Blue Foundry Bancorp [BLFY] vs U.S. Bancorp [USB] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: Blue Foundry Bancorp wins in 4 metrics, U.S. Bancorp wins in 13 metrics, with 0 ties. U.S. Bancorp appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Blue Foundry Bancorp | U.S. Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 477.50 | 11.92 | U.S. Bancorp |
| Price-to-Book Ratio | 0.88 | 1.51 | Blue Foundry Bancorp |
| Debt-to-Equity Ratio | 1.05 | 1.21 | Blue Foundry Bancorp |
| PEG Ratio | 73.56 | 0.82 | U.S. Bancorp |
| Profit Margin (TTM) | -21.36% | 29.29% | U.S. Bancorp |
| Operating Margin (TTM) | -26.44% | 37.84% | U.S. Bancorp |
| EBITDA Margin (TTM) | N/A | 37.84% | N/A |
| Return on Equity | -3.11% | 12.35% | U.S. Bancorp |
| Return on Assets (TTM) | -0.47% | 1.14% | U.S. Bancorp |
| Free Cash Flow (TTM) | $-8.31M | $7.97B | U.S. Bancorp |
| Dividend Yield | N/A | 3.82% | N/A |
| 1-Year Return | 49.27% | 25.83% | Blue Foundry Bancorp |
| Price-to-Sales Ratio (TTM) | 5.86 | 3.32 | U.S. Bancorp |
| Enterprise Value | $499.31M | $126.46B | U.S. Bancorp |
| EV/Revenue Ratio | 10.64 | 4.75 | U.S. Bancorp |
| Revenue per Share (TTM) | $2 | $17 | U.S. Bancorp |
| Earnings per Share (Diluted) | $-0.51 | $4.77 | U.S. Bancorp |
| Beta (Stock Volatility) | 0.54 | 1.03 | Blue Foundry Bancorp |
| Short % of Float | 3.80% | 0.00% | U.S. Bancorp |
Blue Foundry Bancorp vs U.S. Bancorp Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Blue Foundry Bancorp | 0.00% | 1.38% | -1.78% | 5.84% | 48.10% | 5.84% |
| U.S. Bancorp | -2.67% | -1.12% | -1.16% | -0.05% | 9.90% | 1.24% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Blue Foundry Bancorp | 49.27% | 36.92% | 2.64% | 2.64% | 2.64% | 2.64% |
| U.S. Bancorp | 25.83% | 72.81% | -9.74% | 29.45% | 123.42% | 73.14% |
Performance & Financial Health Analysis: Blue Foundry Bancorp vs U.S. Bancorp
| Metric | BLFY | USB |
|---|---|---|
| Market Information | ||
| Market Cap | $274.88M | $88.06B |
| Market Cap Category | Small cap | Large cap |
| 10 Day Avg. Volume | 210,060 | 9,829,002 |
| 90 Day Avg. Volume | 251,957 | 10,401,007 |
| Last Close | $13.24 | $53.14 |
| 52 Week Range | $7.61 - $14.74 | $42.55 - $61.19 |
| % from 52W High | -10.18% | -13.16% |
| All-Time High | $15.47 (Dec 13, 2021) | $63.57 (Jan 10, 2022) |
| % from All-Time High | -14.41% | -16.41% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.22% | 0.05% |
| Quarterly Earnings Growth | 0.34% | 0.14% |
| Financial Health | ||
| Profit Margin (TTM) | -0.21% | 0.29% |
| Operating Margin (TTM) | -0.26% | 0.38% |
| Return on Equity (TTM) | -0.03% | 0.12% |
| Debt to Equity (MRQ) | 1.05 | 1.21 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $15.07 | $37.54 |
| Cash per Share (MRQ) | $3.28 | $31.14 |
| Operating Cash Flow (TTM) | $-8,016,000 | $6.04B |
| Levered Free Cash Flow (TTM) | $-10,025,000 | $7.19B |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 3.82% |
| Last 12-Month Dividend | N/A | $2.04 |
Valuation & Enterprise Metrics Analysis: Blue Foundry Bancorp vs U.S. Bancorp
