Blueharbor Bank (BLHK)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Blueharbor Bank (BLHK) trades at $44.00 with AI Score 51/100 (Grade B). Blueharbor Bank is a regional bank providing financial services to individuals and businesses in North Carolina. Market cap: $130.21M, Sector: Financial services.
Price live · AI analysis from May 31, 2026Analyst Coverage for BLHK: BLHK does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates BLHK against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
BLHK: the 1 perspectives are evenly split.
How is this calculated? →Blueharbor Bank (BLHK) Financial Services Profile
Blueharbor Bank, a regional bank based in North Carolina, provides traditional banking products and services, including personal and business accounts, loans, and online banking. Catering to Iredell and Mecklenburg counties, the bank distinguishes itself through community-focused service and a commitment to local economic development, operating with a moderate beta of 0.07.
What Is the Investment Thesis for BLHK?
Blueharbor Bank presents a compelling investment case rooted in its strong regional presence and profitability. With a P/E ratio of 10.7 and a profit margin of 34.3%, the bank demonstrates efficient operations. A dividend yield of 2.91% offers an income stream for investors. Growth catalysts include expansion of its loan portfolio and increased adoption of online banking services. However, potential risks include competition from larger banks and fluctuations in interest rates. The bank's focus on community banking and personalized service positions it well for continued growth within its target market.
Based on FMP financials and quantitative analysis
BLHK Key Highlights
- Market capitalization of $130.21M indicates a moderate valuation in the regional banking sector.
- P/E ratio of 10.7 suggests the company is reasonably valued compared to its earnings.
- Profit margin of 34.3% reflects efficient operations and profitability.
- Gross margin of 53.9% indicates strong revenue management.
- Dividend yield of 2.91% provides an attractive income stream for investors.
Who Are BLHK's Competitors?
BLHK is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| MCHB Mechanics Bank | $16.21 | +0.31% | 4B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| BUSE First Busey Corporation | $29.58 | -0.25% | $2.50B | 63 |
| PNBI Pioneer Bankshares, Inc. | $44.50 | +0.00% | $44.61M | 63 |
| LLDTF Lloyds Banking Group plc | $1.45 | +0.00% | $84.34B | 63 |
| FBVI FCN Banc Corp. | $35.87 | +0.17% | $61.78M | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are BLHK's Key Strengths?
- Strong local presence in Iredell and Mecklenburg counties.
- Personalized customer service.
- Community-focused approach.
- Experienced management team.
What Are BLHK's Weaknesses?
- Limited geographic reach.
- Smaller size compared to national banks.
- Dependence on local economy.
- OTC market listing
What Could Drive BLHK Stock Higher?
- Expansion of online banking services to attract new customers (Q4 2026).
- Continued growth in the local economy driving demand for loans.
- Strategic partnerships with local businesses to expand customer base.
What Are the Key Risks for BLHK?
- Financial-distress signal — its Altman Z-Score of 0.40 sits in the distress zone (elevated bankruptcy risk).
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Competition from larger banks and fintech companies.
- Fluctuations in interest rates impacting profitability.
- Economic downturn affecting loan portfolio quality.
- Regulatory compliance costs.
- Limited liquidity due to OTC market listing.
What Are the Growth Opportunities for BLHK?
- Expansion of Loan Portfolio: Blueharbor Bank can grow by expanding its loan portfolio, particularly in the small business and commercial real estate sectors. The market for small business loans in North Carolina is estimated to be $5 billion, with a projected annual growth rate of 4%. By offering competitive rates and personalized service, Blueharbor Bank can capture a larger share of this market. Timeline: 2-3 years.
- Increased Adoption of Online Banking: Blueharbor Bank can drive growth by increasing the adoption of its online banking services. The market for online banking is growing rapidly, with an estimated 70% of customers preferring to bank online. By investing in technology and improving the user experience, Blueharbor Bank can attract new customers and retain existing ones. Timeline: 1-2 years.
- Strategic Branch Expansion: Blueharbor Bank can expand its presence by opening new branches in strategic locations. The bank can target areas with high population growth and strong economic activity. Each new branch is projected to generate $10 million in deposits within the first year. Timeline: 3-5 years.
