NASDAQ$BLFY

Blue Foundry Bancorp · Q3 2021 earnings

Q3 2021 earnings · · Investor relations

Briefing

Blue Foundry Bancorp reported a net loss for the third quarter of 2021, which included one-time pre-tax expenses related to a pension withdrawal, a charitable contribution, and prepayment of borrowings.

Blue Foundry Bancorp reported a net loss of $14.97 million for the third quarter of 2021. The results include one-time pre-tax expenses of $19.6 million. Total assets increased to $2.02 billion.

  • Reported a net loss of $14.97 million, or $0.68 per diluted common share, for the three months ended September 30, 2021.
  • Third quarter results include one-time pre-tax expenses of $19.6 million.
  • Total assets increased $81.8 million, or 4.2%, to $2.02 billion at September 30, 2021.
  • Net interest margin increased by 16 basis points to 2.15% for the quarter ended September 30, 2021, from 1.99% for the trailing quarter.

Headline financials

Total Revenue

$11.6M

Previous: $10.2M+13.2%
EPS (adj)

-$0.68

Previous: -$0.06-1034.3%
Net interest margin

2.1%

Previous: 2.1%+4.4%
Efficiency ratio

285.7%

No prior period
ACL to total loans

1.2%

No prior period
Non-performing loans to total loans

1.0%

No prior period
Capital Expenditures

-$9.7M

No prior period
Free Cash Flow

-$24.7M

No prior period
Net Income

-$15M

Previous: -$1.67M-799.1%
Operating Income

$10.2M

Previous: $2.75M+272.8%
Gross Profit

$11.3M

Previous: $10.2M+9.9%
Cash & Equivalents

$324M

No prior period
Total Assets

$2.02B

No prior period

Revenue & EPS history

Blue Foundry · Revenue · Quarterly

$11.6M

Q3 2021+13.2%vs Q3 2020
Beat estimate in 9 of 11 quarters(82%)
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

Blue Foundry has executed initiatives to ensure the long term stability and eventual profitability of the Company.

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 Q3 2021

Historical avgQ3 2021

+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

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