Blue Foundry Bancorp [BLFY] vs First Commonwealth [FCF] Detailed Stock Comparison

Blue Foundry Bancorp

NASDAQ
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First Commonwealth Financial Corporation

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Blue Foundry Bancorp wins in 3 metrics, First Commonwealth Financial Corporation wins in 14 metrics, with 0 ties. First Commonwealth Financial Corporation appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Blue Foundry Bancorp First Commonwealth Financial Corporation Better
P/E Ratio (TTM) 477.50 12.67 First Commonwealth Financial Corporation
Price-to-Book Ratio 0.88 1.23 Blue Foundry Bancorp
Debt-to-Equity Ratio 1.05 0.30 First Commonwealth Financial Corporation
PEG Ratio 73.56 0.53 First Commonwealth Financial Corporation
Profit Margin (TTM) -21.36% 31.37% First Commonwealth Financial Corporation
Operating Margin (TTM) -26.44% 46.46% First Commonwealth Financial Corporation
EBITDA Margin (TTM) N/A 46.46% N/A
Return on Equity -3.11% 10.29% First Commonwealth Financial Corporation
Return on Assets (TTM) -0.47% 1.27% First Commonwealth Financial Corporation
Free Cash Flow (TTM) $-8.31M $171.45M First Commonwealth Financial Corporation
Dividend Yield N/A 2.97% N/A
1-Year Return 49.27% 21.25% Blue Foundry Bancorp
Price-to-Sales Ratio (TTM) 5.86 3.92 First Commonwealth Financial Corporation
Enterprise Value $499.31M $2.17B First Commonwealth Financial Corporation
EV/Revenue Ratio 10.64 4.46 First Commonwealth Financial Corporation
Revenue per Share (TTM) $2 $5 First Commonwealth Financial Corporation
Earnings per Share (Diluted) $-0.51 $1.47 First Commonwealth Financial Corporation
Beta (Stock Volatility) 0.54 0.75 Blue Foundry Bancorp
Short % of Float 3.80% 2.98% First Commonwealth Financial Corporation

Blue Foundry Bancorp vs First Commonwealth Financial Corporation Stock Performance Analysis

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BLFY
FCF

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Blue Foundry Bancorp0.00%1.38%-1.78%5.84%48.10%5.84%
First Commonwealth Financial Corporation-1.95%0.64%2.98%6.62%15.15%13.30%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Blue Foundry Bancorp49.27%36.92%2.64%2.64%2.64%2.64%
First Commonwealth Financial Corporation21.25%39.37%24.52%102.57%243.74%42.30%

Performance & Financial Health Analysis: Blue Foundry Bancorp vs First Commonwealth Financial Corporation

MetricBLFYFCF
Market Information
Market Cap i$274.88M$1.90B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i210,060684,760
90 Day Avg. Volume i251,957968,330
Last Close$13.24$18.63
52 Week Range$7.61 - $14.74$15.00 - $19.14
% from 52W High-10.18%-2.66%
All-Time High$15.47 (Dec 13, 2021)$19.96 (Nov 25, 2024)
% from All-Time High-14.41%-6.66%
Growth Metrics
Quarterly Revenue Growth0.22%0.15%
Quarterly Earnings Growth0.34%0.25%
Financial Health
Profit Margin (TTM) i-0.21%0.31%
Operating Margin (TTM) i-0.26%0.46%
Return on Equity (TTM) i-0.03%0.10%
Debt to Equity (MRQ) i1.050.30
Cash & Liquidity
Book Value per Share (MRQ)$15.07$15.17
Cash per Share (MRQ)$3.28$1.87
Operating Cash Flow (TTM) i$-8,016,000$187.54M
Levered Free Cash Flow (TTM) i$-10,025,000$152.30M
Dividends
Last 12-Month Dividend Yield iN/A2.97%
Last 12-Month Dividend iN/A$0.56

Valuation & Enterprise Metrics Analysis: Blue Foundry Bancorp vs First Commonwealth Financial Corporation

MetricBLFY (Apr 15, 2026)FCF (Apr 26, 2026)
Price Ratios
P/E Ratio (TTM) i477.5012.67
Forward P/E i73.569.48
PEG Ratio i73.560.53
Price to Sales (TTM) i5.863.92
Price to Book (MRQ) i0.881.23
Market Capitalization
Market Capitalization i$274.88M$1.90B
Enterprise Value i$499.31M$2.17B
Enterprise Value Metrics
Enterprise to Revenue i10.644.46
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.540.75
Book Value per Share (MRQ) i$15.07$15.17

Financial Statements Comparison: Blue Foundry Bancorp vs First Commonwealth Financial Corporation

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricBLFY (2025)FCF (2025)
Revenue/Sales i49.07M522.91M
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i-10.03M191.36M
Pre-Tax Income % of Revenue i-20.4%36.6%
Income Tax i039.06M
Income Tax % of Revenue i0.0%7.5%
Net Income (Profit) i-10.03M152.30M
Profit Margin i-20.4%29.1%

Balance Sheet & Liquidity Metrics

MetricBLFY (2025)FCF (2025)
Cash & Equivalents i53.14M180.36M
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i324.43M261.74M
Long-Term Debt % of Revenue i661.2%50.1%
Total Shareholders Equity i312.74M1.55B
Retained Earnings i142.40M1.07B
Retained Earnings % of Revenue i290.2%204.2%
Property, Plant & Equipment i21.71M53.65M

Cash Flow Statement Comparison

MetricBLFY (2025)FCF (2025)
Operating Cash Flow i-9.67M164.59M
Operating Cash Flow % of Revenue i-19.7%31.5%
Capital Expenditures i-296,000-16.09M
Free Cash Flow i-8.31M171.45M
FCF Margin i-16.9%32.8%
Debt Repayment i-1.83B-21.69M
Common Stock Repurchase i-16.27M-35.79M

Short Interest & Institutional Ownership Analysis

MetricBLFYFCF
Shares Short i565,3922.19M
Short Ratio i1.952.07
Short % of Float i3.80%2.98%
Shares Outstanding i20.76M102.84M
Float Shares i13.97M99.32M
% Held by Insiders i14.71%1.77%
% Held by Institutions i60.91%77.71%
% Held by Public i24.38%20.52%

Dividend Analysis & Yield Comparison: Blue Foundry Bancorp vs First Commonwealth Financial Corporation

MetricBLFYFCF
Last 12-Month Dividend iN/A$0.56
Last 12-Month Dividend Yield iN/A2.97%
3-Year Avg Annual Dividend iN/A$0.52
3-Year Avg Dividend Yield iN/A0.85%
3-Year Total Dividends iN/A$1.56
Ex-Dividend DateN/AFeb 06, 2026