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Side-by-side financial comparison of Blue Foundry Bancorp (BLFY) and Velo3D, Inc. (VELO). Click either name above to swap in a different company.
Blue Foundry Bancorp is the larger business by last-quarter revenue ($13.3M vs $9.4M, roughly 1.4× Velo3D, Inc.). Blue Foundry Bancorp runs the higher net margin — -27.4% vs -231.9%, a 204.5% gap on every dollar of revenue. On growth, Blue Foundry Bancorp posted the faster year-over-year revenue change (34.2% vs -25.2%). Over the past eight quarters, Blue Foundry Bancorp's revenue compounded faster (16.0% CAGR vs -1.8%).
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.
Velo3D, Inc. develops and sells advanced end-to-end metal additive manufacturing (3D printing) solutions, comprising industrial-grade printers, specialized processing software, and high-performance metal materials. It primarily serves global aerospace, defense, energy, semiconductor and industrial manufacturing markets, enabling customers to produce complex, high-precision metal parts that are difficult to manufacture with traditional methods.
BLFY vs VELO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $13.3M | $9.4M |
| Net Profit | $-3.5M | $-21.9M |
| Gross Margin | — | -73.6% |
| Operating Margin | — | -231.0% |
| Net Margin | -27.4% | -231.9% |
| Revenue YoY | 34.2% | -25.2% |
| Net Profit YoY | -30.6% | -2.9% |
| EPS (diluted) | $-0.18 | $-0.87 |
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 | $13.3M | $9.4M | ||
| Q3 25 | $12.6M | $13.6M | ||
| Q2 25 | $12.0M | $13.6M | ||
| Q1 25 | $11.1M | $9.3M | ||
| Q4 24 | $9.9M | $12.6M | ||
| Q3 24 | $9.5M | $8.2M | ||
| Q2 24 | $10.1M | $10.3M | ||
| Q1 24 | $9.9M | $9.8M |
| Q4 25 | $-3.5M | $-21.9M | ||
| Q3 25 | $-1.9M | $-11.2M | ||
| Q2 25 | $-2.0M | $-13.3M | ||
| Q1 25 | $-2.7M | $-25.0M | ||
| Q4 24 | $-2.7M | $-21.3M | ||
| Q3 24 | $-4.0M | $-21.9M | ||
| Q2 24 | $-2.3M | $935.0K | ||
| Q1 24 | $-2.8M | $-27.5M |
| Q4 25 | — | -73.6% | ||
| Q3 25 | — | 3.2% | ||
| Q2 25 | — | -11.7% | ||
| Q1 25 | — | 7.5% | ||
| Q4 24 | — | -3.5% | ||
| Q3 24 | — | 49.4% | ||
| Q2 24 | — | -28.0% | ||
| Q1 24 | — | -28.8% |
| Q4 25 | — | -231.0% | ||
| Q3 25 | — | -73.3% | ||
| Q2 25 | — | -85.4% | ||
| Q1 25 | — | -123.6% | ||
| Q4 24 | — | -167.0% | ||
| Q3 24 | — | -213.8% | ||
| Q2 24 | — | -187.7% | ||
| Q1 24 | — | -211.1% |
| Q4 25 | -27.4% | -231.9% | ||
| Q3 25 | -14.8% | -82.0% | ||
| Q2 25 | -16.2% | -97.7% | ||
| Q1 25 | -24.2% | -268.4% | ||
| Q4 24 | -28.4% | -168.5% | ||
| Q3 24 | -42.7% | -265.3% | ||
| Q2 24 | -23.2% | 9.0% | ||
| Q1 24 | -28.8% | -281.2% |
| Q4 25 | $-0.18 | $-0.87 | ||
| Q3 25 | $-0.10 | $-0.65 | ||
| Q2 25 | $-0.10 | $-0.94 | ||
| Q1 25 | $-0.13 | $-1.87 | ||
