Blue Foundry Bancorp (BLFY)

Blue Foundry Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Interest Income	44.05	37.55	41.92	51.84	42.95	39.07
Net Interest Income Growth	18.18%	-10.42%	-19.14%	20.71%	9.93%	-8.98%
Non-Interest Income	1.64	1.79	1.81	2.66	2.48	1.21
Non-Interest Income Growth	-15.98%	-0.61%	-32.25%	7.46%	105.38%	-53.95%
Revenues Before Loan Losses	45.68	39.34	43.72	54.51	45.43	40.28
Provision for Credit Losses	0.95	-1.35	-0.44	-1	-2.52	2.52
Revenue	44.73	40.69	44.17	55.51	47.95	37.76
Revenue Growth (YoY)	11.52%	-7.86%	-20.43%	15.77%	26.99%	-14.73%
Compensation Expenses	30.63	29.43	28.44	29.25	36.96	22.64
Selling, General & Admin	18.24	17.72	17.84	18.56	21.78	21.6
Other Non-Interest Expenses	5.07	5.45	5.28	4.97	15.93	32.89
Total Non-Interest Expense	53.94	52.61	51.56	52.77	74.67	77.13
Pretax Income	-9.2	-11.91	-7.4	2.73	-26.72	-39.37
Provision for Income Taxes	-	-	-	0.34	9.62	-7.87
Net Income	-9.2	-11.91	-7.4	2.4	-36.34	-31.51
Net Income to Common	-9.2	-11.91	-7.4	2.4	-36.34	-31.51
Shares Outstanding (Basic)	20	21	24	26	12	17
Shares Outstanding (Diluted)	20	21	24	26	12	17
Shares Change (YoY)	-8.45%	-10.23%	-8.93%	115.85%	-29.12%	17071.52%
EPS (Basic)	-0.46	-0.55	-0.31	0.09	-2.99	-1.83
EPS (Diluted)	-0.46	-0.55	-0.31	0.09	-2.99	-1.83
Shares Outstanding	20.76	22.52	24.51	27.52	28.52	0.1
Free Cash Flow	-2.91	4.92	-17.69	-2.59	-26.04	-8.55
Free Cash Flow Per Share	-0.14	0.23	-0.74	-0.10	-2.14	-0.50
Profit Margin	-20.58%	-29.27%	-16.75%	4.32%	-75.80%	-83.44%
FCF Margin	-6.51%	12.10%	-40.05%	-4.66%	-54.32%	-22.63%
EBITDA	3	3.13	2.87	2.66	2.35	1.93
EBITDA Margin	6.70%	7.68%	6.50%	4.80%	4.90%	5.10%
Effective Tax Rate	-	0.00%	0.00%	12.36%	-35.99%	19.98%

Updated Nov 13, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q