Blue Foundry Bancorp's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Blue Foundry Bancorp (BLFY) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Blue Foundry Bancorp vs Its Competitors
- TTM: Trailing 12-month revenue of 47M vs 152,652M combined for tracked competitors (0.0% combined share).
- Trending: Latest-quarter revenue run-rate is accelerating (+5.7% annualized vs trailing 12 months), vs holding steady (+0.4%) for its tracked peer group.
- Growth: Blue Foundry Bancorp generated 22.8% revenue growth year over year in Q4 2025, vs 6.8% for its tracked competitors combined.
- Profitability: Its 0.0% net margin compares with 37.3% for the peer group.
- Peer revenue share: Blue Foundry Bancorp accounted for 0.0% of combined revenue among its tracked peer group, up from 0.0% a year earlier.
- Peer differentiation: Revenue per employee of $0.25M compares with $0.40M for the peer group (0.6x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
BLFY Sales vs. its Competitors, Q4 2025
Blue Foundry Bancorp reported revenue growth of 22.81 % year on year in Q4 2025, above its competitors' combined revenue growth of 6.83 %.
With a net margin of 0.00 %, Blue Foundry Bancorp reported lower profitability than its competitors (37.29 %).
Blue Foundry Bancorp generated 0.03 % of the combined sales of its peer group, up from 0.03 % a year earlier.
Blue Foundry Bancorp vs. its Competitors, Q4 2025
Revenue growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Blue Foundry Bancorp and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Blue Foundry Bancorp | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| High-Confidence Competitors (5) | $12,345M | +12.3% · Accelerating |
| Similar Growth & Profitability (1) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Blue Foundry Bancorp's competitor groups requires a Commercial License.
For context: the Regional Banks industry grew revenue 7.8% year over year, combined, vs 22.8% for Blue Foundry Bancorp. Blue Foundry Bancorp's share of combined industry revenue moved from 0.01% to 0.01%, a gain of 0.00 percentage points.
Blue Foundry Bancorp's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Blue Foundry Bancorp | - | Yes | Yes | No |
| Competitors combined (5) | ||||
| High-Confidence Competitors (5) | ||||
| Similar Growth & Profitability (8) | 62.50 % (5 of 8) | 75.00 % (6 of 8) | 37.50 % (3 of 8) | 50.00 % (4 of 8) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
BLFY Stock Performance relative to its Competitors
BLFY Stock Performance relative to High-Confidence Competitors
BLFY Stock Performance relative to Similar Growth & Profitability Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Financial Institutions Inc | 282.9% | Outperformed |
| 2 | Bank Of Montreal | 282.9% | Outperformed |
| 3 | Morgan Stanley | 282.9% | Outperformed |
| 4 | Bank Bradesco | 282.9% | Outperformed |
| 5 | Wells Fargo and Company | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Blue Foundry Bancorp's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Blue Foundry Bancorp's Comment on Competition and Industry Peers
Publicly Traded Peers of Blue Foundry Bancorp
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Blue Foundry Bancorp | 260.12 | 46.94 |
| Morgan Stanley | 291,606.50 | 68,350.00 |
| Wells Fargo and Company | 244,953.38 | 83,940.00 |
| Bank Of Montreal | 120,966.41 | 25,908.94 |
| Bank Bradesco | 18,725.97 | 118.96 |
| Financial Institutions Inc | 777.30 | 243.46 |
| SUBTOTAL | 677,289.68 | 178,608.30 |
Sources: Blue Foundry Bancorp's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Blue Foundry Bancorp versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Blue Foundry Bancorp's Competitors Named by the Company
Competitive relationships identified from SEC filings and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Wells Fargo | Named by the company | 85% |
| Citi | Named by the company | 85% |
| PNC Bank | Named by the company | 85% |
| JP Morgan Chase | Named by the company | 85% |
| Bank of America | Named by the company | 85% |
| TD Bank | Named by the company | 85% |
| M&T Bank | Named by the company | 85% |
| Bank Of Montreal | Named by the company | 85% |
| Financial Institutions Inc | Named by the company | 85% |
| Bank Bradesco | Named by the company | 85% |
| Morgan Stanley | Named by the company | 85% |
Filing basis, confidence, active dates and source counts for Blue Foundry Bancorp's named competitors require a Commercial License.
Methodology: relationships are extracted from SEC filings (named-competitor disclosures) and corroborating sources. Named by the company = explicitly disclosed as a competitor; Inferred = derived from corroborating signals. Confidence reflects evidence strength.
Blue Foundry Bancorp's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Blue Foundry Bancorp | 260 | 248,381 | 6,550 |
| Morgan Stanley | 291,606 | 823,494 | 245,422 |
| Wells Fargo and Company | 244,953 | 351,213 | 95,100 |
| Bank Of Montreal | 120,966 | 575,754 | 138,486 |
| Bank Bradesco | 18,726 | 1,449 | 52,215 |
| Financial Institutions Inc | 777 | 385,837 | 130,945 |
| PEERS TOTAL | 677,030 | 397,045 | 119,406 |
Blue Foundry Bancorp's Position in Industry Market Structure
Market-capitalization share and concentration across all 198 companies in Blue Foundry Bancorp's industry classification, broader than the peer set above. Market cap in millions of $.Blue Foundry Bancorp ranks #0 of 198 companies by market capitalization in its industry, holding 0.00 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 523, indicating a unconcentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Bank Of Nova Scotia | 112,460 | 14.87 % |
| 2 | Deutsche Bank Aktiengesellschaft | 72,024 | 9.53 % |
| 3 | State Street Corp | 49,071 | 6.49 % |
| 4 | Ita Unibanco Holding S a | 47,919 | 6.34 % |
| 5 | Fifth Third Bancorp | 1,234 | 5.2% |
| 6 | M and t Bank Corporation | 1,234 | 5.2% |
| 7 | Northern Trust Corporation | 1,234 | 5.2% |
| 8 | Citizens Financial Group Inc | 1,234 | 5.2% |
| 9 | First Citizens Bancshares Inc | 1,234 | 5.2% |
| 10 | Bank Bradesco | 1,234 | 5.2% |
| 0 | Blue Foundry Bancorp | 257 | 0.00 % |
Market cap and industry share for the rest of Blue Foundry Bancorp's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-04-01.
