BAR HARBOR BANKSHARES (BHB) Stock Fundamental Analysis

NYSEARCA:BHB • US0668491006

34.74 USD
+0.05 (+0.14%)
At close: Feb 20, 2026
34.74 USD
0 (0%)
After Hours: 2/20/2026, 8:18:41 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall BHB gets a fundamental rating of 3 out of 10. We evaluated BHB against 381 industry peers in the Banks industry. Both the profitability and financial health of BHB have multiple concerns. BHB has a valuation in line with the averages, but it does not seem to be growing. Finally BHB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • BHB had positive earnings in the past year.
  • BHB had a positive operating cash flow in the past year.
  • BHB had positive earnings in 4 of the past 5 years.
  • Of the past 5 years BHB 4 years had a positive operating cash flow.
BHB Yearly Net Income VS EBIT VS OCF VS FCFBHB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

1.2 Ratios

  • BHB has a worse Return On Assets (0.77%) than 62.80% of its industry peers.
  • BHB has a worse Return On Equity (6.94%) than 67.02% of its industry peers.
Industry RankSector Rank
ROA 0.77%
ROE 6.94%
ROIC N/A
ROA(3y)1.1%
ROA(5y)1.05%
ROE(3y)10.32%
ROE(5y)9.67%
ROIC(3y)N/A
ROIC(5y)N/A
BHB Yearly ROA, ROE, ROICBHB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • BHB's Profit Margin of 23.61% is in line compared to the rest of the industry. BHB outperforms 45.12% of its industry peers.
  • In the last couple of years the Profit Margin of BHB has grown nicely.
  • BHB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 23.61%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.45%
PM growth 5Y8.73%
GM growth 3YN/A
GM growth 5YN/A
BHB Yearly Profit, Operating, Gross MarginsBHB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • BHB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • BHB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
BHB Yearly Shares OutstandingBHB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
BHB Yearly Total Debt VS Total AssetsBHB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.2 Solvency

  • BHB has a debt to FCF ratio of 1.54. This is a very positive value and a sign of high solvency as it would only need 1.54 years to pay back of all of its debts.
  • BHB's Debt to FCF ratio of 1.54 is in line compared to the rest of the industry. BHB outperforms 54.62% of its industry peers.
  • A Debt/Equity ratio of 0.11 indicates that BHB is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.11, BHB is in the better half of the industry, outperforming 63.06% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.54
Altman-Z N/A
ROIC/WACCN/A
WACC12.33%
BHB Yearly LT Debt VS Equity VS FCFBHB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BHB Yearly Current Assets VS Current LiabilitesBHB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • BHB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -19.30%.
  • Measured over the past years, BHB shows a decrease in Earnings Per Share. The EPS has been decreasing by -7.54% on average per year.
EPS 1Y (TTM)-19.3%
EPS 3Y-7.54%
EPS 5YN/A
EPS Q2Q%-2.78%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%27.26%

3.2 Future

  • BHB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 26.78% yearly.
  • Based on estimates for the next years, BHB will show a quite strong growth in Revenue. The Revenue will grow by 8.25% on average per year.
EPS Next Y53.63%
EPS Next 2Y26.78%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.04%
Revenue Next 2Y8.25%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
BHB Yearly Revenue VS EstimatesBHB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M
BHB Yearly EPS VS EstimatesBHB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2021 2022 2023 2024 2025 2026 2027 1 2 3

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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 15.10, which indicates a correct valuation of BHB.
  • Compared to the rest of the industry, the Price/Earnings ratio of BHB indicates a slightly more expensive valuation: BHB is more expensive than 68.34% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of BHB to the average of the S&P500 Index (26.99), we can say BHB is valued slightly cheaper.
  • The Price/Forward Earnings ratio is 9.83, which indicates a very decent valuation of BHB.
  • 71.24% of the companies in the same industry are more expensive than BHB, based on the Price/Forward Earnings ratio.
  • BHB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.06.
Industry RankSector Rank
PE 15.1
Fwd PE 9.83
BHB Price Earnings VS Forward Price EarningsBHB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 60.95% of the companies in the same industry are cheaper than BHB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 14.91
EV/EBITDA N/A
BHB Per share dataBHB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as BHB's earnings are expected to grow with 26.78% in the coming years.
PEG (NY)0.28
PEG (5Y)N/A
EPS Next 2Y26.78%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. Dividend

5.1 Amount

  • BHB has a Yearly Dividend Yield of 3.69%.
  • BHB's Dividend Yield is a higher than the industry average which is at 2.79.
  • Compared to an average S&P500 Dividend Yield of 1.81, BHB pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.69%

