BlueHarbor BankBLHK -1.93%59 PB Ratio is 1.93 as of Jul. 10, 2026, which is 62% above its 10-year median of 1.19. GuruFocus rates BLHK with a GF Score™ of 59/100 and a GF Value™ of $31.37 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,515 Banks companies, BlueHarbor Bank ranks worse than 87.85% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-07-10), BlueHarbor Bank's share price is $43.10. BlueHarbor Bank's Book Value per Share for the quarter that ended in Mar. 2026 was $22.27. Hence, BlueHarbor Bank's PB Ratio of today is 1.93.
Warning Sign:
BlueHarbor Bank stock PB Ratio (=1.98) is close to 5-year high of 1.98.
The historical rank and industry rank for BlueHarbor Bank's PB Ratio or its related term are showing as below:
BLHK'
s PB Ratio Range Over the Past 10 Years
Min: 0.99 Med: 1.19 Max: 1.98
Current: 1.94
During the past 9 years, BlueHarbor Bank's highest PB Ratio was 1.98. The lowest was 0.99. And the median was 1.19.
BLHK's PB Ratio is ranked worse than 87.85% of 1515
companies
in the Banks industry
Industry Median: 1.1
vs BLHK: 1.94
During the past 12 months, BlueHarbor Bank's average Book Value Per Share Growth Rate was 14.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 15.10% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 12.20% per year.
During the past 9 years, the highest 3-Year average Book Value Per Share Growth Rate of BlueHarbor Bank was 15.10% per year. The lowest was 9.60% per year. And the median was 11.30% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
BlueHarbor Bank PB Ratio Related Terms
BlueHarbor Bank PB Ratio Historical Data
* Premium members only.
The historical data trend for BlueHarbor Bank's PB Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, BlueHarbor Bank's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
BlueHarbor Bank PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, BlueHarbor Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where BlueHarbor Bank's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
BlueHarbor Bank's PB Ratio for today is calculated as follows:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
BlueHarbor Bank (BLHK) has a PB Ratio of 1.93 as of Jul. 10, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on BlueHarbor Bank and its competitors. This is 62% above median its historical median of 1.19. Over the past decade, BlueHarbor Bank's PB Ratio has ranged from 0.99 to 1.98. According to the industry distribution chart, BlueHarbor Bank ranks #1331 out of 1515 companies in the Banks industry, placing it in the top 87.9%.
Is BlueHarbor Bank's PB Ratio too high?
BlueHarbor Bank's current PB Ratio of 1.93 is 62% above median its 10-year median of 1.19. Over the past 10 years, this metric has ranged from a low of 0.99 to a high of 1.98. The Banks industry median PB Ratio is 1.10. BlueHarbor Bank's value of 1.93 is 75.5% above this industry median. Based on the distribution chart, BlueHarbor Bank ranks #1331 out of 1515 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, BlueHarbor Bank has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BlueHarbor Bank's PB Ratio compare to HYNE and BNCC?
According to the Banks industry distribution chart, BlueHarbor Bank ranks #1331 out of 1515 companies for PB Ratio. This places BlueHarbor Bank in the lower half of its industry. The industry median PB Ratio is 1.10. BlueHarbor Bank's value of 1.93 is 75.5% above this benchmark. Historically, BlueHarbor Bank's own PB Ratio has ranged from 0.99 to 1.98 over the past decade. While the company's 10-year median is 1.19 vs. the industry median of 1.10, BlueHarbor Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.10, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BlueHarbor Bank's current PB Ratio of 1.93 is 75.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on BlueHarbor Bank and its competitors. For the Banks industry, the median PB Ratio is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BlueHarbor Bank's current PB Ratio is 1.93, which is 62% above median its own 10-year median of 1.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BlueHarbor Bank stock overvalued right now?
Based on GuruFocus' analysis, BlueHarbor Bank (BLHK) is currently considered Significantly Overvalued. The stock's GF Value™ is $31.37, compared to a current price of $43.10 — trading 37.4% above its estimated fair value. The current PB Ratio is 1.93, which is 62% above median its 10-year median of 1.19 and 75.5% above the Banks industry median of 1.10. BlueHarbor Bank's overall GF Score™ is 59/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For BlueHarbor Bank (BLHK), the current PB Ratio is 1.93 as of Jul. 10, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is BlueHarbor Bank (BLHK) Overvalued in 2026?
Based on GuruFocus' analysis, BlueHarbor Bank stock appears to be overvalued.
The current stock price of $43.10 is trading 37.4% above its estimated GF Value™ of $31.37.
GuruFocus considers BlueHarbor Bank to be Significantly Overvalued.
Key valuation signals for BLHK:
PB Ratio: 1.93 (62% above median its 10-year median of 1.19)
GF Value™: $31.37 vs. price of $43.10 (37.4% above fair value)
Industry Position: 75.5% above the Banks median (#1331 of 1515)
No single metric tells the full story. See the BLHK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BlueHarbor Bank provides personal and commercial banking products and online banking services, and also e-blue online banking. It provides various banking products and services. It accepts personal and business checking, savings, and investment accounts and offers personal loans and business loans. The company also provides credit cards, remote deposit capture, and merchant services. The Bank currently serves Iredell and Surry Counties, North Carolina, and surrounding areas through its banking offices in Mooresville, Statesville, and Mount Airy, North Carolina.
59GF Score
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