The earnings call reflected a mixed sentiment with significant progress in core deposits, loan growth, and net interest margin, juxtaposed against a net loss and increase in nonperforming loans and operating expenses. The bank's strong capital position and strategic initiatives toward growth are positive, yet the financial losses and increased nonperforming loans highlight areas of concern.

Company Guidance

During Blue Foundry Bancorp's third-quarter 2025 earnings call, President and CEO Jim Nesci outlined several key financial metrics and strategic initiatives. The company reported a quarterly net loss of $1.9 million, with a net interest income of $12.2 million, up $551,000 from the previous quarter, driven by an expansion in net interest margin by 6 basis points to 2.34%. Deposits increased by $77.1 million, while loans grew by $41.9 million, with a notable increase in the commercial real estate and consumer loan portfolios. The bank's tangible book value per share rose to $15.14, supported by share repurchases totaling 837,000 shares at an average price of $9.09 per share. Liquidity and capital remained robust, with $423 million in borrowing capacity and $178 million in unencumbered securities. The allowance for credit loss stood at 0.81% of gross loans, while total nonperforming loans increased to $11.4 million. As part of its strategic focus, the bank aims to enhance its net interest margin through anticipated downward rate movements and repricing in its loan portfolio.

Growth in Core Deposits and Loans

Core deposits increased by $77.1 million, and loans grew by $41.9 million, including significant growth in commercial real estate and consumer loan portfolios.

Net Interest Margin Expansion

Net interest margin expanded by 6 basis points to 2.34%, supported by a 9 basis point increase in asset yields and a 4 basis point reduction in the cost of liabilities.

Strong Capital Position

Tangible equity to tangible assets stood at 14.58%, with capital ratios among the highest in the industry.

Increase in Tangible Book Value

Tangible book value per share increased to $15.14, and over 837,000 shares were repurchased at a weighted average price below tangible book value.

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
Jan 28, 2026	2025 (Q4)	-0.09 / -	-0.13	―	―	―
Oct 29, 2025	2025 (Q3)	-0.10 / -0.10	-0.19	47.37% (+0.09)	―
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)	―

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
Oct 29, 2025	$8.62	$8.56	-0.70%
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%

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 Jan 28, 2026, Before Open (Confirmed).

What is Blue Foundry (BLFY) earnings time?

Blue Foundry (BLFY) earnings time is at Jan 28, 2026, 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 (Q4) is -0.09.

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