Want to see BLHK full AI Analyst Report?
Top Page
blueharbor bank
(OTC:BLHK)
Select Model
Select Model
Rating:79Outperform
Price Target:
$56.00
▲(31.61% Upside)
Action:Reiterated
Date:10/07/26
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.
Positive Factors
Revenue and profit growth
Accelerating revenue and strong profitability indicate improving operating scale and customer or business activity. The rebound in net and EBIT margins provides internal funding capacity, supports reinvestment, and suggests the bank can compound earnings over the next several quarters if growth persists.
Negative Factors
Margin volatility
The wide swings in profitability show that earnings power has not been consistently stable across periods. Although margins rebounded in 2025, another change in the operating environment could pressure results, making future earnings less predictable than the latest figures suggest.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and profit growth
Accelerating revenue and strong profitability indicate improving operating scale and customer or business activity. The rebound in net and EBIT margins provides internal funding capacity, supports reinvestment, and suggests the bank can compound earnings over the next several quarters if growth persists.
Read all positive factors
blueharbor bank (BLHK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$146.48M
Dividend Yield3.13%
Average Volume (3M)6.04K
Price to Earnings (P/E)11.0
Beta (1Y)0.41
Revenue Growth19.92%
EPS Growth44.97%
CountryUS
Employees40
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.66
Shares Outstanding3,017,164
10 Day Avg. Volume11,252
30 Day Avg. Volume6,042
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 Cap0.90
Enterprise Value/Revenue4.50
Enterprise Value/Gross Profit6.52
Enterprise Value/Ebitda13.17
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 | 522.29M | 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
42.55
Price Trends
41.88
Positive
42.29
Positive
39.79
Positive
Market Momentum
0.71
Negative
77.25
Negative
70.45
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 42.55 is above the 20-day moving average (MA) of 41.27, above the 50-day MA of 41.88, and above the 200-day MA of 39.79, indicating a bullish trend. The MACD of 0.71 indicates Negative momentum. The RSI at 77.25 is Negative, neither overbought nor oversold. The STOCH value of 70.45 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 |
|---|---|---|---|---|---|---|---|
79 Outperform | $146.48M | 10.96 | 19.80% | 3.13% | 19.92% | 44.97% | |
79 Outperform | $123.90M | 10.71 | 14.30% | 1.48% | 6.20% | 60.60% | |
76 Outperform | $141.29M | 16.03 | 5.91% | 2.01% | 5.96% | 49.37% | |
75 Outperform | $125.04M | 10.04 | 9.59% | 1.99% | 7.51% | 20.96% | |
70 Outperform | $115.68M | 25.88 | 3.72% | ― | 16.05% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
52 Neutral | $114.36M | -12.34 | -7.10% | 0.33% | 15.58% | 99.36% |
* Financial Sector Average
BLHK
blueharbor bank
47.90
18.83
64.80%
BOTJ
Bank Of The Jame Financial
27.09
11.52
73.99%
LSBK
Lake Shore Bancorp
17.95
5.29
41.77%
MGYR
Magyar Bancorp
19.08
2.29
13.66%
PNBK
Patriot National Bancorp
0.93
-0.37
-28.77%
WSBK
Winchester Bancorp, Inc.
12.94
3.25
33.54%
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.