| Q4 24 | $-0.12 | $7.06 | ||
| Q3 24 | $-0.19 | $-35.52 | ||
| Q2 24 | $-0.11 | $1.65 | ||
| Q1 24 | $-0.13 | $-55.51 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $53.1M | $39.0M |
| Total DebtLower is stronger | — | $31.0M |
| Stockholders' EquityBook value | $312.7M | $38.2M |
| Total Assets | $2.2B | $105.3M |
| Debt / EquityLower = less leverage | — | 0.81× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $53.1M | $39.0M | ||
| Q3 25 | $44.1M | $11.8M | ||
| Q2 25 | $41.9M | $854.0K | ||
| Q1 25 | $46.2M | $3.9M | ||
| Q4 24 | $42.5M | $1.2M | ||
| Q3 24 | $76.1M | $1.6M | ||
| Q2 24 | $60.3M | $3.2M | ||
| Q1 24 | $53.8M | $10.9M |
| Q4 25 | — | $31.0M | ||
| Q3 25 | — | $23.0M | ||
| Q2 25 | — | $22.5M | ||
| Q1 25 | — | $21.7M | ||
| Q4 24 | — | $5.7M | ||
| Q3 24 | — | $32.3M | ||
| Q2 24 | — | $33.5M | ||
| Q1 24 | — | $44.0M |
| Q4 25 | $312.7M | $38.2M | ||
| Q3 25 | $314.4M | $29.9M | ||
| Q2 25 | $321.3M | $21.4M | ||
| Q1 25 | $326.7M | $32.8M | ||
| Q4 24 | $332.2M | $39.7M | ||
| Q3 24 | $339.3M | $34.4M | ||
| Q2 24 | $345.6M | $52.1M | ||
| Q1 24 | $350.2M | $45.5M |
| Q4 25 | $2.2B | $105.3M | ||
| Q3 25 | $2.2B | $93.7M | ||
| Q2 25 | $2.1B | $78.4M | ||
| Q1 25 | $2.1B | $91.3M | ||
| Q4 24 | $2.1B | $89.2M | ||
| Q3 24 | $2.1B | $110.8M | ||
| Q2 24 | $2.0B | $116.7M | ||
| Q1 24 | $2.0B | $136.1M |
| Q4 25 | — | 0.81× | ||
| Q3 25 | — | 0.77× | ||
| Q2 25 | — | 1.05× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.14× | ||
| Q3 24 | — | 0.94× | ||
| Q2 24 | — | 0.64× | ||
| Q1 24 | — | 0.97× |
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 | $-8.0M | $-7.7M |
| Free Cash FlowOCF − Capex | — | $-8.3M |
| FCF MarginFCF / Revenue | — | -88.3% |
| Capex IntensityCapex / Revenue | — | 6.4% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-8.0M | $-7.7M | ||
| Q3 25 | $-255.0K | $-6.0M | ||
| Q2 25 | $2.0M | $-1.2M | ||
| Q1 25 | $-3.8M | $-12.3M | ||
| Q4 24 | $5.1M | $-2.2M | ||
| Q3 24 | $-3.7M | $-2.0M | ||
| Q2 24 | $14.1M | $-8.0M | ||
| Q1 24 | $-4.9M | $-20.5M |
| Q4 25 | — | $-8.3M | ||
| Q3 25 | — | $-6.3M | ||
| Q2 25 | — | $-3.0M | ||
| Q1 25 | — | — | ||
| Q4 24 | $4.9M | $-2.2M | ||
| Q3 24 | — | $-2.0M | ||
| Q2 24 | — | $-8.0M | ||
| Q1 24 | $-4.9M | $-20.5M |
| Q4 25 | — | -88.3% | ||
| Q3 25 | — | -46.5% | ||
| Q2 25 | — | -22.2% | ||
| Q1 25 | — | — | ||
| Q4 24 | 49.8% | -17.7% | ||
| Q3 24 | — | -24.2% | ||
| Q2 24 | — | -77.1% | ||
| Q1 24 | -49.3% | -209.8% |
| Q4 25 | — | 6.4% | ||
| Q3 25 | — | 2.3% | ||
| Q2 25 | — | 13.3% | ||
| Q1 25 | — | 0.0% | ||
| Q4 24 | 1.4% | 0.2% | ||
| Q3 24 | — | 0.2% | ||
| Q2 24 | — | 0.0% | ||
| Q1 24 | 0.1% | 0.1% |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | -8.52× | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
