blueharbor bank (BLHK)
OTHER OTC:BLHK
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blueharbor bank
(OTC:BLHK)
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Rating:81Outperform
Price Target:
$45.00
▲(36.36% Upside)
Action:Reiterated
Date:03/31/26
The score is driven primarily by strong financial performance (profitability and improved 2025 cash generation, with a conservatively levered balance sheet) and supported by attractive valuation (low P/E and solid dividend yield). Technicals are constructive with price above major moving averages, though near-term momentum signals are mixed and some key 2025 financial ratios are missing, tempering the overall score.
Positive Factors
Revenue & Margin Rebound
Sustained top-line growth to ~$33.1M and a material 2025 margin rebound (net ~33%, EBIT ~42%) indicate improving core economics. Higher, durable margins boost cash generation and reinvestment capacity, strengthening long-term earnings power and competitive positioning.
Negative Factors
Margin & Growth Volatility
Historical swings in margins and uneven growth reduce predictability of future earnings and complicate capital allocation. If margins are sensitive to rate or fee mix shifts, sustained volatility can impair long-term profitability and investor confidence in steady cash returns.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & Margin Rebound
Sustained top-line growth to ~$33.1M and a material 2025 margin rebound (net ~33%, EBIT ~42%) indicate improving core economics. Higher, durable margins boost cash generation and reinvestment capacity, strengthening long-term earnings power and competitive positioning.
Read all positive factors
blueharbor bank (BLHK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$125.11M
Dividend Yield1.47%
Average Volume (3M)940.00
Price to Earnings (P/E)10.5
Beta (1Y)0.34
Revenue Growth19.37%
EPS Growth51.79%
CountryUS
Employees38
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.66
Shares Outstanding2,913,277
10 Day Avg. Volume101
30 Day Avg. Volume940
Financial Highlights & Ratios
PEG Ratio0.13
Price to Book (P/B)1.39
Price to Sales (P/S)2.75
P/FCF Ratio7.01
Enterprise Value/Market Cap0.96
Enterprise Value/Revenue4.12
Enterprise Value/Gross Profit5.96
Enterprise Value/Ebitda12.06
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 acquis...
blueharbor bank Financial Statement Overview
Summary
Income Statement
84
Very Positive
Balance Sheet
79
Positive
Cash Flow
76
Positive
| 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 | 0.00 | 607.56M | 507.61M | 430.13M | 406.36M | 410.81M |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 7.43M | 0.00 | 51.83M | 53.10M | 106.89M |
| Total Debt | 0.00 | 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 | 0.00 | 12.97M | 11.63M | 5.28M | 6.34M | 6.09M |
| Operating Cash Flow | 0.00 | 13.09M | 11.96M | 5.43M | 8.73M | 6.73M |
| Investing Cash Flow | 0.00 | -87.42M | -67.18M | -16.55M | -55.84M | -54.78M |
| Financing Cash Flow | 0.00 | 86.90M | 68.66M | 14.59M | -7.40M | 80.80M |
blueharbor bank Technical Analysis
Positive
33.00
Price Trends
41.86
Positive
39.26
Positive
34.91
Positive
Market Momentum
0.13
Positive
58.92
Neutral
32.01
Neutral
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 33 is below the 20-day moving average (MA) of 42.60, below the 50-day MA of 41.86, and below the 200-day MA of 34.91, indicating a bullish trend. The MACD of 0.13 indicates Positive momentum. The RSI at 58.92 is Neutral, neither overbought nor oversold. The STOCH value of 32.01 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | $125.11M | 10.54 | 20.36% | 1.47% | 19.37% | 51.79% | |
72 Outperform | $88.52M | 14.75 | 5.92% | 2.08% | 3.98% | -20.75% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $89.53M | 15.11 | 5.95% | ― | -5.51% | ― | |
63 Neutral | $92.50M | 11.29 | 11.80% | 6.51% | 7.19% | 9.14% | |
48 Neutral | $99.55M | 19.22 | 3.14% | 2.88% | -3.63% | ― |
* Financial Sector Average
BLHK
blueharbor bank
42.95
17.69
70.05%
SSBI
Summit State Bank
13.41
3.56
36.14%
UBCP
United Bancorp
16.00
3.12
24.19%
FUSB
First US Bancshares
15.90
3.64
29.72%
FNWB
First Northwest Bancorp
10.48
1.89
22.00%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.