The earnings call highlighted several strong financial metrics, including growth in core deposits, an improved net interest margin, and a strong capital position. However, these positive aspects were tempered by the reporting of a net loss and increased nonperforming assets. While the overall outlook suggests some optimism, particularly with expected margin improvements in 2026, the immediate challenges and losses create a balanced sentiment.

Company Guidance

During Blue Foundry Bancorp's second quarter 2025 earnings call, the company reported a net loss of $2 million or $0.10 per diluted share, with a $735,000 improvement compared to the previous quarter. The bank achieved approximately 3% loan growth, supported by $29 million in deposit growth, including a nearly 4% increase in core deposits. The net interest margin expanded by 12 basis points, aided by an 8 basis point increase in loan yield and a 13 basis point reduction in deposit costs. Year-to-date loan production totaled $180 million, with $90 million produced in the second quarter at a weighted average yield of 7%. The bank's tangible book value per share increased to $14.87, up $0.06 from the prior quarter, and the tangible equity to tangible common assets ratio was among the highest in the industry at 15.1%. The allowance for credit losses to total loans was 80 basis points, and nonperforming assets to total assets increased by 3 basis points. The bank repurchased 406,000 shares at a weighted average price of $9.42, a significant discount to its tangible book value. The bank remains focused on portfolio diversification and enhancing shareholder value through disciplined capital management.

Core Deposits and Net Interest Margin Growth

Core deposits grew by approximately 4%, contributing to a 12 basis point expansion in the net interest margin for the third consecutive quarter.

Loan Portfolio Improvements

The bank achieved 3% loan growth, with an 8 basis point improvement in loan yield. Loan production year-to-date was $180 million, with $90 million produced during the second quarter at a yield of 7%.

Shareholder Value Enhancement

Tangible book value per share increased by $0.06 to $14.87, and 406,000 shares were repurchased at a significant discount to tangible book value.

Strong Capital Position

The bank remains well-capitalized, with a tangible equity to tangible common assets ratio of 15.1%, one of the highest in the industry.

Blue Foundry (BLFY) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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BLFY Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 22, 2025	2025 (Q3)	-0.10 / -	-0.19	―	―	―
Jul 30, 2025	2025 (Q2)	-0.12 / -0.10	-0.11	9.09% (<+0.01)	―
Apr 30, 2025	2025 (Q1)	-0.17 / -0.13	-0.13	0.00% (0.00)	―
Jan 29, 2025	2024 (Q4)	-0.17 / -0.13	-0.13	0.00% (0.00)	―
Oct 23, 2024	2024 (Q3)	-0.17 / -0.19	-0.06	-216.67% (-0.13)	―
Jul 24, 2024	2024 (Q2)	-0.21 / -0.11	-0.08	-37.50% (-0.03)	―
Apr 24, 2024	2024 (Q1)	-0.21 / -0.13	-0.05	-160.00% (-0.08)	―
Jan 24, 2024	2023 (Q4)	-0.14 / -0.13	0.02	-750.00% (-0.15)	―
Oct 25, 2023	2023 (Q3)	-0.12 / -0.06	0.05	-220.00% (-0.11)	―
Jul 26, 2023	2023 (Q2)	-0.11 / -0.08	0.002	-4100.00% (-0.08)	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

BLFY Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 30, 2025	$8.82	$8.70	-1.36%
Apr 30, 2025	$9.49	$9.34	-1.58%
Jan 29, 2025	$9.79	$9.78	-0.10%
Oct 23, 2024	$10.04	$9.91	-1.29%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Blue Foundry (BLFY) report earnings?

Blue Foundry (BLFY) is schdueled to report earning on Oct 22, 2025, Before Open (Confirmed).

What is Blue Foundry (BLFY) earnings time?

Blue Foundry (BLFY) earnings time is at Oct 22, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is BLFY EPS forecast?

BLFY EPS forecast for the fiscal quarter 2025 (Q3) is -0.1.

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