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blueharbor bank (BLHK) Fair Value & Analysis

Financial Services · US · Market cap $125M

Price$42.25
Fair Value$48.24
Upside+14.2%
Quality95/100
Evidence: High Range $36.18 – $60.30

Fair value as of: Jun 26, 2026

Analysis

blueharbor bank (BLHK) currently trades at $42.25, while our model-based Fair Value estimate is $48.24 — implying the stock looks roughly 14.2% undervalued today. We read business quality at 95/100 (high 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.

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. 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.

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Frequently asked questions

Is blueharbor bank (BLHK) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $48.24 versus a price of $42.25 — about +14% (undervalued). Model-based estimate, not financial advice.
What is the fair value of BLHK?
Our 21-model fair value for blueharbor bank is $48.24 (as of Jun 26, 2026), built from audited fundamentals. The current price is $42.25.
What is the quality score of BLHK?
blueharbor bank has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

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.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.