Comparing Mvb Financial (NASDAQ:MVBF) & Blue Foundry Bancorp (NASDAQ:BLFY)

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

Earnings and Valuation

This table compares Blue Foundry Bancorp and Mvb Financial”s revenue, earnings per share and valuation.

	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
Mvb Financial	$126.93 million	3.03	$26.94 million	$2.18	13.72

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

Risk and Volatility

Blue Foundry Bancorp has a beta of 0.55, meaning that its share price is 45% less volatile than the S&P 500. Comparatively, Mvb Financial has a beta of 0.8, meaning that its share price is 20% less volatile than the S&P 500.

Profitability

This table compares Blue Foundry Bancorp and Mvb 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%
Mvb Financial	13.98%	2.54%	0.25%

Analyst Ratings

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

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Blue Foundry Bancorp	1	0	0	0	1.00
Mvb Financial	1	1	4	0	2.50

Mvb Financial has a consensus price target of $31.25, suggesting a potential upside of 4.45%. Given Mvb Financial’s stronger consensus rating and higher possible upside, analysts clearly believe Mvb Financial is more favorable than Blue Foundry Bancorp.

Institutional and Insider Ownership

56.5% of Blue Foundry Bancorp shares are held by institutional investors. Comparatively, 52.7% of Mvb Financial shares are held by institutional investors. 5.3% of Blue Foundry Bancorp shares are held by insiders. Comparatively, 9.9% of Mvb Financial shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Summary

Mvb Financial beats Blue Foundry Bancorp on 12 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 Mvb Financial

MVB Financial Corp. operates as bank holding company for MVB Bank, Inc that provides financial services to individuals and corporate clients. The company operates through three segments: CoRe Banking, Mortgage Banking, and The Financial Holding Company. It offers various demand deposit accounts, savings accounts, money market accounts, and certificates of deposit; and commercial, consumer, and real estate mortgage loans, as well as lines of credit. The company also provides debit cards; cashier's checks; safe deposit rental facilities; and non-deposit investment services, as well as financial technology (Fintech) banking services. In addition, it offers fintech solutions for the gaming, payments, banking-as-a-service, and digital asset sectors; fraud prevention services for merchants, credit agencies, Fintech companies, and other vendors; and digital products and web and mobile applications for forward-thinking community banks, credit unions, digital banks, and Fintech companies. It operates full-service branches in West Virginia and Virginia. MVB Financial Corp. was founded in 1997 and is based in Fairmont, West Virginia.