The earnings call highlighted several positive developments, such as growth in core deposits, loan portfolio diversification, and a strong capital position. However, the company also reported a net loss and an increase in nonperforming assets. Although there are challenges, the progress in strategic objectives presents a balanced outlook.

Company Guidance -

Q3 2025

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, marking an improvement of $735,000 from the previous quarter. The call highlighted a 12 basis point expansion in net interest margin, driven by a 3% growth in loans and an 8 basis point increase in loan portfolio yield. Core deposits grew by almost 4%, contributing to a total deposit growth of $29 million and a 13 basis point reduction in deposit costs. Loan production year-to-date reached $180 million, with substantial contributions from commercial and industrial loans, construction loans, and credit-enhanced consumer loans. The tangible book value per share increased to $14.87, and the company repurchased 406,000 shares at an average price of $9.42. Blue Foundry remains committed to enhancing shareholder value through disciplined capital management, maintaining a strong capital position with a tangible equity to tangible common assets ratio of 15.1%. The focus on portfolio diversification and strategic client engagement has supported growth in core deposits and efficient funding sources, aligning with long-term value creation goals.

Core Deposit Growth and Net Interest Margin Expansion

Core deposits grew by nearly 4%, contributing to a 12 basis point expansion in net interest margin, marking the third consecutive quarter of growth.

Loan Portfolio Diversification and Growth

Achieved approximately 3% loan growth during the quarter, with significant increases in commercial and industrial loans ($22 million) and construction loans ($12 million).

Tangible Book Value and Share Repurchase

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

Interest Income and Expense Management

Net interest income increased by $896,000 (8.3%), with interest income expanding by $725,000 and interest expense declining by $171,000.

Strong Capital Position

Tangible equity to tangible common assets at 15.1%, among the highest in the industry, supporting balance sheet and income growth.

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

Daily Earnings Calendar >

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 Bancorp (BLFY) report earnings?

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

What is Blue Foundry Bancorp (BLFY) earnings time?

Blue Foundry Bancorp (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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