blueharbor bank AI Stock Analysis
Want to see BLHK full AI Analyst Report?
blueharbor bank (BLHK) AI Stock Analysis
blueharbor bank
(Other OTC:BLHK)
The score is driven primarily by strong financial performance (healthy profitability, improving 2025 cash generation, and an apparently low-debt balance sheet) and supportive valuation (low P/E with a solid dividend yield). Technicals are constructive due to a strong uptrend versus moving averages, but the very high RSI indicates the stock is overextended, tempering the overall score.
blueharbor bank (BLHK) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $145.78M
- Dividend Yield
- 3.61%
- Average Volume (3M)
- 7,832
- Price to Earnings (P/E)
- 10.9
- Beta (1Y)
- 0.51
- Revenue Growth
- 19.53%
- EPS Growth
- 35.79%
- Country
- US
- Employees
- 40
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
blueharbor bank Business Overview & Revenue Model
Company Description
Blueharbor Bank offers a comprehensive range of financial solutions. Both individual and corporate clients can open checking, savings, and investment accounts. The institution extends credit facilities, including personal loans for property acquisiti...
blueharbor bank Financial Statement Overview
Summary
Strong profitability and growth profile with 2025 revenue accelerating (~13.6%) and margins rebounding (net margin ~33%, EBIT margin ~42%). Balance sheet appears conservatively levered with steadily expanding equity/assets, and cash generation is solid (2025 OCF ~$13.1M; FCF ~$13.0M). Offsetting factors include multi-year margin/growth volatility, choppy FCF history (notably 2023), and missing/zeroed 2025 ratio fields (e.g., leverage/ROE and cash-flow ratios) that reduce transparency for the latest period.
Income Statement
84Very PositiveBalance Sheet
79PositiveCash Flow
76Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 29.13M | 33.10M | 27.77M | 22.77M | 17.60M | 14.09M |
| Gross Profit | 20.13M | 23.56M | 18.82M | 17.83M | 16.64M | 13.25M |
| EBITDA | 9.96M | 14.02M | 8.63M | 9.77M | 9.43M | 6.70M |
| Net Income | 7.84M | 10.98M | 6.79M | 7.16M | 6.90M | 4.83M |
Balance Sheet | ||||||
| Total Assets | 522.29M | 607.56M | 507.61M | 430.13M | 406.36M | 410.81M |
| Cash, Cash Equivalents and Short-Term Investments | 0 | 7.43M | 0 | 51.83M | 53.10M | 106.89M |
| Total Debt | 0 | 149.15K | 4.18M | 57.40K | 65.45K | 274.46K |
| Total Liabilities | -55.19M | 542.27M | 452.42M | 380.73M | 363.87M | 370.82M |
| Stockholders Equity | 55.19M | 65.29M | 55.19M | 49.40M | 42.49M | 39.99M |
Cash Flow | ||||||
| Free Cash Flow | 0 | 12.97M | 11.63M | 5.28M | 6.34M | 6.09M |
| Operating Cash Flow | 0 | 13.09M | 11.96M | 5.43M | 8.73M | 6.73M |
| Investing Cash Flow | 0 | -87.42M | -67.18M | -16.55M | -55.84M | -54.78M |
| Financing Cash Flow | 0 | 86.90M | 68.66M | 14.59M | -7.40M | 80.80M |
blueharbor bank Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BLHK, the sentiment is Positive. The current price of 49.47 is above the 20-day moving average (MA) of 49.15, above the 50-day MA of 44.93, and above the 200-day MA of 41.76, indicating a bullish trend. The MACD of 1.17 indicates Positive momentum. The RSI at 58.22 is Neutral, neither overbought nor oversold. The STOCH value of 33.49 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BLHK.
blueharbor bank Peers Comparison
Overall Rating
LSBK79Outperform- BLHK79Outperform
MGYR78Outperform
WSBK70Outperform
BOTJ69Neutral
PNBK52Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| LSBK | 79Outperform | $145.26M | 16.65 | 5.85% | 1.90% | 4.31% | 24.65% |
| BLHK | 79Outperform | $148.63M | 10.87 | 20.69% | 3.61% | 19.53% | 35.79% |
| MGYR | 78Outperform | $140.60M | 10.75 | 10.23% | 1.91% | 8.91% | 30.08% |
| WSBK | 70Outperform | $124.02M | 26.07 | 3.96% | ― | 18.75% | 578.67% |
| BOTJ | 69Neutral | $115.36M | 9.39 | 14.94% | 1.61% | 7.06% | 52.33% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| PNBK | 52Neutral | $106.34M | -26.68 | -0.79% | ― | 36.13% | 99.12% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| BLHK | blueharbor bank | 49.47 | 18.36 | 58.99% | |
| BOTJ | Bank Of The James Financial Group, Inc. | 24.77 | 8.28 | 50.21% | |
| LSBK | Lake Shore Bancorp | 18.99 | 5.05 | 36.28% | |
| MGYR | Magyar Bancorp | 21.94 | 5.73 | 35.37% | |
| PNBK | Patriot National Bancorp | 0.87 | -0.24 | -21.71% | |
| WSBK | Winchester Bancorp, Inc. | 13.82 | 4.25 | 44.41% |
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Oct 07, 2026