Blue Foundry Bancorp (NASDAQ:BLFY – Get Free Report) and FB Financial (NYSE:FBK – Get Free Report) are both finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their institutional ownership, profitability, earnings, valuation, risk, dividends and analyst recommendations.
Analyst Recommendations
This is a breakdown of recent ratings and recommmendations for Blue Foundry Bancorp and FB Financial, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Blue Foundry Bancorp | 1 | 0 | 0 | 0 | 1.00 |
| FB Financial | 0 | 0 | 5 | 1 | 3.17 |
FB Financial has a consensus target price of $64.00, indicating a potential upside of 21.24%. Given FB Financial’s stronger consensus rating and higher possible upside, analysts plainly believe FB Financial is more favorable than Blue Foundry Bancorp.
Valuation & Earnings
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Blue Foundry Bancorp | $49.07 million | 5.60 | -$11.91 million | ($0.46) | -28.78 |
| FB Financial | $877.84 million | 3.10 | $122.62 million | $2.66 | 19.85 |
FB Financial has higher revenue and earnings than Blue Foundry Bancorp. Blue Foundry Bancorp is trading at a lower price-to-earnings ratio than FB Financial, indicating that it is currently the more affordable of the two stocks.
Risk & Volatility
Blue Foundry Bancorp has a beta of 0.55, meaning that its stock price is 45% less volatile than the S&P 500. Comparatively, FB Financial has a beta of 0.95, meaning that its stock price is 5% less volatile than the S&P 500.
Insider & Institutional Ownership
56.5% of Blue Foundry Bancorp shares are owned by institutional investors. Comparatively, 65.4% of FB Financial shares are owned by institutional investors. 5.3% of Blue Foundry Bancorp shares are owned by insiders. Comparatively, 2.0% of FB Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.
Profitability
This table compares Blue Foundry Bancorp and FB Financial’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Blue Foundry Bancorp | -9.82% | -2.84% | -0.44% |
| FB Financial | 14.26% | 11.64% | 1.40% |
Summary
FB Financial beats Blue Foundry Bancorp on 13 of the 15 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 FB Financial
FB Financial Corporation operates as a bank holding company for FirstBank that provides a suite of commercial and consumer banking services to businesses, professionals, and individuals. The company operates in segments, such as Banking and Mortgage. It offers checking, demand, money market, and savings accounts; deposit and lending products and services to corporate, commercial, and consumer customers; and time deposits and certificates of deposits, as well as residential mortgage loans. The company also provides owner-occupied and non-owner-occupied real estate commercial, residential real estate 1-4 family mortgage, multi-family residential, commercial and industrial, construction, land acquisition, residential lines of credit, and land development loans; and consumer and other loans, such as car, boat, and other recreational vehicle loans, as well as manufactured homes without real estate and personal lines of credit. In addition, the company offers mortgage banking services through its bank branch network and mortgage banking offices in the southeastern United States; direct-to-consumer internet delivery channel; and trust, insurance, and investment services, as well as online and mobile banking services. The company operates full-service bank branches and limited-service branches locations throughout Tennessee, Nashville, Chattanooga, Knoxville, Memphis, Jackson, Birmingham, Florence, Huntsville, Alabama, Bowling Green, and Kentucky; and mortgage offices throughout the southeastern United States. The company was formerly known as First South Bancorp, Inc. and changed its name to FB Financial Corporation in 2016. FB Financial Corporation was founded in 1906 and is headquartered in Nashville, Tennessee.
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