Bancorp. (BLFY) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.
0.00
EV/EBIT
Blue Foundry Bancorp. (BLFY) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.
4.28
PS
Blue Foundry Bancorp. (BLFY) has a current PS of 4.28. The 5-year average PS is 4.33. The thresholds are as follows: Strongly Undervalued below 0.07, Undervalued between 0.07 and 2.20, Fairly Valued between 6.46 and 2.20, Overvalued between 6.46 and 8.59, and Strongly Overvalued above 8.59. The current Forward PS of 4.28 falls within the Historic Trend Line -Fairly Valued range.
0.00
P/OCF
Blue Foundry Bancorp. (BLFY) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.
0.00
P/FCF
Blue Foundry Bancorp. (BLFY) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.
Blue Foundry Bancorp (BLFY) has a current Price-to-Book (P/B) ratio of 0.75. Compared to its 3-year average P/B ratio of 0.61 , the current P/B ratio is approximately 23.35% higher. Relative to its 5-year average P/B ratio of 0.64, the current P/B ratio is about 17.77% higher. Blue Foundry Bancorp (BLFY) has a Forward Free Cash Flow (FCF) yield of approximately -1.23%. Compared to its 3-year average FCF yield of -2.46%, the current FCF yield is approximately -49.80% lower. Relative to its 5-year average FCF yield of -3.59% , the current FCF yield is about -65.61% lower.
0.75
P/B
Median3y
0.61
Median5y
0.64
-1.23
FCF Yield
Median3y
-2.46
Median5y
-3.59
Competitors Valuation Multiple
The average P/S ratio for BLFY's competitors is 1.59, providing a benchmark for relative valuation. Blue Foundry Bancorp Corp (BLFY) exhibits a P/S ratio of 4.28, which is 169.6% above the industry average. Given its robust revenue growth of 33.88%, this premium appears sustainable.
Performance Decomposition
1Y
3Y
5Y
Market capitalization of BLFY increased by 32.00% over the past 1 year. The primary factor behind the change was an decrease in P/E Change from -16.72 to -27.35.
The secondary factor is the Revenue Growth, contributed 33.88%to the performance.
Overall, the performance of BLFY in the past 1 year is driven by P/E Change. Which is more unsustainable.
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Frequently Asked Questions
Is Blue Foundry Bancorp (BLFY) currently overvalued or undervalued?
Blue Foundry Bancorp (BLFY) is now in the Fair zone, suggesting that its current forward PS ratio of 4.28 is considered Fairly compared with the five-year average of -270.42. The fair price of Blue Foundry Bancorp (BLFY) is between 6.40 to 16.65 according to relative valuation methord.
What is Blue Foundry Bancorp (BLFY) fair value?
BLFY's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Blue Foundry Bancorp (BLFY) is between 6.40 to 16.65 according to relative valuation methord.
How does BLFY's valuation metrics compare to the industry average?
The average P/S ratio for BLFY's competitors is 1.59, providing a benchmark for relative valuation. Blue Foundry Bancorp Corp (BLFY) exhibits a P/S ratio of 4.28, which is 169.60% above the industry average. Given its robust revenue growth of 33.88%, this premium appears sustainable.
What is the current P/B ratio for Blue Foundry Bancorp (BLFY) as of Jan 07 2026?
As of Jan 07 2026, Blue Foundry Bancorp (BLFY) has a P/B ratio of 0.75. This indicates that the market values BLFY at 0.75 times its book value.
What is the current FCF Yield for Blue Foundry Bancorp (BLFY) as of Jan 07 2026?
As of Jan 07 2026, Blue Foundry Bancorp (BLFY) has a FCF Yield of -1.23%. This means that for every dollar of Blue Foundry Bancorp’s market capitalization, the company generates -1.23 cents in free cash flow.
What is the current Forward P/E ratio for Blue Foundry Bancorp (BLFY) as of Jan 07 2026?
As of Jan 07 2026, Blue Foundry Bancorp (BLFY) has a Forward P/E ratio of -50.04. This means the market is willing to pay $-50.04 for every dollar of Blue Foundry Bancorp’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for Blue Foundry Bancorp (BLFY) as of Jan 07 2026?
As of Jan 07 2026, Blue Foundry Bancorp (BLFY) has a Forward P/S ratio of 4.28. This means the market is valuing BLFY at $4.28 for every dollar of expected revenue over the next 12 months.