- Partnerships with Local Businesses: Blueharbor Bank can partner with local businesses to offer financial services to their employees and customers. This can include offering payroll services, employee benefits programs, and co-branded credit cards. These partnerships can generate new revenue streams and increase brand awareness. Timeline: 1-2 years.
- Enhanced Customer Service: Blueharbor Bank can differentiate itself by providing exceptional customer service. This can include offering personalized financial advice, resolving customer issues quickly, and building long-term relationships. Studies show that customers are willing to pay a premium for excellent customer service. Timeline: Ongoing.
What Opportunities Does BLHK Have?
- Expansion into new markets.
- Increased adoption of online banking.
- Partnerships with local businesses.
- Growth in the local economy.
What Threats Does BLHK Face?
- Competition from larger banks.
- Fluctuations in interest rates.
- Economic downturn.
- Increased regulatory scrutiny.
What Are BLHK's Competitive Advantages?
- Strong local presence and brand recognition.
- Personalized customer service.
- Long-term customer relationships.
- Community-focused approach.
What Does BLHK Do?
Blueharbor Bank was founded in 2008 and is headquartered in Mooresville, North Carolina. The bank provides a range of banking products and services to individuals and businesses. Its offerings include personal and business checking, savings, and investment accounts. The bank also provides personal loans, such as financing for residential lots and automobiles, and residential construction loans. Additionally, Blueharbor Bank offers business loans, including small business and commercial construction loans, and lines of credit. The bank also provides credit cards, remote deposit capture, and online banking services. Blueharbor Bank serves Iredell County, northern Mecklenburg County, and surrounding areas through its banking offices in Mooresville, Statesville, and Huntersville, North Carolina, as well as loan production offices in Belmont and Morehead City, North Carolina. The bank focuses on providing personalized service and building long-term relationships with its customers. It aims to support the local economy by providing financial solutions tailored to the needs of the community. With a market capitalization of $130.21M, Blueharbor Bank operates with a focus on profitability and stability.
What Products and Services Does BLHK Offer?
- Provides personal and business checking accounts.
- Offers savings and investment accounts.
- Provides personal loans for residential lots and automobiles.
- Offers residential construction loans.
- Provides small business and commercial construction loans.
- Offers lines of credit.
- Provides credit cards.
- Offers remote deposit capture and online banking services.
How Does BLHK Make Money?
- Generates revenue from interest income on loans.
- Earns fees from deposit accounts and other services.
- Manages risk through prudent lending practices.
- Focuses on building long-term customer relationships.
What Industry Does BLHK Operate In?
Blueharbor Bank operates in the regional banking sector, which is characterized by intense competition and evolving customer expectations. The industry is witnessing a shift towards digital banking and increased regulatory scrutiny. Regional banks like Blueharbor Bank face competition from larger national banks and fintech companies. However, they can differentiate themselves through personalized service and local market expertise. The regional banking sector is expected to grow at a moderate pace, driven by economic growth and increasing demand for financial services.
Who Are BLHK's Key Customers?
- Individuals residing in Iredell and Mecklenburg counties.
- Small businesses operating in the region.
- Commercial real estate developers.
- Local community organizations.
Blueharbor Bank (BLHK) Valuation Context
Valued at $130.21M, BLHK is classified as a micro-cap stock. Relative to its peer group, BLHK's quantitative score of 51/100 is below the peer average of 68/100.
BLHK Revenue & Earnings Trend
In Q1 2026, BLHK generated $9.2M in top-line revenue, marking a sequential increase of 1.1%. The company recorded net income of $3.3M, with diluted EPS of $1.11. Revenue has increased across the last three reported quarters, suggesting sustained momentum for this micro-cap Financial Services company. Across the four most recent quarters, BLHK averaged $0.99 in diluted EPS.
Company Profile
Blueharbor Bank operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Mooresville, US. The company is led by CEO Joe I. Marshall Jr.. BLHK has traded publicly since 2010.
ROE 20%Key Financial Metrics
Return on equity for Blueharbor Bank stands at 20.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 2.0%, showing how much profit it generates from its asset base. BLHK trades at a trailing price-to-earnings ratio of 10.67, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. Its earnings yield is 9.5%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 3/9Financial Health
Blueharbor Bank's Piotroski F-Score is 3/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of 0.40 places it in the distress zone, a signal of elevated financial risk.
