Critical Survey: Blue Foundry Bancorp (NASDAQ:BLFY) & PCSB Financial (NASDAQ:PCSB)

Blue Foundry Bancorp (NASDAQ:BLFYGet Rating) and PCSB Financial (NASDAQ:PCSBGet Rating) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their risk, analyst recommendations, dividends, profitability, valuation, institutional ownership and earnings.

Earnings and Valuation

This table compares Blue Foundry Bancorp and PCSB Financial’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 $58.53 million 5.90 -$36.34 million N/A N/A
PCSB Financial $59.76 million 4.88 $12.42 million $1.02 18.66

PCSB Financial has higher revenue and earnings than Blue Foundry Bancorp.

Analyst Recommendations

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

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Blue Foundry Bancorp 0 0 0 0 N/A
PCSB Financial 0 0 0 0 N/A

PCSB Financial has a consensus target price of $23.00, suggesting a potential upside of 20.86%. Given PCSB Financial’s higher probable upside, analysts clearly believe PCSB Financial is more favorable than Blue Foundry Bancorp.

Profitability

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

Net Margins Return on Equity Return on Assets
Blue Foundry Bancorp -59.96% -9.33% -1.66%
PCSB Financial 24.17% 4.87% 0.71%

Insider & Institutional Ownership

39.0% of Blue Foundry Bancorp shares are owned by institutional investors. Comparatively, 62.8% of PCSB Financial shares are owned by institutional investors. 9.6% of PCSB Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Summary

PCSB Financial beats Blue Foundry Bancorp on 8 of the 9 factors compared between the two stocks.

About Blue Foundry Bancorp (Get Rating)

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. The company offers deposits; and loans, such as one-to-four family residential property, home equity, commercial real estate, multi-family, construction, commercial and industrial, and other consumer loans, as well as home equity lines of credit. As of December 31, 2021, it operated 17 full-service branch offices located in northern New Jersey. 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 PCSB Financial (Get Rating)

PCSB Financial Corporation operates as the bank holding company for PCSB Bank that provides financial products and services to individuals and businesses in Putnam, Southern Dutchess, Rockland, and Westchester Counties in New York. The company's deposit products include interest and non-interest bearing, demand, NOW, money market, escrow, and savings accounts, as well as time deposits. It also provides commercial real estate, multi-family residential real estate, commercial business, construction, residential mortgage, and consumer and deposit overdraft loans, as well as home equity lines of credit, insurance products, and securities. In addition, the company engages in investment activities. As of June 30, 2021, PCSB Financial Corporation offered its services from executive offices/headquarters and 15 banking offices. The company was founded in 1871 and is headquartered in Yorktown Heights, New York.

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