blueharbor bank (BLHK) Fair Value & Analysis

Financial Services · US · Market cap $125M

A solid business, currently priced close to our fair value.

What matters now

• The price sits close to our fair value, market and models broadly agree here, little valuation tension.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 25, 2026.

How to read this chart

60‑month range $3.42 – $44.20 · fair‑value band $36.18 – $60.30 · the $43.95 price screens below the $48.24 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 25, 2026.

Full chart & analysis →

Which stocks are undervalued right now? Check free Discover now →

Analysis

blueharbor bank (BLHK) currently trades at $43.95, while our model-based Fair Value estimate is $48.24, implying the stock looks roughly 9.8% fairly valued today. The Quality Score stands at 57/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, blueharbor bank generated revenue of $24.7M at a net margin of 48.2%. Revenue grew 23.6% year over year. It earns a return on equity of 18.2%. The balance sheet holds a net cash position of $32.8M. Fundamentals as of Jul 25, 2026

Our scenario range runs from $36.18 (bear case) to $60.30 (bull case); at $43.95, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 78% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 10%, BLHK screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples ($30.89) versus Asset-Based ($14.78). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

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

Full company description

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

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

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.

Watch BLHK: get an alert when its fair value changes →

Peer Group

Banks - Regional · 1083 stocks

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.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 25, 2026).

Explore undervalued stocks

More undervalued Financial Services stocks →

Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.