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blueharbor bank (BLHK) AI Stock Analysis
blueharbor bank
(Other OTC:BLHK)
The overall score is driven primarily by BlueHarbor Bank’s strong profitability, low leverage, and reliable cash generation, supported by a reasonable valuation with a solid dividend, while near-term upside is tempered by overbought technical conditions that increase the risk of a short-term price correction.
blueharbor bank (BLHK) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $145.69M
- Dividend Yield
- 3.05%
- Average Volume (3M)
- 7,824
- Price to Earnings (P/E)
- 10.9
- Beta (1Y)
- 0.46
- 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 revenue growth, high and stable net profit margins, rising equity, and consistently robust operating and free cash flow indicate solid, low-leverage financial health with only modest margin pressure.
Income Statement
88Very PositiveBalance Sheet
92Very PositiveCash Flow
85Very 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 | 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 49.23 is above the 20-day moving average (MA) of 48.30, above the 50-day MA of 43.85, and above the 200-day MA of 41.26, indicating a bullish trend. The MACD of 1.74 indicates Positive momentum. The RSI at 66.09 is Neutral, neither overbought nor oversold. The STOCH value of 65.55 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
- BLHK84Outperform
MGYR78Outperform
LSBK75Outperform
WSBK70Outperform
BOTJ69Neutral
PNBK52Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| BLHK | 84Outperform | $148.53M | 10.87 | 20.69% | 3.05% | 19.53% | 35.79% |
| MGYR | 78Outperform | $143.96M | 11.04 | 10.23% | 1.70% | 8.91% | 30.08% |
| LSBK | 75Outperform | $145.41M | 16.69 | 7.78% | 1.93% | 4.31% | 24.16% |
| WSBK | 70Outperform | $119.54M | 25.17 | 3.96% | ― | 18.75% | 578.67% |
| BOTJ | 69Neutral | $107.95M | 8.97 | 14.94% | 1.68% | 7.06% | 52.33% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| PNBK | 52Neutral | $102.88M | -11.09 | -7.10% | ― | 15.58% | 99.36% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| BLHK | blueharbor bank | 49.23 | 18.34 | 59.36% | |
| BOTJ | Bank Of The James Financial Group, Inc. | 23.76 | 7.07 | 42.39% | |
| LSBK | Lake Shore Bancorp | 18.69 | 4.83 | 34.80% | |
| MGYR | Magyar Bancorp | 22.30 | 5.42 | 32.14% | |
| PNBK | Patriot National Bancorp | 0.83 | -0.40 | -32.36% | |
| WSBK | Winchester Bancorp, Inc. | 13.34 | 3.71 | 38.53% |
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