| Metric | BLFY (Apr 15, 2026) | USB (Apr 24, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 477.50 | 11.92 |
| Forward P/E | 73.56 | 10.09 |
| PEG Ratio | 73.56 | 0.82 |
| Price to Sales (TTM) | 5.86 | 3.32 |
| Price to Book (MRQ) | 0.88 | 1.51 |
| Market Capitalization | ||
| Market Capitalization | $274.88M | $88.06B |
| Enterprise Value | $499.31M | $126.46B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 10.64 | 4.75 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.54 | 1.03 |
| Book Value per Share (MRQ) | $15.07 | $37.54 |
Financial Statements Comparison: Blue Foundry Bancorp vs U.S. Bancorp
Financial Metrics
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Revenue
Operating Margin
Profit Margin
Long Term Debt
Income Flow Analysis
Financial Statements Comparison
Income Statement
| Metric | BLFY (2025) | USB (2025) |
|---|---|---|
| Revenue/Sales | 49.07M | 28.54B |
| Cost of Goods Sold | N/A | N/A |
| COGS % of Revenue | 0.0% | 0.0% |
| Gross Profit | N/A | N/A |
| Gross Margin | 0.0% | 0.0% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| Operating Margin | 0.0% | 0.0% |
| EBITDA | N/A | N/A |
| EBITDA Margin | 0.0% | 0.0% |
| Pre-Tax Income | -10.03M | 9.52B |
| Pre-Tax Income % of Revenue | -20.4% | 33.3% |
| Income Tax | 0 | 1.92B |
| Income Tax % of Revenue | 0.0% | 6.7% |
| Net Income (Profit) | -10.03M | 7.60B |
| Profit Margin | -20.4% | 26.6% |
Balance Sheet & Liquidity Metrics
| Metric | BLFY (2025) | USB (2025) |
|---|---|---|
| Cash & Equivalents | 53.14M | 46.89B |
| Total Current Assets | N/A | N/A |
| Total Current Assets % of Revenue | 0.0% | 0.0% |
| Total Current Liabilities | N/A | N/A |
| Total Current Liabilities % of Revenue | 0.0% | 0.0% |
| Long-Term Debt | 324.43M | 60.76B |
| Long-Term Debt % of Revenue | 661.2% | 212.9% |
| Total Shareholders Equity | 312.74M | 65.65B |
| Retained Earnings | 142.40M | 80.91B |
| Retained Earnings % of Revenue | 290.2% | 283.5% |
| Property, Plant & Equipment | 21.71M | 1.51B |
Cash Flow Statement Comparison
| Metric | BLFY (2025) | USB (2025) |
|---|---|---|
| Operating Cash Flow | -9.67M | 6.04B |
| Operating Cash Flow % of Revenue | -19.7% | 21.2% |
| Capital Expenditures | -296,000 | N/A |
| Free Cash Flow | -8.31M | 7.97B |
| FCF Margin | -16.9% | 27.9% |
| Debt Repayment | -1.83B | -9.05B |
| Common Stock Repurchase | -16.27M | -489.00M |
Short Interest & Institutional Ownership Analysis
| Metric | BLFY | USB |
|---|---|---|
| Shares Short | 565,392 | 27,002 |
| Short Ratio | 1.95 | 0.00 |
| Short % of Float | 3.80% | 0.00% |
| Shares Outstanding | 20.76M | 1.56B |
| Float Shares | 13.97M | 1.55B |
| % Held by Insiders | 14.71% | 0.14% |
| % Held by Institutions | 60.91% | 83.55% |
| % Held by Public | 24.38% | 16.31% |
Dividend Analysis & Yield Comparison: Blue Foundry Bancorp vs U.S. Bancorp
| Metric | BLFY | USB |
|---|---|---|
| Last 12-Month Dividend | N/A | $2.04 |
| Last 12-Month Dividend Yield | N/A | 3.82% |
| 3-Year Avg Annual Dividend | N/A | $1.98 |
| 3-Year Avg Dividend Yield | N/A | 1.19% |
| 3-Year Total Dividends | N/A | $5.95 |
| Ex-Dividend Date | N/A | Dec 31, 2025 |