NASDAQ$BLFY

Blue Foundry Bancorp · Q2 2025 earnings

Q2 2025 earnings · · Before market open · Investor relations

Briefing

Blue Foundry Bancorp reported Q2 2025 revenue of $216.0M, a net loss of $2.0M, diluted EPS of $-0.10.

For Q2 2025, Blue Foundry Bancorp reported Revenue was $216.0M, net loss was $2.0M, diluted EPS was $-0.10. Management discusses segment trends, liquidity, and outlook in the quarterly filing.

  • Revenue $216.0M for Q2 2025.
  • Net loss $2.0M.
  • Diluted EPS $-0.10.

Headline financials

Total Revenue

$12M

Previous: $10.1M+19.2%
EPS (adj)

-$0.10

Previous: -$0.11+9.1%
Net interest margin

2.3%

No prior period
Efficiency ratio

112.4%

No prior period
ACL to total loans

0.8%

No prior period
Non-performing loans to total loans

0.4%

No prior period
ACL to non-performing loans

211.8%

No prior period
Loss on average assets

-0.4%

No prior period
Loss on average equity

-2.4%

No prior period
Interest rate spread

1.8%

No prior period
Tangible equity to tangible assets

15.1%

No prior period
Book value per share

$14.88

No prior period
Tangible book value per share

$14.87

No prior period
Non-performing assets to total assets

0.3%

No prior period
Net Income

-$1.96M

Previous: -$2.34M+16.5%
Operating Income

-$1.49M

Previous: -$5.64M+73.5%

Revenue & EPS history

Blue Foundry · Revenue · Quarterly

$12M

Q2 2025+19.2%vs Q2 2024
Beat estimate in 12 of 15 quarters(80%)
ActualEstimate

Revenue by segment

Blue Foundry · $1.58B total across 7 segments · Q2 2023

  • Multifamily
    $697M+20.3%
  • Residential
    $580M-1.7%
  • Commercial real estate
    $237M+12.1%
  • Construction
    $36M+71.5%
  • Junior liens
    $21.3M+29.9%
  • Commercial and industrial
    $9.74M+63.6%
  • Consumer and other
    $33K-29.8%

Forward guidance

Outlook emphasizes path to profitability, liquidity, and cost discipline.

Tailwinds

  • Operating initiatives and partnership milestones.
  • Cash runway and restructuring progress.

Headwinds

  • Operating losses and financing needs.
  • Competitive and regulatory uncertainty.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 16 quarterly earnings reports · overlaid with Q2 2025

Historical avgQ2 2025

+0.1%

Avg return

Earnings day

+0.0%

Avg return

5 days after

+3.5%

Avg return

30 days after

39%

7 / 18 earnings

Positive

+3.9%

Q4 2023

Best reaction

-6.1%

Q4 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q4 2025+0.6%+3.4%
Q3 2025-1.6%-4.4%+27.6%
Q2 2025-1.6%-3.6%+5.3%
Q1 2025-1.6%+5.2%-4.5%
Q3 2024-1.8%-0.4%+12.5%
Q2 2024+1.7%+0.9%-2.5%
Q1 2024-0.7%+0.7%+8.5%
Q4 2023+3.9%+5.5%-5.1%
Q3 2023+2.0%-1.6%+15.2%
Q2 2023+2.5%+1.8%-5.5%
Q1 2023-0.2%-5.7%-3.9%
Q4 2022-6.1%-6.1%-2.7%
Q3 2022+2.8%+4.5%+10.6%
Q2 2022-0.6%-1.1%-3.2%
Q1 2022+3.4%+1.4%-3.9%
Q4 2021-0.1%+1.0%-4.1%
Q3 2021-0.4%-0.6%+7.9%
Q2 2021-0.6%-0.6%+7.1%
Q1 2021
Q4 2020
Q3 2020
Q2 2020
Q1 2020

Discussion

Share your read of this quarter. Sign-in carries your eToro identity.

Join the conversation

Sign in with eToro to post your read of this quarter and vote on others'.

Sign in with eToro