Financial Survey: Oxford Bank (OTCMKTS:OXBC) versus Blue Foundry Bancorp (NASDAQ:BLFY)

Oxford Bank (OTCMKTS:OXBC) and Blue Foundry Bancorp (NASDAQ:BLFY) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their valuation, earnings, profitability, dividends, analyst recommendations, risk and institutional ownership.

Valuation & Earnings

This table compares Oxford Bank and Blue Foundry Bancorp”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Oxford Bank	$62.26 million	1.73	$10.96 million	$3.92	11.10
Blue Foundry Bancorp	$49.07 million	5.60	-$11.91 million	($0.46)	-28.78

Oxford Bank has higher revenue and earnings than Blue Foundry Bancorp. Blue Foundry Bancorp is trading at a lower price-to-earnings ratio than Oxford Bank, indicating that it is currently the more affordable of the two stocks.

Insider and Institutional Ownership

4.5% of Oxford Bank shares are owned by institutional investors. Comparatively, 56.5% of Blue Foundry Bancorp shares are owned by institutional investors. 5.3% of Blue Foundry Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Profitability

This table compares Oxford Bank and Blue Foundry Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Oxford Bank	15.06%	N/A	N/A
Blue Foundry Bancorp	-9.82%	-2.84%	-0.44%

Risk and Volatility

Oxford Bank has a beta of 0.08, indicating that its share price is 92% less volatile than the S&P 500. Comparatively, Blue Foundry Bancorp has a beta of 0.55, indicating that its share price is 45% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current recommendations for Oxford Bank and Blue Foundry Bancorp, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Oxford Bank	0	0	0	0	0.00
Blue Foundry Bancorp	1	0	0	0	1.00

Summary

Oxford Bank beats Blue Foundry Bancorp on 7 of the 12 factors compared between the two stocks.

About Oxford Bank

Oxford Bank Corporation provides banking products and services to various customers in Michigan. Its deposit products include savings, checking, and individual retirement accounts, as well as certificates of deposit. The company's loan portfolio comprises home mortgage, home equity, auto, student, term, commercial real estate, and small business administration loans, as well as lines of credit. It also offers cash management, merchant card, remote deposit capture, payroll, overdraft protection, wire transfer, night depository, and notary services, as well as safe deposit box and interactive teller machine services; online, telephone, and mobile banking services; debit and credit cards; and insurance products. The company operates its branches in Clarkston, Davison, Dryden, Lake Orion, Ortonville, Oxford, and Oakland. Oxford Bank Corporation was founded in 1884 and is based in Oxford, Michigan.

About Blue Foundry Bancorp

Blue Foundry Bancorp operates as a bank holding company for Blue Foundry Bank, a savings bank that offers various banking products and services for individuals and businesses in the United States. The company offers saving, time, and non-interest bearing deposits; demand accounts; and loans, such as one-to-four family residential property, multi-family, residential real estate, non-residential real estate, consumer, construction, and commercial and industrial loans, as well as junior liens and home equity lines of credit. The company was formerly known as Boiling Springs Bancorp and changed its name to Blue Foundry Bancorp in July 2019. Blue Foundry Bancorp was founded in 1939 and is based in Rutherford, New Jersey.