What is Blue Foundry Ban's earnings per share (EPS)?

Blue Foundry Ban (BLFY) reported diluted earnings per share of $-0.51 for fiscal year 2025. This represents a 7.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Blue Foundry Ban Financials

BLFY

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE March

This page shows Blue Foundry Ban (BLFY) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 6 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Piotroski F-Score Weak

3/9

Blue Foundry Ban passes 3 of 9 financial strength tests. 2 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Low Quality

0.80x

For every $1 of reported earnings, Blue Foundry Ban generates $0.80 in operating cash flow (-$8.0M OCF vs -$10.0M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

Key Financial Metrics

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Earnings & Revenue

Revenue

$648K

YoY-99.2%

5Y CAGR-59.8%

Blue Foundry Ban generated $648K in revenue in fiscal year 2025. This represents a decrease of 99.2% from the prior year.

EBITDA

N/A

Net Income

-$10.0M

YoY+15.8%

Blue Foundry Ban reported -$10.0M in net income in fiscal year 2025. This represents an increase of 15.8% from the prior year.

EPS (Diluted)

$-0.51

YoY+7.3%

Blue Foundry Ban earned $-0.51 per diluted share (EPS) in fiscal year 2025. This represents an increase of 7.3% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$53.1M

YoY+25.0%

5Y CAGR-30.0%

Blue Foundry Ban held $53.1M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

19M

YoY-15.1%

Blue Foundry Ban had 19M shares outstanding in fiscal year 2025. This represents a decrease of 15.1% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

-1547.1%

YoY-1533.1pp

5Y CAGR-1495.9pp

Blue Foundry Ban's net profit margin was -1547.1% in fiscal year 2025, showing the share of revenue converted to profit. This is down 1533.1 percentage points from the prior year.

Return on Equity

-3.2%

YoY+0.4pp

5Y CAGR+12.1pp

Blue Foundry Ban's ROE was -3.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.4 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$16.3M

YoY-16.2%

Blue Foundry Ban spent $16.3M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 16.2% from the prior year.

Capital Expenditures

N/A

BLFY Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$648K-99.2%	$85.5M+8.0%	$79.1M+26.7%	$62.4M+11.3%	$56.1M-9.0%	$61.6M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$31.9M	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$47.9M0.0%	$47.9M+28.8%	$37.2M+251.8%	$10.6M-19.3%	$13.1M-41.9%	$22.6M
Income Tax	N/A	$0	$0-100.0%	$338K-96.5%	$9.6M+222.3%	-$7.9M
Net Income	-$10.0M+15.8%	-$11.9M-61.0%	-$7.4M-408.7%	$2.4M+106.6%	-$36.3M-15.3%	-$31.5M
EPS (Diluted)	$-0.51+7.3%	$-0.55-77.4%	$-0.31-444.4%	$0.09+103.0%	$-2.99	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$24.1M+3.0%	$23.4M+3.2%	$22.7M+4.3%	$21.8M+1.2%	$21.5M+1.1%	$21.3M+2.2%	$20.8M+2.5%	$20.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$11.9M+1.2%	$11.8M-1.4%	$12.0M-2.8%	$12.3M-1.1%	$12.4M+6.2%	$11.7M+2.6%	$11.4M+2.6%	$11.1M
Income Tax	$0	$0	$0	$0	$0	$0	$0	$0
Net Income	-$1.9M+4.5%	-$2.0M+27.3%	-$2.7M-0.2%	-$2.7M+33.5%	-$4.0M-72.4%	-$2.3M+17.4%	-$2.8M+3.1%	-$2.9M
EPS (Diluted)	$-0.100.0%	$-0.10+23.1%	$-0.13	N/A	$-0.19-72.7%	$-0.11+15.4%	$-0.13	N/A

BLFY Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$2.2B+5.2%	$2.1B+0.8%	$2.0B+0.1%	$2.0B+6.7%	$1.9B-1.5%	$1.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$53.1M+25.0%	$42.5M-7.7%	$46.0M+11.8%	$41.2M-78.7%	$193.4M-38.9%	$316.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$1.9B+7.3%	$1.7B+2.3%	$1.7B+2.4%	$1.6B+11.1%	$1.5B-14.5%	$1.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$312.7M-5.9%	$332.2M-6.6%	$355.6M-9.7%	$393.7M-8.3%	$429.5M+108.9%	$205.6M
Retained Earnings	$142.4M-6.6%	$152.4M-7.2%	$164.3M-4.3%	$171.8M+1.4%	$169.5M-17.7%	$205.8M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$2.2B+1.3%	$2.1B+1.7%	$2.1B+1.5%	$2.1B+0.3%	$2.1B+0.5%	$2.0B+0.9%	$2.0B-0.8%	$2.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$44.1M+5.3%	$41.9M-9.4%	$46.2M+8.7%	$42.5M-44.2%	$76.1M+26.3%	$60.3M+12.1%	$53.8M+16.8%	$46.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$1.8B+1.9%	$1.8B+2.3%	$1.8B+2.1%	$1.7B+0.7%	$1.7B+0.9%	$1.7B+1.3%	$1.7B-0.7%	$1.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$314.4M-2.1%	$321.3M-1.6%	$326.7M-1.7%	$332.2M-2.1%	$339.3M-1.8%	$345.6M-1.3%	$350.2M-1.5%	$355.6M
Retained Earnings	$145.9M-1.3%	$147.8M-1.3%	$149.7M-1.8%	$152.4M-1.7%	$155.1M-2.5%	$159.2M-1.5%	$161.5M-1.7%	$164.3M

