Blue Foundry Bancorp (BLFY)vsU.S. Bancorp (USB)
BLFY
Blue Foundry Bancorp
$12.94
+0.31%
FINANCIAL SERVICES · Cap: $263.46M
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 58817% more annual revenue ($26.35B vs $44.73M). USB leads profitability with a 28.7% profit margin vs -20.6%. USB earns a higher WallStSmart Score of 75/100 (B).
BLFY
Hold38
out of 100
Grade: F
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for BLFY.
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Revenue surging 30.3% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
0.0% earnings growth
Smaller company, higher risk/reward
ROE of -2.8% — below average capital efficiency
Negative free cash flow — burning cash
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BLFY
The strongest argument for BLFY centers on Price/Book, Revenue Growth. Revenue growth of 30.3% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : BLFY
The primary concerns for BLFY are EPS Growth, Market Cap, Return on Equity.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
BLFY profiles as a hypergrowth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
BLFY is growing revenue faster at 30.3% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 38/100), backed by strong 28.7% margins. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Blue Foundry Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Blue Foundry Bancorp (BLFY) is a community-oriented financial institution headquartered in New Jersey, dedicated to providing tailored banking solutions for individuals and businesses in the region. The bank offers a comprehensive suite of products, including deposit accounts, loans, and mortgages, aimed at fostering local economic development. With a strong emphasis on leveraging innovative digital platforms, Blue Foundry Bancorp enhances customer engagement while maintaining stringent risk management and compliance with regulatory standards. This commitment to community involvement and sustainable banking practices positions Blue Foundry Bancorp as a vital player in both the local economy and the broader financial sector.
U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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