Blue Foundry Bancorp's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Regional Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (130 companies). See the full Regional Banks industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | 27.45 % | 64.14 % (avg) | -36.7 pp |
| Operating Margin | -21.36 % | industry median | -56.8 pp |
| EBITDA Margin | 56.78 % | 49.90 % (avg) | +6.9 pp |
| Capital Intensity (Capex / Revenue) | - | 3.18 % (avg) | - |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Blue Foundry Bancorp's Valuation vs Competitive Position
Valuation multiples vs the Regional Banks industry average (130 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Regional Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | - | 15.6x | - |
| EV / EBITDA | 6.7x | 6.2x | +0.5x |
| P/B | 0.7x | 1.3x | -0.6x |
| Return on Equity | - | industry aggregate | - |
| Return on Invested Capital | -0.98 % | 3.20 % (avg) | -4.18 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Blue Foundry Bancorp's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue Growth | - | - | -20.43 % | -10.92 % | 19.32 % |
| Operating Margin | - | 4.93 % | -16.75 % | -34.08 % | -21.36 % |
| Return on Invested Capital | - | 0.16 % | -0.30 % | -0.67 % | -0.98 % |
| P/E | - | - | - | - | - |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Blue Foundry Bancorp's Strategic Group Map
Every company in Blue Foundry Bancorp's industry and named-competitor list, plotted by trailing 12-month revenue growth and operating margin. Blue Foundry Bancorp is shown in red; its closest peers by combined growth, margin and ROIC (the Similar Growth & Profitability group above) are labeled.
Source: CSIMarket API, trailing 12 months. Extreme outlier values (from near-zero-revenue companies) are excluded from the plotted cloud but never from the highlighted company or its labeled peers.
Blue Foundry Bancorp's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 523 (see Industry Market Structure & Concentration above) |
| Supplier Power | Not covered on this page | See Blue Foundry Bancorp's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Blue Foundry Bancorp's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Blue Foundry Bancorp's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Blue Foundry Bancorp falls in the Medium attractiveness / High strength cell: Invest / Grow.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Blue Foundry Bancorp's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Latest-quarter revenue run-rate is accelerating (+5.7% annualized vs trailing 12 months).
- Outperforming the U.S.A. 500 over the trailing 12 months.
Weaknesses
- Operating margin 56.8 points below the industry median.
Opportunities
- Industry revenue growing at a healthy 12.3% median pace.
Threats
No rule matched.
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Blue Foundry Bancorp's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Blue Foundry Bancorp | 0.03 | 0.04 | - |
| Morgan Stanley | 0.40 | 1.12 | 3.16 |
| Wells Fargo and Company | 0.11 | 0.80 | 1.41 |
| Bank Of Montreal | 1,056.86 | 13,402.64 | - |
| Bank Bradesco | 90.31 | 6.18 | - |
| Financial Institutions Inc | 0.01 | 1.33 | 0.37 |
Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Blue Foundry Bancorp's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Blue Foundry Bancorp | Q4 2025 | +22.8 % | - |
| Morgan Stanley | Q2 2026 | -30.6 % | +58.1 % |
| Wells Fargo and Company | Q2 2026 | +14.2 % | +21.6 % |
| Bank Of Montreal | Q3 2025 | +7.5 % | +15.7 % |
| Bank Bradesco | Q4 2025 | -71.8 % | +31.1 % |
| Financial Institutions Inc | Q2 2026 | +7.0 % | +20.8 % |
| PEERS TOTAL | -1.3 % | +28.9 % |
Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Blue Foundry Bancorp's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Blue Foundry Bancorp | Q4 2025 | - | - |
| Morgan Stanley | Q2 2026 | - | +7.3 % |
| Wells Fargo and Company | Q2 2026 | -16.2 % | - |
| Bank Of Montreal | Q3 2025 | - | - |
| Bank Bradesco | Q4 2025 | -9.8 % | +110.2 % |
| Financial Institutions Inc | Q2 2026 | +21.3 % | -46.9 % |
Blue Foundry Bancorp's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Blue Foundry Bancorp | 0.06% | 0.17% | 0.39% |
| Morgan Stanley | 1.35% | 1.95% | 17.85% |
| Wells Fargo and Company | 1.05% | 2.94% | 12.48% |
| Bank Of Montreal | 0.59% | 0.42% | 9.91% |
| Bank Bradesco | 1.01% | 0.97% | 13.12% |
| Financial Institutions Inc | 1.31% | 3.75% | 13.09% |
ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Blue Foundry Bancorp's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Blue Foundry Bancorp | - | 5.54 |
| Morgan Stanley | 15.04 | 4.27 |
| Wells Fargo and Company | 11.65 | 2.92 |
| Bank Of Montreal | 22.96 | 4.67 |
| Bank Bradesco | 0.79 | 157.42 |
| Financial Institutions Inc | 9.53 | 3.19 |
| PEERS AVERAGE | 12.61 | 3.79 |
P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.