Financial Survey: Blue Foundry Bancorp (NASDAQ:BLFY) vs. Bank First National (NASDAQ:BFC)

Blue Foundry Bancorp (NASDAQ:BLFY) and Bank First National (NASDAQ:BFC) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their earnings, institutional ownership, profitability, valuation, risk, dividends and analyst recommendations.

Profitability

This table compares Blue Foundry Bancorp and Bank First National’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Blue Foundry Bancorp	-12.49%	-3.42%	-0.55%
Bank First National	29.04%	10.81%	1.56%

Analyst Recommendations

This is a summary of current recommendations for Blue Foundry Bancorp and Bank First National, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Blue Foundry Bancorp	0	1	0	0	2.00
Bank First National	0	1	1	0	2.50

Blue Foundry Bancorp presently has a consensus price target of $10.00, indicating a potential upside of 16.55%. Bank First National has a consensus price target of $133.50, indicating a potential upside of 13.66%. Given Blue Foundry Bancorp’s higher probable upside, equities research analysts clearly believe Blue Foundry Bancorp is more favorable than Bank First National.

Risk and Volatility

Blue Foundry Bancorp has a beta of 0.6, indicating that its share price is 40% less volatile than the S&P 500. Comparatively, Bank First National has a beta of 0.41, indicating that its share price is 59% less volatile than the S&P 500.

Insider & Institutional Ownership

56.5% of Blue Foundry Bancorp shares are owned by institutional investors. Comparatively, 30.0% of Bank First National shares are owned by institutional investors. 5.3% of Blue Foundry Bancorp shares are owned by company insiders. Comparatively, 3.4% of Bank First National shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Earnings and Valuation

This table compares Blue Foundry Bancorp and Bank First National”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Blue Foundry Bancorp	$87.25 million	2.14	-$11.91 million	($0.55)	-15.60
Bank First National	$226.09 million	5.15	$65.56 million	$6.93	16.95

Bank First National has higher revenue and earnings than Blue Foundry Bancorp. Blue Foundry Bancorp is trading at a lower price-to-earnings ratio than Bank First National, indicating that it is currently the more affordable of the two stocks.

Summary

Bank First National beats Blue Foundry Bancorp on 10 of the 14 factors compared between the two stocks.

About Blue Foundry Bancorp

Blue Foundry Bancorp operates as a bank holding company for Blue Foundry Bank, a savings bank that offers various banking products and services for individuals and businesses in the United States. The company offers saving, time, and non-interest bearing deposits; demand accounts; and loans, such as one-to-four family residential property, multi-family, residential real estate, non-residential real estate, consumer, construction, and commercial and industrial loans, as well as junior liens and home equity lines of credit. The company was formerly known as Boiling Springs Bancorp and changed its name to Blue Foundry Bancorp in July 2019. Blue Foundry Bancorp was founded in 1939 and is based in Rutherford, New Jersey.

About Bank First National

Bank First Corporation operates as a holding company for Bank First, N.A. that provides consumer and commercial financial services to businesses, professionals, consumers, associations, individuals, and governmental authorities in Wisconsin. It offers checking, savings, money market, cash management, retirement, and health savings accounts; other time deposits; certificates of deposit; and residential mortgage products. The company's loan products include real estate loans, including commercial real estate, residential mortgage, and home equity loans; commercial and industrial loans for working capital, accounts receivable, inventory financing, and other business purposes; construction and development loans; residential 1-4 family loans; and consumer loans for personal and household purposes, including secured and unsecured installment loans, and revolving lines of credit. It also provides credit cards; ATM processing; insurance; data processing and other information technology; investment and safekeeping; treasury management; and online, telephone, and mobile banking services. The company was formerly known as Bank First National Corporation and changed its name to Bank First Corporation in June 2019. Bank First Corporation was founded in 1894 and is headquartered in Manitowoc, Wisconsin.