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 145,377M combined for its competitors (0.0% combined share).
- Trending: Latest-quarter revenue run-rate is accelerating (+5.7% annualized vs trailing 12 months), vs accelerating (+5.4%) 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 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 $0.38M for the peer group (0.7x).
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.
API endpoints for this dataset
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 Blue Foundry Bancorp reports; 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 |
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 6.8% 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
Group definitions: see Methodology: Performance Group Definitions.
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Blue Foundry Bancorp | - | Yes | Yes | Yes |
| Competitors combined (5) | ||||
| High-Confidence Competitors (5) |
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
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Bank Of Montreal | 282.9% | Outperformed |
| 2 | Financial Institutions Inc | 282.9% | Outperformed |
| 3 | Morgan Stanley | 282.9% | Outperformed |
| 4 | Wells Fargo and Company | 282.9% | Outperformed |
| 5 | Bank Bradesco | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Blue Foundry Bancorp's best-performing 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 |
293,014.26 | 59,960.00 |
 Wells Fargo and Company |
260,872.74 | 85,055.00 |
 Bank Of Montreal |
125,906.32 | 25,908.94 |
 Bank Bradesco |
13,931.91 | 118.96 |
 Financial Institutions Inc |
802.03 | 243.46 |
| SUBTOTAL | 694,787.38 | 171,333.30 |
Sources: see Methodology: Peer & Competitor Identification, Sourcing.
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 Blue Foundry Bancorp reports and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Wells Fargo | Company report | 85% |
| M&T Bank | Company report | 85% |
| Citi | Company report | 85% |
| PNC Bank | Company report | 85% |
| JP Morgan Chase | Company report | 85% |
| Bank of America | Company report | 85% |
| TD Bank | Company report | 85% |
| Morgan Stanley | Company report | 85% |
| Bank Of Montreal | Company report | 85% |
| Financial Institutions Inc | Company report | 85% |
| Bank Bradesco | Company report | 85% |
| Highlands Bancorp, Inc. | Company report | 85% |
| Parke Bancorp Inc | Company report | 85% |
| Unity Bancorp inc | Company report | 85% |
| Princeton Bancorp Inc | Company report | 85% |
| Flagstar Bank National Association | Company report | 85% |
| Metropolitan Bank Holding Corp | Company report | 85% |
| Two River Bancorp | Company report | 85% |
| Bancorp Of New Jersey, Inc. | Company report | 85% |
| Connectone Bancorp Inc | Company report | 85% |
| Investors Bancorp Inc | Company report | 85% |
| Sb One Bancorp | Company report | 85% |
| Bogota Financial Corp | Company report | 85% |
| Republic First Bancorp Inc | Company report | 85% |
| Oritani Financial Corp | Company report | 85% |
| Tristate Capital Holdings Inc | Company report | 85% |
| Beneficial Bancorp Inc. | Company report | 85% |
| Customers Bancorp Inc | Company report | 85% |
| Lakeland Bancorp Inc | Company report | 85% |
| Sr Bancorp Inc | Company report | 85% |
| Cape Bancorp, Inc. | Company report | 85% |
Company report basis, confidence, active dates and source counts for Blue Foundry Bancorp's named competitors require a Commercial License.
Methodology: see Methodology: Peer & Competitor Identification, Sourcing.
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 | 293,014 | 722,410 | 248,482 |
| Wells Fargo and Company | 260,873 | 355,879 | 96,699 |
| Bank Of Montreal | 125,906 | 575,754 | 138,486 |
| Bank Bradesco | 13,932 | 1,449 | 52,215 |
| Financial Institutions Inc | 802 | 385,837 | 130,945 |
| PEERS TOTAL | 694,527 | 380,868 | 120,820 |
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 519, indicating a unconcentrated market structure (see Methodology: Market Structure & Concentration).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Bank Of Nova Scotia | 115,555 | 14.99 % |
| 2 | Deutsche Bank Aktiengesellschaft | 73,389 | 9.52 % |
| 3 | Fifth Third Bancorp | 49,792 | 6.46 % |
| 4 | State Street Corp | 48,028 | 6.23 % |
| 5 | Ita Unibanco Holding S a | 1,234 | 5.2% |
| 6 | Northern Trust Corporation | 1,234 | 5.2% |
| 7 | M and t Bank Corporation | 1,234 | 5.2% |
| 8 | Citizens Financial Group Inc | 1,234 | 5.2% |
| 9 | First Citizens Bancshares Inc | 1,234 | 5.2% |
| 10 | East West Bancorp inc | 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 (2 companies). See the full Regional Banks industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 56.54 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 56.78 % | 50.49 % (avg) | +6.3 pp |
| Capital Intensity (Capex / Revenue) | 0.00 % | 1.38 % (avg) | -1.4 pp |
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 (2 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 | - | - | - |
| EV / EBITDA | 5.6x | - | - |
| P/B | 0.6x | - | - |
| Return on Equity | - | industry aggregate | - |
| Return on Invested Capital | -0.98 % | 4.16 % (avg) | -5.14 % |
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 company reports.| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue Growth | - | - | -20.43 % | -10.92 % | 19.32 % |
| Operating Margin | - | 4.93 % | - | - | - |
| 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 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 519 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of 0.00 % vs industry average 1.38 % (see Profitability & Cost Structure above) |
Note: see Methodology: Porter's Five Forces. Supplier power and buyer power are covered on Blue Foundry Bancorp's dedicated Suppliers and Customers pages, not here.
Blue Foundry Bancorp's Industry Attractiveness & Competitive Strength
See Methodology: GE/McKinsey Matrix for how the two axes are built.
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
- Piotroski F-Score of 2 or below, the standard financial-distress signal.
Opportunities
- Industry revenue growing at a healthy 11.8% median pace.
- A meaningful share of competitors (40.00 %) show financial-distress signals, a possible opening to gain share.
Threats
No rule matched.
Methodology: see Methodology: SWOT Analysis.
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 | 0.37 | 1.12 | 3.24 |
| Wells Fargo and Company | 0.11 | 0.80 | 1.16 |
| 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 | Q3 2026 | -46.0 % | +5.5 % |
| Wells Fargo and Company | Q3 2026 | +5.4 % | +6.9 % |
| 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 | -9.1 % | +13.3 % |
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 | Q3 2026 | - | +32.5 % |
| Wells Fargo and Company | Q3 2026 | +31.5 % | - |
| 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 | 1.30% | 1.70% | 17.79% |
| Wells Fargo and Company | 1.04% | 1.23% | 12.78% |
| 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 | 14.86 | 4.89 |
| Wells Fargo and Company | 12.13 | 3.07 |
| Bank Of Montreal | 15.22 | 4.86 |
| Bank Bradesco | 0.59 | 117.12 |
| Financial Institutions Inc | 9.96 | 3.29 |
| PEERS AVERAGE | 12.79 | 4.06 |
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.