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Blueharbor Bank (BLHK) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Blueharbor Bank stock $28.41, price $48.50, that is 41.4% below the price, quality 57 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

BB Blueharbor Bank logo Broad data Nov 8, 2026

Blueharbor Bank

BLHK · US
Solid, but very expensive

Our calculation puts a fair price 41% below what the stock costs today.

Highly profitable · 49.6% net margin (TTM)
Broad data
Last quarter vs. a year ago: revenue +24%, profit +40%.
Quality 57/100
Mixed Growth (revenue 5y +17.4 %/yr in USD)
Mixed vs. peers (8/14)
Wide moat 71/100 · thin data
Fair value $28.41 · Strongly overvalued
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$50.59 $3.42 Fair Value $28.41 Feb 2012 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $3.42 – $50.59 · fair‑value band $21.56 – $45.04 · the $48.50 price screens above the $28.41 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

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Company profile

blueharbor bank provides various banking products and services in North Carolina.

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It offers personal and business checking, savings, and investment accounts; time deposits; and personal loans, such as home equity line of credit and home mortgages, as well as business loans comprising small business and commercial construction loans, and lines of credit.

The company also provides overdrafts, wealth management and financial planning services, trade execution, domestic wires, remote deposit capture, positive pay, online banking services, merchant, and ACH services, as well as debit and credit cards.

It serves Iredell and Surry Counties and surrounding areas through its banking offices in Mooresville, Statesville, and Mount Airy, North Carolina; and loan production offices in Belmont and Hickory, North Carolina.

The company was incorporated in 2008 and is headquartered in Mooresville, North Carolina.

Stock analysis

Blueharbor Bank (BLHK) currently trades at $48.50, while our model-based Fair Value estimate is $28.41, 41% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $37.14 per share, and 0 of the 6 models we run sit above the $48.50 price.

Bear case: the Dividend Discount group reads lowest at $6.48, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $21.56 (bear) to $45.04 (bull), the price of $48.50 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 57/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Blueharbor Bank reported revenue of $24.3M in FY2025 versus $13.2M in FY2021, a compound +16.5%/yr. Reported net income was $11.0M in FY2025, compounding +22.8%/yr from FY2021.

Key figures

Market cap $144M Micro · P/E ratio 10.9 · P/S ratio 5.50 · EPS (TTM) $4.44 · Net margin 49.6% · Return on equity 18.2% · Return on assets (EBIT) 1.3% (5-year average) · Operating margin 65.2%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 71 out of 100 (low confidence).

What moves the price

The share trades about 4% below its 52-week high and 62% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −29% fair-value upside, at −41%, BLHK screens richer than that median.

Fair Value models

Bear $21.56 Fair Value $28.41 Bull $45.04
Price $48.50 · Downside -41.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($3.81 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $21.56 $28.41 $45.04 74
Gordon GGM $3.80 $6.75 $9.20 68
DDM Multi-Stage $3.80 $6.21 $7.23 67
All 6 models by family
Dividend Discount
Gordon GGM $3.80 $6.75 $9.20 68
DDM Multi-Stage $3.80 $6.21 $7.23 67
Multiples
P/E Multiple $36.18 $48.24 $60.30 63
P/B Multiple $19.53 $26.03 $32.54 55
Asset-Based
NCAV (Graham) $11.03 $14.78 $22.06 54
Economic Profit
Residual Income $21.56 $28.41 $45.04 74

Open the full fair value analysis →

Quality Score breakdown

Overall quality 57/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 39
How much profit the company makes from its sales and capital
Quality Growth 45
Are margins and returns getting better?
Cashflow 87
Do the profits arrive as real cash?
Financial strength 23
Debt, balance sheet and risk of trouble
Investment 51
Does it invest with discipline instead of growing at any price?
Low Volatility 75
How calm the share price moves, does not count
Price momentum 75
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 97
Distance to the 52-week high, does not count
New shares 81
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 92/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+24.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.4%
Start year 2020 (pandemic). Over 10 years: +15.7% a year
Revenue growth 17 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+22.6%
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+22.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+22.5%
Dividend (yield on the price)0.0%
2025 sits 58% above its own trend. The rate follows the median trend of the last 5 years, not that single year.

BLHK screens overvalued: fair value 41% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 8/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 57 · Above median
Fair Value upside −41.4% · Bottom 25%
Profitability
Return on equity (12 months) 18.2% · Top 25%
Return on assets 1.8% · Top 25%
Net margin (12 months) 49.6% · Top 25%
Operating margin (12 months) 65.2% · Top 25%
Growth and dividend
Revenue growth (quarter YoY) 24.0% · Top 25%
Dividend yield (12 months) 0.0% · Bottom 25%
Balance sheet
Debt / equity 0.06× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 10.9× · Cheaper than median
P/B 2.20× · Priciest 25%
P/S (12 months) 5.50× · Priciest 25%
Price / free cash flow (fiscal year) 11.1× · Pricier than median
EV/EBITDA 17.2× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)100 · sector 47
PAST (return on equity)73 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 52

