Blue Foundry Bancorp (BLFY)

Blue Foundry Bancorp Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	-	-7.4	2.4	-36.34	-31.51
Depreciation & Amortization	-	2.87	2.66	2.35	1.93
Gain (Loss) on Sale of Assets	-	0.01	-	-	14.17
Gain (Loss) on Sale of Investments	-	1.02	1.05	0.89	0.24
Total Asset Writedown	-	-	-	-	15.46
Provision for Credit Losses	-	-0.44	-1	-2.52	2.52
Net Decrease (Increase) in Loans Originated / Sold - Operating	-	0.23	-	-	-
Accrued Interest Receivable	-	-0.7	-1.52	0.38	-0.36
Change in Other Net Operating Assets	-	-13.03	-4.03	0.34	0.77
Other Operating Activities	-	1.77	1.41	19.48	-4.47
Operating Cash Flow	-	-12.12	2.78	-14.14	-1.25
Capital Expenditures	-	-5.57	-5.36	-11.9	-7.29
Sale of Property, Plant and Equipment	-	0.04	-	6.03	-
Investment in Securities	-	35.24	-38.26	-102.1	-29.29
Net Decrease (Increase) in Loans Originated / Sold - Investing	-	-15.66	-256.89	-4.66	139.15
Other Investing Activities	-	-3.74	-5.73	6.68	-1.17
Investing Cash Flow	-	10.3	-306.24	-105.33	101.39
Long-Term Debt Issued	-	2,292	1,423	583.6	621
Long-Term Debt Repaid	-	-2,205	-1,298	-727.5	-588.5
Net Debt Issued (Repaid)	-	87	125	-143.9	32.5
Issuance of Common Stock	-	-	-	250.78	-
Repurchase of Common Stock	-	-36.01	-15.35	-	-
Net Increase (Decrease) in Deposit Accounts	-	-43.96	41.82	-109.14	61.14
Other Financing Activities	-	-0.37	-0.28	-1.26	-1.37
Financing Cash Flow	-	6.66	151.19	-3.52	92.27
Net Cash Flow	-	4.84	-152.26	-123	192.41
Free Cash Flow	-	-17.69	-2.59	-26.04	-8.55
Free Cash Flow Margin	-	-40.05%	-4.66%	-54.32%	-34.20%
Free Cash Flow Per Share	-	-0.74	-0.10	-2.14	-85.45
Cash Interest Paid	-	36.31	10.71	12.84	22.57
Cash Income Tax Paid	-	0.1	0.19	0.15	0.17

Source: S&P Capital IQ. Banks template. Financial Sources.