` Comparison: BLFY, FNMA - Alpha Spread

B
BLFY
vs
FNMA

Over the past 12 months, BLFY has underperformed FNMA, delivering a return of +29% compared to the FNMA's +310% growth.

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BLFY
FNMA
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Stocks Compared:
BLFY FNMA
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Valuation Comparison

B
BLFY Intrinsic Value
9.53 USD
Overvaluation 25%
Intrinsic Value
Price
FNMA Intrinsic Value
Not Available
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
B
Blue Foundry Bancorp
NASDAQ:BLFY
12.62 USD
Federal National Mortgage Association
OTC:FNMA
10.74 USD
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Valuation Scenario:
Bear Case
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Growth Comparison

Growth Over Time
BLFY, FNMA

BLFY
FNMA
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
B
Blue Foundry Bancorp
Revenue
Federal National Mortgage Association
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
BLFY, FNMA

BLFY
FNMA
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
B
Blue Foundry Bancorp
NASDAQ:BLFY
FCF is not applicable for financial companies
Federal National Mortgage Association
OTC:FNMA
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What is Free Cash Flow?

Gross Margin

BLFY
FNMA
15.9%
LTM 3Y Avg 5Y Avg 10Y Avg
B
Blue Foundry Bancorp
Not applicable for financial companies
Federal National Mortgage Association

Operating Margin

BLFY
FNMA
11.2%
LTM 3Y Avg 5Y Avg 10Y Avg
B
Blue Foundry Bancorp
Not applicable for financial companies
Federal National Mortgage Association

Net Margin

BLFY
-20.2%
FNMA
0%

FCF Margin

BLFY
FNMA
3.6%
LTM 3Y Avg 5Y Avg 10Y Avg
B
Blue Foundry Bancorp
Not applicable for financial companies
Federal National Mortgage Association

ROE

BLFY
-2.8%
FNMA
0%

ROA

BLFY
-0.4%
FNMA
0%

ROIC

BLFY
FNMA
0.3%
LTM 3Y Avg 5Y Avg 10Y Avg
B
Blue Foundry Bancorp
Not applicable for financial companies
Federal National Mortgage Association

ROCE

BLFY
FNMA
0.4%
LTM 3Y Avg 5Y Avg 10Y Avg
B
Blue Foundry Bancorp
Not applicable for financial companies
Federal National Mortgage Association

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
BLFY, FNMA

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BLFY
FNMA
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Performance Gap
BLFY, FNMA

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BLFY
FNMA
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
BLFY, FNMA

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BLFY
FNMA
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