BLFY Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	-$8.0M-258.3%	$5.1M+141.8%	-$12.1M-536.1%	$2.8M+119.7%	-$14.1M-1029.6%	-$1.3M
Capital Expenditures	N/A	$140K-97.5%	$5.6M+3.9%	$5.4M-54.9%	$11.9M+63.2%	$7.3M
Free Cash Flow	N/A	$4.9M+127.8%	-$17.7M-584.3%	-$2.6M+90.1%	-$26.0M-204.8%	-$8.5M
Investing Cash Flow	-$93.0M-210.1%	-$30.0M-391.3%	$10.3M+103.4%	-$306.2M-190.7%	-$105.3M-203.9%	$101.4M
Financing Cash Flow	$111.7M+421.4%	$21.4M+221.6%	$6.7M-95.6%	$151.2M+4391.6%	-$3.5M-103.8%	$92.3M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$16.3M-16.2%	$19.4M-46.1%	$36.0M+134.6%	$15.3M	$0	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	-$255K-112.7%	$2.0M+152.9%	-$3.8M-640.8%	-$512K+86.1%	-$3.7M-126.2%	$14.1M+390.9%	-$4.9M+32.6%	-$7.2M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	$9K-99.3%	$1.2M
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	-$4.9M+42.4%	-$8.4M
Investing Cash Flow	-$24.9M+39.1%	-$40.8M-53.6%	-$26.6M+38.4%	-$43.1M-475.9%	$11.5M+146.6%	-$24.6M-193.7%	$26.3M+29.9%	$20.2M
Financing Cash Flow	$27.3M-20.8%	$34.5M+1.2%	$34.1M+239.8%	$10.0M+24.4%	$8.1M-52.6%	$17.0M+224.2%	-$13.7M+29.4%	-$19.4M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$7.6M+94.6%	$3.9M-16.8%	$4.7M-6.9%	$5.1M-7.6%	$5.5M+58.9%	$3.4M-36.5%	$5.4M-1.8%	$5.5M

BLFY Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	-1547.1%-1533.1pp	-13.9%-4.6pp	-9.3%-13.2pp	3.8%+68.7pp	-64.8%-13.7pp	-51.1%
Return on Equity	-3.2%+0.4pp	-3.6%-1.5pp	-2.1%-2.7pp	0.6%+9.1pp	-8.5%+6.9pp	-15.3%
Return on Assets	-0.5%+0.1pp	-0.6%-0.2pp	-0.4%-0.5pp	0.1%+2.0pp	-1.9%-0.3pp	-1.6%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	5.93+0.7	5.20+0.5	4.75+0.6	4.19+0.7	3.46-5.0	8.45
FCF Margin	N/A	5.8%+28.1pp	-22.4%-18.2pp	-4.1%+42.3pp	-46.5%-32.6pp	-13.9%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	-7.7%+0.6pp	-8.3%+3.5pp	-11.8%+0.5pp	-12.3%+6.4pp	-18.8%-7.8pp	-11.0%+2.6pp	-13.6%+0.8pp	-14.4%
Return on Equity	-0.6%+0.0pp	-0.6%+0.2pp	-0.8%-0.0pp	-0.8%+0.4pp	-1.2%-0.5pp	-0.7%+0.1pp	-0.8%+0.0pp	-0.8%
Return on Assets	-0.1%0.0pp	-0.1%+0.0pp	-0.1%0.0pp	-0.1%+0.1pp	-0.2%-0.1pp	-0.1%+0.0pp	-0.1%0.0pp	-0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	5.86+0.2	5.62+0.2	5.40+0.2	5.20+0.1	5.06+0.1	4.92+0.1	4.79+0.0	4.75
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	-23.3%+18.2pp	-41.5%

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Frequently Asked Questions

What is Blue Foundry Ban's annual revenue?

Blue Foundry Ban (BLFY) reported $648K in total revenue for fiscal year 2025. This represents a -99.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Blue Foundry Ban's revenue growing?

Blue Foundry Ban (BLFY) revenue declined by 99.2% year-over-year, from $85.5M to $648K in fiscal year 2025.

Is Blue Foundry Ban profitable?

No, Blue Foundry Ban (BLFY) reported a net income of -$10.0M in fiscal year 2025, with a net profit margin of -1547.1%.

What is Blue Foundry Ban's net profit margin?

Blue Foundry Ban (BLFY) had a net profit margin of -1547.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Blue Foundry Ban's return on equity (ROE)?

Blue Foundry Ban (BLFY) has a return on equity of -3.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Blue Foundry Ban's operating cash flow?

Blue Foundry Ban (BLFY) generated -$8.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Blue Foundry Ban's total assets?

Blue Foundry Ban (BLFY) had $2.2B in total assets as of fiscal year 2025, including both current and long-term assets.

Does Blue Foundry Ban buy back shares?

Yes, Blue Foundry Ban (BLFY) spent $16.3M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Blue Foundry Ban have outstanding?

Blue Foundry Ban (BLFY) had 19M shares outstanding as of fiscal year 2025.

What is Blue Foundry Ban's debt-to-equity ratio?

Blue Foundry Ban (BLFY) had a debt-to-equity ratio of 5.93 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Blue Foundry Ban's return on assets (ROA)?

Blue Foundry Ban (BLFY) had a return on assets of -0.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Blue Foundry Ban's cash runway?

Based on fiscal year 2025 data, Blue Foundry Ban (BLFY) had $53.1M in cash against an annual operating cash burn of $8.0M. This gives an estimated cash runway of approximately 80 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.

What is Blue Foundry Ban's Piotroski F-Score?

Blue Foundry Ban (BLFY) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Blue Foundry Ban's earnings high quality?

Blue Foundry Ban (BLFY) has an earnings quality ratio of 0.80x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.