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.62 ¥7.59 +35% vs BLHK
China Merchants Bank Co 600036 ¥43.01 ¥52.73 +23% vs BLHK
BNP Paribas SA BNP €93.98 €106.01 +13% vs BLHK
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs BLHK
State Bank of India SBIN ₹1,042 ₹736.65 −29% vs BLHK
UniCredit S.p.A UCG €76.80 €50.44 −34% vs BLHK
Mizuho Financial Group MFG $9.40 $5.89 −37% vs BLHK
DBS Group D05 69.72 SGD 40.39 SGD −42% vs BLHK
HDFC Bank Limited HDFCBANK ₹798.15 ₹406.39 −49% vs BLHK
ICICI Bank Limited ICICIBANK ₹1,589 ₹615.63 −61% vs BLHK

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Blueharbor Bank: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Blueharbor Bank Fair Value". https://www.fairvalue-calculator.com/stock/BLHK

Frequently asked questions

Is Blueharbor Bank (BLHK) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $28.41 versus a price of $48.50, about 41% lower (overvalued).
What is the fair value of BLHK?
Our model-based fair value for Blueharbor Bank is $28.41 (as of Nov 8, 2026), built from audited fundamentals. The current price: $48.50.
What is the quality score of BLHK?
Blueharbor Bank has a Quality Score of 57/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Blueharbor Bank (BLHK)?
Our model-based price target is the fair value of $28.41 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $21.56, optimistic scenario $45.04. It is a calculation from audited fundamentals, not an analyst target.
What is the Blueharbor Bank stock forecast for 2026?
Our models put fair value at $28.41, about 41% lower versus a price of $48.50 (overvalued). Cautious scenario $21.56, optimistic scenario $45.04. The calculation is refreshed regularly with new filings.
What is the revenue of Blueharbor Bank (BLHK)?
Blueharbor Bank reported trailing-twelve-month revenue of about $26.1M (latest available figure, as of Nov 8, 2026).
What is the intrinsic value of Blueharbor Bank (BLHK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Blueharbor Bank it is $28.41 per share (as of Nov 8, 2026), against a price of $48.50. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Blueharbor Bank stock overvalued or undervalued in 2026?
As of Nov 8, 2026, BLHK trades above its calculated fair value: price $48.50, fair value $28.41, a gap of about −41% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BLHK?
No. The price is what the market pays today ($48.50); the fair value is what the company's own numbers justify ($28.41). For Blueharbor Bank the two are $20.09 per share apart. That gap is exactly why we show both numbers side by side.
How much is Blueharbor Bank worth?
The market values Blueharbor Bank at about $144M (market capitalisation, as of Nov 8, 2026). Per share that is $48.50; our models calculate a fair value of $28.41 per share.
What do the bullish and bearish scenarios say about BLHK?
Our models span a range for Blueharbor Bank: cautious scenario $21.56, base $28.41, optimistic $45.04 per share (as of Nov 8, 2026, price $48.50). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BLHK?
Blueharbor Bank trades at a price-to-earnings ratio of 10.9 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $28.41 is built from several models across several years. Median P/E at fiscal year-end, 7 fiscal years (2019 to 2025), reported earnings: 8.4. Other multiples: P/B 2.2, P/S 5.5, EV/EBITDA 17.2.
How solid is the balance sheet of Blueharbor Bank (BLHK)?
Balance-sheet figures for Blueharbor Bank (as of Nov 8, 2026): return on equity 18.2%, debt of 0.06 per unit of equity. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is BLHK from its 52-week high?
Blueharbor Bank trades at $48.50, about 4% below its 52-week high of $50.59 and 62% above the low of $29.86 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $28.41 is for.
Which stocks are comparable to Blueharbor Bank?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Blueharbor Bank stock attractive at the current price?
The data as of Nov 8, 2026: price $48.50, calculated fair value $28.41 (−41%), Quality Score 57/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BLHK calculated?
We run Blueharbor Bank through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $28.41 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Blueharbor Bank itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Blueharbor Bank (BLHK)?
The closing price on Nov 6, 2026 was $48.50. Our model-based fair value is $28.41, about 41% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Blueharbor Bank right now?
The price sits above even our optimistic bull case ($45.04). The favourable scenario is already priced in. Solid but not exceptional quality (57/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range ($21.56 to $45.04) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Blueharbor Bank

How large is the market capitalisation of Blueharbor Bank (BLHK)?
The market capitalisation of Blueharbor Bank is $144M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Blueharbor Bank (BLHK)?
The price-to-sales ratio of Blueharbor Bank is 5.50 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Blueharbor Bank (BLHK)?
Earnings per share at Blueharbor Bank are $4.44 (price ÷ EPS = P/E 10.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Blueharbor Bank (BLHK)?
The net margin of Blueharbor Bank is 49.6% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Blueharbor Bank (BLHK)?
The return on equity (ROE) of Blueharbor Bank is 18.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Blueharbor Bank (BLHK)?
On an EBIT basis the return on assets of Blueharbor Bank is 1.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Blueharbor Bank (BLHK)?
The operating margin of Blueharbor Bank is 65.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Blueharbor Bank (BLHK)?
Revenue at Blueharbor Bank is growing +24.0% versus a year earlier (3y avg +12.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Blueharbor Bank (BLHK)?
Earnings per share at Blueharbor Bank are growing +39.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Blueharbor Bank (BLHK) generate?
The free cash flow of Blueharbor Bank is $13.0M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Blueharbor Bank (BLHK) hold?
Blueharbor Bank holds more cash than debt, $32.8M net (fiscal year 2020). The company holds more cash than debt, a safety cushion.
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