Blue Foundry Bancorp (NASDAQ:BLFY) vs. Flagstar Financial (NYSE:FLG) Head to Head Comparison

Blue Foundry Bancorp (NASDAQ:BLFY) and Flagstar Financial (NYSE:FLG) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their valuation, earnings, dividends, analyst recommendations, risk, profitability and institutional ownership.

Volatility & Risk

Blue Foundry Bancorp has a beta of 0.6, indicating that its share price is 40% less volatile than the S&P 500. Comparatively, Flagstar Financial has a beta of 1.17, indicating that its share price is 17% more volatile than the S&P 500.

Insider & Institutional Ownership

56.5% of Blue Foundry Bancorp shares are owned by institutional investors. Comparatively, 67.9% of Flagstar Financial shares are owned by institutional investors. 5.3% of Blue Foundry Bancorp shares are owned by company insiders. Comparatively, 19.4% of Flagstar Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Valuation & Earnings

This table compares Blue Foundry Bancorp and Flagstar Financial”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Blue Foundry Bancorp	$87.25 million	2.10	-$11.91 million	($0.55)	-15.51
Flagstar Financial	$6.35 billion	0.74	-$1.12 billion	($1.65)	-6.83

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

Analyst Recommendations

This is a breakdown of current ratings and target prices for Blue Foundry Bancorp and Flagstar Financial, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Blue Foundry Bancorp	1	1	0	0	1.50
Flagstar Financial	2	6	5	0	2.23

Blue Foundry Bancorp presently has a consensus price target of $10.00, suggesting a potential upside of 17.23%. Flagstar Financial has a consensus price target of $13.71, suggesting a potential upside of 21.58%. Given Flagstar Financial’s stronger consensus rating and higher possible upside, analysts plainly believe Flagstar Financial is more favorable than Blue Foundry Bancorp.

Profitability

This table compares Blue Foundry Bancorp and Flagstar Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Blue Foundry Bancorp	-12.49%	-3.45%	-0.55%
Flagstar Financial	-10.83%	-6.60%	-0.51%

Summary

Flagstar Financial 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 Flagstar Financial

Flagstar Financial, Inc. operates as the bank holding company for Flagstar Bank, N.A. that provides banking products and services in the United States. The company’s deposit products include interest-bearing checking and money market, savings, non-interest-bearing, and retirement accounts, as well as certificates of deposit. Its loan products comprise multi-family loans; commercial real estate loans; acquisition, development, and construction loans; commercial and industrial loans; one-to-four family loans; specialty finance loans and leases; warehouse loans; and other loans, such as home equity lines of credit, boat and recreational vehicle indirect lending, point of sale consumer loans, and other consumer loans, including overdraft loans. The company offers cash management products; non-deposit investment and insurance products; and online banking, mobile banking, and bank-by-phone services. It primarily serves individuals, small and mid-size businesses, and professional associations. The company was formerly known as New York Community Bancorp, Inc. and changed its name to Flagstar Financial, Inc. in October 2024. Flagstar Financial, Inc. was founded in 1859 and is headquartered in Hicksville, New York.