OTCPK:BLHK

Stock Analysis Report

Executive Summary

blueharbor bank provides various banking products and services.

Snowflake

Fundamentals

Flawless balance sheet with proven track record.

Risks

  • blueharbor bank is not covered by any analysts.

Share Price & News

How has blueharbor bank's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:BLHK

-2.5%

US Banks

-0.7%

US Market


1 Year Return

1.2%

OTCPK:BLHK

-14.2%

US Banks

-0.5%

US Market

BLHK outperformed the Banks industry which returned -14.2% over the past year.

BLHK outperformed the Market in United States of America which returned -0.4% over the past year.


Share holder returns

BLHKIndustryMarket
7 Day0%-2.5%-0.7%
30 Day0.2%-6.1%-3.0%
90 Day-0.9%-3.8%0.9%
1 Year1.2%1.2%-11.8%-14.2%1.7%-0.5%
3 Year67.5%67.5%42.1%32.4%39.5%30.4%
5 Year18.2%18.2%53.3%36.7%54.1%37.0%

Price Volatility Vs. Market

How volatile is blueharbor bank's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is blueharbor bank undervalued based on future cash flows and its price relative to the stock market?

14.59x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

blueharbor bank's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

blueharbor bank's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

blueharbor bank is overvalued based on earnings compared to the US Banks industry average.

blueharbor bank is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for blueharbor bank, we can't assess if its growth is good value.


Price Based on Value of Assets

blueharbor bank is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is blueharbor bank expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

10.5%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if blueharbor bank is high growth as no revenue estimate data is available.

blueharbor bank's earnings are expected to grow by 10.5% yearly, however this is not considered high growth (20% yearly).

Unable to compare blueharbor bank's revenue growth to the United States of America market average as no estimate data is available.

blueharbor bank's earnings growth is positive but not above the United States of America market average.

blueharbor bank's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if blueharbor bank will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has blueharbor bank performed over the past 5 years?

20.1%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

blueharbor bank has delivered over 20% year on year earnings growth in the past 5 years.

blueharbor bank's 1-year earnings growth exceeds its 5-year average (39.3% vs 20.1%)

blueharbor bank's earnings growth has exceeded the US Banks industry average in the past year (39.3% vs 33.3%).


Return on Equity

blueharbor bank has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

blueharbor bank used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if blueharbor bank improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is blueharbor bank's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

blueharbor bank has an acceptable proportion of non-loan assets held.

blueharbor bank has a sufficient allowance for bad loans.

blueharbor bank's liabilities are made up of primarily low risk sources of funding.

blueharbor bank's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at blueharbor bank are broadly funded by customer deposits.

blueharbor bank has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is blueharbor bank's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate blueharbor bank's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate blueharbor bank's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as blueharbor bank has not reported any payouts.

Unable to verify if blueharbor bank's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as blueharbor bank has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of blueharbor bank's salary, the management and board of directors tenure and is there insider trading?

10.8yrs

Average management tenure


CEO

Jim Marshall (59yo)

11.6yrs

Tenure

0

Mr. Joe I. Marshall, Jr., also known as Jim, serves as the Chief Executive Officer and President of BlueHarbor Bank. Mr. Marshall served as Executive Vice President and Chief Credit Officer of Community Ba ...


Management Age and Tenure

10.8yrs

Average Tenure

53.5yo

Average Age

The average tenure for the blueharbor bank management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

11.6yrs

Average Tenure

60yo

Average Age

The average tenure for the blueharbor bank board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Jim Marshall (59yo)

    President

    • Tenure: 11.6yrs
  • Patricia Wooten (57yo)

    Corporate Secretary and Executive Assistant

    • Tenure: 0.0yrs
  • Chris Nichols (50yo)

    Senior VP & Senior Commercial Lender

    • Tenure: 7.6yrs
  • Carl Larson (48yo)

    CFO & Senior VP

    • Tenure: 10.8yrs
  • Don Flowe

    Chief Credit Officer & Senior VP

    • Tenure: 0.0yrs
  • Sandi Long

    VP & Compliance Manager

    • Tenure: 0.0yrs
  • Doug Hendrix

    Senior VP & Statesville Market Executive

    • Tenure: 0.0yrs
  • Steve Howard

    Senior VP & Senior Commercial Lender

    • Tenure: 0.0yrs

Board Members

  • Jim Marshall (59yo)

    President

    • Tenure: 11.6yrs
  • Riley Sloan (66yo)

    Director

    • Tenure: 0.0yrs
  • Daniel Cerminara (42yo)

    Director

    • Tenure: 5.8yrs
  • Abigail Jennings (50yo)

    Director

    • Tenure: 11.6yrs
  • Rock Pickard (61yo)

    Director

    • Tenure: 11.6yrs
  • Louis Stanfield

    Director

    • Tenure: 0.0yrs
  • Rick Teague

    Director

    • Tenure: 0.0yrs
  • Bill Pope (77yo)

    Vice Chairman of the Board

    • Tenure: 9.2yrs
  • Kelley Miller

    Chairman

    • Tenure: 0.0yrs
  • William Marshall

    Incorporating Director

    • Tenure: 0.0yrs

Company Information

blueharbor bank's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: blueharbor bank
  • Ticker: BLHK
  • Exchange: OTCPK
  • Founded: 2008
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$36.440m
  • Shares outstanding: 2.90m
  • Website: https://www.blueharborbank.com

Number of Employees


Location

  • blueharbor bank
  • 106 Corporate Park Drive
  • Mooresville
  • North Carolina
  • 28117
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BLHKOTCPK (Pink Sheets LLC)YesCommon SharesUSUSDJul 2008

Biography

blueharbor bank provides various banking products and services. The company accepts personal and business checking, savings, and investment accounts; and offers personal loans and business loans. It also p ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/19 00:21
End of Day Share Price2019/08/05 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.