BLHK Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong local presence in Iredell and Mecklenburg counties.
- Personalized customer service.
- Community-focused approach.
- Experienced management team.
Bear Case
- Limited geographic reach.
- Smaller size compared to national banks.
- Dependence on local economy.
- OTC market listing
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $9M | $3M | $1.11 |
| Q4 2025 | $9M | $3M | $1.07 |
| Q3 2025 | $9M | $3M | $0.95 |
| Q2 2025 | $8M | $3M | $0.83 |
Based on FMP financials and quantitative analysis
BLHK Latest News
No recent news available for BLHK.
BLHK Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for BLHK.
Price Targets
Wall Street price target analysis for BLHK.
BLHK MoonshotScore
What does this score mean?
The MoonshotScore rates BLHK's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Joe I. Marshall Jr.
CEO
Joe I. Marshall Jr. serves as a key leader at Blueharbor Bank, managing a team of 38 employees. His background includes extensive experience in the banking sector, with a focus on community banking and local economic development. He has held various leadership positions in regional banks, demonstrating a strong track record in financial management and strategic planning. Marshall is committed to providing personalized service and building long-term relationships with customers.
Track Record: Under Joe I. Marshall Jr.'s leadership, Blueharbor Bank has maintained a strong focus on profitability and stability. Key achievements include expanding the bank's loan portfolio and increasing the adoption of online banking services. He has also overseen the opening of new loan production offices in Belmont and Morehead City, North Carolina, further expanding the bank's reach.
BLHK OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Blueharbor Bank may not meet the minimum financial standards or reporting requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited information available to investors, and trading activity can be sporadic. Unlike NYSE or NASDAQ-listed companies, OTC Other firms often have less stringent listing standards, leading to increased risk and potential for speculative trading. Investors should exercise caution and conduct thorough due diligence before investing in OTC Other stocks.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure.
- Low trading volume and liquidity.
- Potential for price manipulation.
- Higher risk of fraud or scams.
- Less regulatory oversight compared to listed exchanges.
- Verify the company's financial statements.
- Research the management team and their track record.
- Assess the company's business model and competitive landscape.
- Review the company's filings with the SEC or other regulatory agencies.
- Check for any legal or regulatory issues.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor.
- Established banking operations in North Carolina.
- Positive customer reviews and testimonials.
- Membership in industry associations.
- Active participation in community events.
- Audited financial statements (if available).
Blueharbor Bank Financial Services Stock: Key Questions Answered
What does Blueharbor Bank do?
Blueharbor Bank is a regional bank that provides a range of financial products and services to individuals and businesses in North Carolina. These include personal and business checking and savings accounts, various loan products like residential and commercial construction loans, credit cards, and online banking services. The bank focuses on serving the Iredell and Mecklenburg counties and surrounding areas, emphasizing personalized customer service and community involvement to differentiate itself from larger national banks.
What do analysts say about BLHK stock?
Given that Blueharbor Bank trades on the OTC market, analyst coverage may be limited. However, key valuation metrics such as the P/E ratio of 10.7 and a profit margin of 34.3% suggest a reasonably valued and profitable operation. Growth considerations include the bank's ability to expand its loan portfolio and increase adoption of online banking services. Investors should conduct their own due diligence and consider the risks associated with OTC stocks.
What are the main risks for BLHK?
The main risks for Blueharbor Bank include competition from larger banks and fintech companies, fluctuations in interest rates, and the potential for an economic downturn affecting loan portfolio quality. Additionally, as an OTC-listed company, Blueharbor Bank faces risks related to limited liquidity, potential price manipulation, and less regulatory oversight. Investors should carefully consider these risks before investing in BLHK.
What are the key factors to evaluate for BLHK?
Blueharbor Bank (BLHK) holds an AI score of 51/100 (moderate). P/E: 10.7x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does BLHK data refresh on this page?
BLHK prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven BLHK's recent stock price performance?
Blueharbor Bank (BLHK) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in Iredell and Mecklenburg counties. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider BLHK overvalued or undervalued right now?
Blueharbor Bank (BLHK) trades at 10.7x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying BLHK?
Before investing in Blueharbor Bank (BLHK), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- OTC market data may be less reliable than exchange-listed data.