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Side-by-side financial comparison of Affinity Bancshares, Inc. (AFBI) and Blue Foundry Bancorp (BLFY). Click either name above to swap in a different company.
Blue Foundry Bancorp is the larger business by last-quarter revenue ($12.8M vs $8.3M, roughly 1.6× Affinity Bancshares, Inc.). Affinity Bancshares, Inc. runs the higher net margin — 25.8% vs -27.4%, a 53.2% gap on every dollar of revenue. On growth, Blue Foundry Bancorp posted the faster year-over-year revenue change (35.2% vs 11.0%). Over the past eight quarters, Blue Foundry Bancorp's revenue compounded faster (16.6% CAGR vs 10.6%).
Blue Foundry Bancorp is a regional bank holding company based in New Jersey, United States. It offers a comprehensive range of personal and commercial banking products, including deposit accounts, consumer loans, mortgage services, and business financing solutions, serving local individual consumers and small to medium-sized enterprises.
AFBI vs BLFY — Head-to-Head
Income Statement — Q4 2025 vs Q4 2025
| Metric | | |
|---|---|---|
| Revenue | $8.3M | $12.8M |
| Net Profit | $2.1M | $-3.5M |
| Gross Margin | — | — |
| Operating Margin | 37.3% | — |
| Net Margin | 25.8% | -27.4% |
| Revenue YoY | 11.0% | 35.2% |
| Net Profit YoY | 58.5% | -30.6% |
| EPS (diluted) | $0.34 | $-0.18 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $8.3M | $12.8M | ||
| Q3 25 | $7.8M | $12.2M | ||
| Q2 25 | $7.8M | $11.6M | ||
| Q1 25 | $7.3M | $10.7M | ||
| Q4 24 | $7.4M | $9.5M | ||
| Q3 24 | $7.4M | $9.1M | ||
| Q2 24 | $7.6M | $9.6M | ||
| Q1 24 | $6.7M | $9.4M |
| Q4 25 | $2.1M | $-3.5M | ||
| Q3 25 | $2.2M | $-1.9M | ||
| Q2 25 | $2.2M | $-2.0M | ||
| Q1 25 | $1.8M | $-2.7M | ||
| Q4 24 | $1.3M | $-2.7M | ||
| Q3 24 | $1.7M | $-4.0M | ||
| Q2 24 | $1.0M | $-2.3M | ||
| Q1 24 | $1.3M | $-2.8M |
| Q4 25 | 37.3% | — | ||
| Q3 25 | 37.5% | — | ||
| Q2 25 | 36.4% | — | ||
| Q1 25 | 32.8% | — | ||
| Q4 24 | 21.5% | — | ||
| Q3 24 | 30.7% | — | ||
| Q2 24 | 17.7% | — | ||
| Q1 24 | 26.1% | — |
| Q4 25 | 25.8% | -27.4% | ||
| Q3 25 | 28.5% | -15.3% | ||
| Q2 25 | 27.7% | -16.8% | ||
| Q1 25 | 25.0% | -25.1% | ||
| Q4 24 | 18.1% | -28.4% | ||
| Q3 24 | 23.3% | -44.5% | ||
| Q2 24 | 13.6% | -24.5% | ||
| Q1 24 | 19.8% | -30.1% |
| Q4 25 | $0.34 | $-0.18 | ||
| Q3 25 | $0.34 | $-0.10 | ||
| Q2 25 | $0.33 | $-0.10 | ||
| Q1 25 | $0.28 | $-0.13 | ||
| Q4 24 | $0.21 | $-0.12 | ||
| Q3 24 | $0.26 | $-0.19 | ||
| Q2 24 | $0.16 | $-0.11 | ||
| Q1 24 | $0.20 | $-0.13 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $53.9M | $53.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $127.0M | $312.7M |
| Total Assets | $881.7M | $2.2B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $53.9M | $53.1M | ||
| Q3 25 | $84.8M | $44.1M | ||
| Q2 25 | $89.7M | $41.9M | ||
| Q1 25 | $74.7M | $46.2M | ||
| Q4 24 | $41.4M | $42.5M | ||
| Q3 24 | $52.3M | $76.1M | ||
| Q2 24 | $50.4M | $60.3M | ||
| Q1 24 | $61.4M | $53.8M |
| Q4 25 | $127.0M | $312.7M | ||
| Q3 25 | $125.4M | $314.4M | ||
| Q2 25 | $124.1M | $321.3M | ||
| Q1 25 | $122.3M | $326.7M | ||
| Q4 24 | $129.1M | $332.2M | ||
| Q3 24 | $128.4M | $339.3M | ||
| Q2 24 | $125.1M | $345.6M | ||
| Q1 24 | $123.3M | $350.2M |
| Q4 25 | $881.7M | $2.2B | ||
| Q3 25 | $925.2M | $2.2B | ||
| Q2 25 | $933.8M | $2.1B | ||
| Q1 25 | $912.5M | $2.1B | ||
| Q4 24 | $866.8M | $2.1B | ||
| Q3 24 | $878.6M | $2.1B | ||
| Q2 24 | $873.6M | $2.0B | ||
| Q1 24 | $869.5M | $2.0B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $2.3M | $-6.0M |
| Free Cash FlowOCF − Capex | $2.2M | — |
| FCF MarginFCF / Revenue | 26.3% | — |
| Capex IntensityCapex / Revenue | 1.1% | — |
| Cash ConversionOCF / Net Profit | 1.06× | — |
| TTM Free Cash FlowTrailing 4 quarters | $11.2M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $2.3M | $-6.0M | ||
| Q3 25 | $3.7M | $-255.0K | ||
| Q2 25 | $3.8M | $2.0M | ||
| Q1 25 | $1.9M | $-3.8M | ||
| Q4 24 | $865.0K | $-512.0K | ||
| Q3 24 | $4.1M | $-3.7M | ||
| Q2 24 | $619.0K | $14.1M | ||
| Q1 24 | $1.2M | $-4.9M |
| Q4 25 | $2.2M | — | ||
| Q3 25 | $3.6M | — | ||
| Q2 25 | $3.7M | — | ||
| Q1 25 | $1.8M | — | ||
| Q4 24 | $842.0K | — | ||
| Q3 24 | $4.0M | — | ||
| Q2 24 | $489.0K | — | ||
| Q1 24 | $1.1M | $-4.9M |
| Q4 25 | 26.3% | — | ||
| Q3 25 | 46.6% | — | ||
| Q2 25 | 47.1% | — | ||
| Q1 25 | 24.2% | — | ||
| Q4 24 | 11.3% | — | ||
| Q3 24 | 53.3% | — | ||
| Q2 24 | 6.5% | — | ||
| Q1 24 | 16.1% | -51.7% |
| Q4 25 | 1.1% | — | ||
| Q3 25 | 0.9% | — | ||
| Q2 25 | 1.5% | — | ||
| Q1 25 | 2.0% | — | ||
| Q4 24 | 0.3% | — | ||
| Q3 24 | 1.8% | — | ||
| Q2 24 | 1.7% | — | ||
| Q1 24 | 2.0% | 0.1% |
| Q4 25 | 1.06× | — | ||
| Q3 25 | 1.66× | — | ||
| Q2 25 | 1.75× | — | ||
| Q1 25 | 1.05× | — | ||
| Q4 24 | 0.64× | — | ||
| Q3 24 | 2.36× | — | ||
| Q2 24 | 0.60× | — | ||
| Q1 24 | 0.91× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
