Blue Foundry Bancorp

DB:5P8 Stock Report

Market Cap: €223.6m

Blue Foundry Bancorp Valuation

Is 5P8 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Book vs Peers

  • Price-To-Book vs Industry

  • Price-To-Book vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 5P8 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate 5P8's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate 5P8's fair value for valuation analysis.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 5P8?

Key metric: As 5P8 is an unprofitable bank we use its Price-To-Book Ratio for relative valuation analysis.

The above table shows the Price to Book ratio for 5P8. This is calculated by dividing 5P8's market cap by their current book value.
What is 5P8's PB Ratio?
PB Ratio0.7x
BookUS$339.30m
Market CapUS$234.70m

Price to Book Ratio vs Peers

How does 5P8's PB Ratio compare to its peers?

The above table shows the PB ratio for 5P8 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PBEstimated GrowthMarket Cap
Peer Average0.7x
UBK UmweltBank
0.9xn/a€223.5m
MBK Merkur PrivatBank KgaA
0.4x8.6%€107.3m
PCZ ProCredit Holding
0.5x9.9%€471.2m
CFFI C&F Financial
1.1xn/aUS$239.3m
5P8 Blue Foundry Bancorp
0.7x43.1%€234.7m

Price-To-Book vs Peers: 5P8 is good value based on its Price-To-Book Ratio (0.7x) compared to the peer average (0.7x).

Price to Book Ratio vs Industry

How does 5P8's PB Ratio compare vs other companies in the European Banks Industry?

6 CompaniesPrice / BookEstimated GrowthMarket Cap
5P8 0.7xIndustry Avg. 0.8xNo. of Companies37PB00.61.21.82.43+
6 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Book vs Industry: 5P8 is good value based on its Price-To-Book Ratio (0.7x) compared to the European Banks industry average (0.8x).

Price to Book Ratio vs Fair Ratio

What is 5P8's PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

5P8 PB Ratio vs Fair Ratio.
Fair Ratio
Current PB Ratio0.7x
Fair PB Ration/a

Price-To-Book vs Fair Ratio: Insufficient data to calculate 5P8's Price-To-Book Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 5P8 forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€10.50
€9.77
-6.9%
6.0%€10.36€9.18n/a2
Nov ’25€9.05
€10.08
+11.4%
10.3%€11.13€9.04n/a2
Oct ’25€9.10
€9.82
+8.0%
10.3%€10.84€8.81n/a2
Sep ’25€9.75
€9.82
+0.7%
12.9%€11.09€8.55n/a2
Aug ’25€10.30
€9.82
-4.7%
12.9%€11.09€8.55n/a2
Jul ’25€8.30
€8.15
-1.8%
8.6%€8.85€7.45n/a2
Jun ’25€8.25
€8.41
+1.9%
11.1%€9.34€7.48n/a2
May ’25€7.95
€8.41
+5.8%
11.1%€9.34€7.48n/a2
Apr ’25€8.50
€8.76
+3.1%
5.3%€9.23€8.30n/a2
Mar ’25€8.55
€9.22
+7.8%
10.0%€10.14€8.30n/a2
Feb ’25€8.65
€9.23
+6.7%
10.0%€10.15€8.30n/a2
Jan ’25€8.80
€8.24
-6.3%
12.7%€9.29€7.20n/a2
Dec ’24€7.85
€7.65
-2.5%
4.6%€8.01€7.30n/a2
Nov ’24€7.05
€7.65
+8.6%
4.6%€8.01€7.30€9.052
Oct ’24€7.80
€8.73
+12.0%
2.7%€8.97€8.50€9.102
Sep ’24€8.40
€9.20
+9.5%
10.0%€10.12€8.28€9.752
Aug ’24€9.10
€9.11
+0.05%
10.0%€10.02€8.19€10.302
Jul ’24€9.30
€9.24
-0.7%
9.2%€10.09€8.39€8.302
Jun ’24€8.60
€8.60
+0.03%
1.9%€8.76€8.44€8.252
Apr ’24€8.75
€11.71
+33.8%
2.0%€11.94€11.48€8.502
Mar ’24€11.30
€11.71
+3.6%
2.0%€11.94€11.48€8.552
Feb ’24€10.80
€11.71
+8.4%
2.0%€11.94€11.48€8.652
Jan ’24€11.90
€13.55
+13.9%
3.7%€14.05€13.05€8.802
Dec ’23€12.40
€13.55
+9.3%
3.7%€14.05€13.05€7.852
Nov ’23€12.16
€13.55
+11.4%
3.7%€14.05€13.05€7.052

Analyst Forecast: Target price is lower than the current share price.

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