5.2 History

  • On average, the dividend of BHB grows each year by 6.32%, which is quite nice.
  • BHB has paid a dividend for at least 10 years, which is a reliable track record.
  • BHB has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)6.32%
Div Incr Years21
Div Non Decr Years29
BHB Yearly Dividends per shareBHB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 54.11% of the earnings are spent on dividend by BHB. This is a bit on the high side, but may be sustainable.
  • BHB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP54.11%
EPS Next 2Y26.78%
EPS Next 3YN/A
BHB Yearly Income VS Free CF VS DividendBHB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
BHB Dividend Payout.BHB Dividend Payout, showing the Payout Ratio.BHB Dividend Payout.PayoutRetained Earnings

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BAR HARBOR BANKSHARES

NYSEARCA:BHB (2/20/2026, 8:18:41 PM)

After market: 34.74 0 (0%)

34.74

+0.05 (+0.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-15
Inst Owners56.39%
Inst Owner Change0.89%
Ins Owners2.43%
Ins Owner Change5.68%
Market Cap580.16M
Revenue(TTM)N/A
Net Income(TTM)36.16M
Analysts76.67
Price Target37.23 (7.17%)
Short Float %1.1%
Short Ratio2.37
Dividend
Industry RankSector Rank
Dividend Yield 3.69%
Yearly Dividend1.17
Dividend Growth(5Y)6.32%
DP54.11%
Div Incr Years21
Div Non Decr Years29
Ex-Date02-20
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-39.05%
Min EPS beat(2)-42.52%
Max EPS beat(2)-35.58%
EPS beat(4)1
Avg EPS beat(4)-19.31%
Min EPS beat(4)-42.52%
Max EPS beat(4)4.07%
EPS beat(8)5
Avg EPS beat(8)-6.98%
EPS beat(12)9
Avg EPS beat(12)-3.66%
EPS beat(16)11
Avg EPS beat(16)-3.1%
Revenue beat(2)0
Avg Revenue beat(2)-6.76%
Min Revenue beat(2)-12.99%
Max Revenue beat(2)-0.53%
Revenue beat(4)0
Avg Revenue beat(4)-5.29%
Min Revenue beat(4)-12.99%
Max Revenue beat(4)-0.53%
Revenue beat(8)1
Avg Revenue beat(8)-3.72%
Revenue beat(12)3
Avg Revenue beat(12)-2.65%
Revenue beat(16)5
Avg Revenue beat(16)-1.97%
PT rev (1m)4.29%
PT rev (3m)5.8%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 15.1
Fwd PE 9.83
P/S 3.79
P/FCF 14.91
P/OCF 13.07
P/B 1.11
P/tB 1.6
EV/EBITDA N/A
EPS(TTM)2.3
EY6.62%
EPS(NY)3.53
Fwd EY10.17%
FCF(TTM)2.33
FCFY6.7%
OCF(TTM)2.66
OCFY7.65%
SpS9.17
BVpS31.19
TBVpS21.69
PEG (NY)0.28
PEG (5Y)N/A
Graham Number40.18
Profitability
Industry RankSector Rank
ROA 0.77%
ROE 6.94%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.61%
GM N/A
FCFM 25.4%
ROA(3y)1.1%
ROA(5y)1.05%
ROE(3y)10.32%
ROE(5y)9.67%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.45%
PM growth 5Y8.73%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.54
Debt/EBITDA N/A
Cap/Depr 102.01%
Cap/Sales 3.58%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 107.58%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC12.33%
ROIC/WACCN/A
Cap/Depr(3y)106.92%
Cap/Depr(5y)93.74%
Cap/Sales(3y)3.63%
Cap/Sales(5y)3.38%
Profit Quality(3y)105.66%
Profit Quality(5y)101.67%
High Growth Momentum
Growth
EPS 1Y (TTM)-19.3%
EPS 3Y-7.54%
EPS 5YN/A
EPS Q2Q%-2.78%
EPS Next Y53.63%
EPS Next 2Y26.78%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%27.26%
Revenue Next Year13.04%
Revenue Next 2Y8.25%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-11.56%
FCF growth 3Y-8.53%
FCF growth 5Y16.59%
OCF growth 1Y-8.14%
OCF growth 3Y-4.69%
OCF growth 5Y11.74%

BAR HARBOR BANKSHARES / BHB FAQ

What is the ChartMill fundamental rating of BAR HARBOR BANKSHARES (BHB) stock?

ChartMill assigns a fundamental rating of 3 / 10 to BHB.


What is the valuation status for BHB stock?

ChartMill assigns a valuation rating of 4 / 10 to BAR HARBOR BANKSHARES (BHB). This can be considered as Fairly Valued.


What is the profitability of BHB stock?

BAR HARBOR BANKSHARES (BHB) has a profitability rating of 2 / 10.


What is the financial health of BAR HARBOR BANKSHARES (BHB) stock?

The financial health rating of BAR HARBOR BANKSHARES (BHB) is 3 / 10.


Can you provide the expected EPS growth for BHB stock?

The Earnings per Share (EPS) of BAR HARBOR BANKSHARES (BHB) is expected to grow by 53.63% in the next year.