BAR HARBOR BANKSHARES (BHB) Stock Fundamental Analysis
USA - NYSEARCA:BHB - US0668491006 - Common Stock
29.33 USD
-0.5 (-1.68%)
29.33 USD
0 (0%)
Taking everything into account, BHB scores 4 out of 10 in our fundamental rating. BHB was compared to 390 industry peers in the Banks industry. BHB has a medium profitability rating, but doesn't score so well on its financial health evaluation. BHB has a decent growth rate and is not valued too expensively. Finally BHB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year BHB was profitable.
BHB had a positive operating cash flow in the past year.
In the past 5 years BHB has always been profitable.
BHB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
BHB has a Return On Assets of 0.96%. This is in the better half of the industry: BHB outperforms 60.77% of its industry peers.
BHB has a Return On Equity of 8.42%. This is comparable to the rest of the industry: BHB outperforms 49.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.96% | ||
| ROE | 8.42% | ||
| 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
1.3 Margins
The Profit Margin of BHB (26.41%) is better than 66.67% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 26.41% | ||
| 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
2. Health
2.1 Basic Checks
BHB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, BHB has more shares outstanding
Compared to 5 years ago, BHB has less shares outstanding
Compared to 1 year ago, BHB has an improved debt to assets ratio.
2.2 Solvency
BHB has a debt to FCF ratio of 0.99. This is a very positive value and a sign of high solvency as it would only need 0.99 years to pay back of all of its debts.
BHB's Debt to FCF ratio of 0.99 is fine compared to the rest of the industry. BHB outperforms 69.74% of its industry peers.
A Debt/Equity ratio of 0.10 indicates that BHB is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.10, BHB is doing good in the industry, outperforming 70.77% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.99 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.08%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BHB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.73%.
The Earnings Per Share has been growing by 14.42% on average over the past years. This is quite good.
The Revenue has decreased by -1.32% in the past year.
Measured over the past years, BHB shows a small growth in Revenue. The Revenue has been growing by 4.86% on average per year.
EPS 1Y (TTM)-2.73%
EPS 3Y2.9%
EPS 5Y14.42%
EPS Q2Q%N/A
Revenue 1Y (TTM)-1.32%
Revenue growth 3Y3.01%
Revenue growth 5Y4.86%
Sales Q2Q%21.4%
3.2 Future
BHB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.60% yearly.
BHB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 14.27% yearly.
EPS Next Y-3.61%
EPS Next 2Y10.6%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year14%
Revenue Next 2Y14.27%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.29, which indicates a very decent valuation of BHB.
Based on the Price/Earnings ratio, BHB is valued a bit cheaper than the industry average as 67.69% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.11. BHB is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 8.41, which indicates a very decent valuation of BHB.
Based on the Price/Forward Earnings ratio, BHB is valued a bit cheaper than 73.59% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.55, BHB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.29 | ||
| Fwd PE | 8.41 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BHB is valued a bit cheaper than the industry average as 60.51% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.66 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.71
EPS Next 2Y10.6%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.29%, BHB is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.51, BHB pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.37, BHB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.29% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)6.32%
Div Incr Years21
Div Non Decr Years29
5.3 Sustainability
47.41% of the earnings are spent on dividend by BHB. This is a bit on the high side, but may be sustainable.
The dividend of BHB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP47.41%
EPS Next 2Y10.6%
EPS Next 3YN/A
29.33
-0.5 (-1.68%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners54.8%
Inst Owner Change0.12%
Ins Owners2.36%
Ins Owner Change2.6%
Market Cap489.22M
Revenue(TTM)150.73M
Net Income(TTM)39.49M
Analysts76.67
Price Target35.19 (19.98%)
Short Float %0.8%
Short Ratio2.5
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.29% |
Yearly Dividend1.17
Dividend Growth(5Y)6.32%
DP47.41%
Div Incr Years21
Div Non Decr Years29
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-22.85%
Min EPS beat(2)-42.52%
Max EPS beat(2)-3.19%
EPS beat(4)2
Avg EPS beat(4)-6.07%
Min EPS beat(4)-42.52%
Max EPS beat(4)17.35%
EPS beat(8)6
Avg EPS beat(8)-1.53%
EPS beat(12)10
Avg EPS beat(12)-0.67%
EPS beat(16)12
Avg EPS beat(16)0.04%
Revenue beat(2)0
Avg Revenue beat(2)-8.5%
Min Revenue beat(2)-12.99%
Max Revenue beat(2)-4.02%
Revenue beat(4)0
Avg Revenue beat(4)-6.52%
Min Revenue beat(4)-12.99%
Max Revenue beat(4)-3.64%
Revenue beat(8)2
Avg Revenue beat(8)-3.59%
Revenue beat(12)4
Avg Revenue beat(12)-2.29%
Revenue beat(16)6
Avg Revenue beat(16)-1.34%
PT rev (1m)1.47%
PT rev (3m)6.15%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.11%
EPS NY rev (1m)0%
EPS NY rev (3m)-6.77%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.29 | ||
| Fwd PE | 8.41 | ||
| P/S | 3.27 | ||
| P/FCF | 10.66 | ||
| P/OCF | 9.53 | ||
| P/B | 1.04 | ||
| P/tB | 1.41 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.85
EY9.72%
EPS(NY)3.49
Fwd EY11.89%
FCF(TTM)2.75
FCFY9.38%
OCF(TTM)3.08
OCFY10.5%
SpS8.96
BVpS28.11
TBVpS20.74
PEG (NY)N/A
PEG (5Y)0.71
Graham Number42.46
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.96% | ||
| ROE | 8.42% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 26.41% | ||
| GM | N/A | ||
| FCFM | 30.7% |
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-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.99 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 106.58% | ||
| Cap/Sales | 3.64% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 116.24% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC13.08%
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)-2.73%
EPS 3Y2.9%
EPS 5Y14.42%
EPS Q2Q%N/A
EPS Next Y-3.61%
EPS Next 2Y10.6%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.32%
Revenue growth 3Y3.01%
Revenue growth 5Y4.86%
Sales Q2Q%21.4%
Revenue Next Year14%
Revenue Next 2Y14.27%
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-2.04%
FCF growth 3Y-8.53%
FCF growth 5Y16.59%
OCF growth 1Y1.8%
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 4 / 10 to BHB.
What is the valuation status of BAR HARBOR BANKSHARES (BHB) stock?
ChartMill assigns a valuation rating of 4 / 10 to BAR HARBOR BANKSHARES (BHB). This can be considered as Fairly Valued.
How profitable is BAR HARBOR BANKSHARES (BHB) stock?
BAR HARBOR BANKSHARES (BHB) has a profitability rating of 4 / 10.
How financially healthy is BAR HARBOR BANKSHARES?
The financial health rating of BAR HARBOR BANKSHARES (BHB) is 3 / 10.
Can you provide the dividend sustainability for BHB stock?
The dividend rating of BAR HARBOR BANKSHARES (BHB) is 9 / 10 and the dividend payout ratio is 47.41%.