BAR HARBOR BANKSHARES (BHB) Fundamental Analysis & Valuation

NYSEARCA:BHB • US0668491006

Current stock price

32.06 USD
-0.05 (-0.16%)
Last:

This BHB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. BHB Profitability Analysis

1.1 Basic Checks

  • In the past year BHB was profitable.
  • In the past year BHB had a positive cash flow from operations.
  • In the past 5 years BHB has always been profitable.
  • BHB had a positive operating cash flow in each of the past 5 years.
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 2025 20M 40M 60M

1.2 Ratios

  • BHB has a Return On Assets of 0.79%. This is in the lower half of the industry: BHB underperforms 64.47% of its industry peers.
  • BHB has a worse Return On Equity (6.93%) than 70.53% of its industry peers.
Industry RankSector Rank
ROA 0.79%
ROE 6.93%
ROIC N/A
ROA(3y)0.99%
ROA(5y)1.03%
ROE(3y)8.94%
ROE(5y)9.43%
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 2025 2 4 6 8 10

1.3 Margins

  • The Profit Margin of BHB (21.85%) is worse than 65.26% of its industry peers.
  • In the last couple of years the Profit Margin of BHB has remained more or less at the same level.
  • The Operating Margin and Gross Margin are not available for BHB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 21.85%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.38%
PM growth 5Y-1.31%
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 2025 5 10 15 20 25

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3

2. BHB Health Analysis

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 more shares outstanding
  • The debt/assets ratio for BHB is higher compared to a year ago.
BHB Yearly Shares OutstandingBHB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 1B 2B 3B 4B

2.2 Solvency

  • The Debt to FCF ratio of BHB is 1.33, which is an excellent value as it means it would take BHB, only 1.33 years of fcf income to pay off all of its debts.
  • With a decent Debt to FCF ratio value of 1.33, BHB is doing good in the industry, outperforming 61.32% of the companies in the same industry.
  • BHB has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
  • With a decent Debt to Equity ratio value of 0.11, BHB is doing good in the industry, outperforming 64.74% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.33
Altman-Z N/A
ROIC/WACCN/A
WACC13.25%
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 2025 100M 200M 300M 400M 500M

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 2025 10M 20M 30M 40M 50M

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

6

3. BHB Growth Analysis

3.1 Past

  • The earnings per share for BHB have decreased strongly by -19.30% in the last year.
  • BHB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.20% yearly.
  • BHB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.80%.
  • BHB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.51% yearly.
EPS 1Y (TTM)-19.3%
EPS 3Y-7.54%
EPS 5Y1.2%
EPS Q2Q%-2.78%
Revenue 1Y (TTM)11.8%
Revenue growth 3Y4.43%
Revenue growth 5Y3.51%
Sales Q2Q%27.26%

3.2 Future

  • Based on estimates for the next years, BHB will show a very strong growth in Earnings Per Share. The EPS will grow by 28.33% on average per year.
  • BHB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.25% yearly.
EPS Next Y55.83%
EPS Next 2Y28.33%
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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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5

4. BHB Valuation Analysis

4.1 Price/Earnings Ratio

  • BHB is valuated correctly with a Price/Earnings ratio of 13.94.
  • BHB's Price/Earnings ratio is a bit more expensive when compared to the industry. BHB is more expensive than 67.89% of the companies in the same industry.
  • BHB's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.50.
  • BHB is valuated reasonably with a Price/Forward Earnings ratio of 8.95.
  • Based on the Price/Forward Earnings ratio, BHB is valued a bit cheaper than 74.47% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.67. BHB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 13.94
Fwd PE 8.95
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

  • BHB's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 12.35
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

  • BHB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • BHB's earnings are expected to grow with 28.33% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.25
PEG (5Y)11.61
EPS Next 2Y28.33%
EPS Next 3YN/A

More info and screens

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

9

5. BHB Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.06%, BHB is a good candidate for dividend investing.
  • BHB's Dividend Yield is rather good when compared to the industry average which is at 2.78. BHB pays more dividend than 80.79% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, BHB pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.06%

5.2 History

  • The dividend of BHB is nicely growing with an annual growth rate of 7.71%!
  • 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)7.71%
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

  • BHB pays out 55.27% of its income as dividend. 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.
DP55.27%
EPS Next 2Y28.33%
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 2025 10M 20M 30M 40M 50M
BHB Dividend Payout.BHB Dividend Payout, showing the Payout Ratio.BHB Dividend Payout.PayoutRetained Earnings

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BHB Fundamentals: All Metrics, Ratios and Statistics

BAR HARBOR BANKSHARES

NYSEARCA:BHB (3/25/2026, 11:14:32 AM)

32.06

-0.05 (-0.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-16
Inst Owners56.6%
Inst Owner Change1.08%
Ins Owners2.78%
Ins Owner Change4.34%
Market Cap536.68M
Revenue(TTM)168.93M
Net Income(TTM)36.92M
Analysts76.67
Price Target37.23 (16.13%)
Short Float %1.18%
Short Ratio1.95
Dividend
Industry RankSector Rank
Dividend Yield 4.06%
Yearly Dividend1.28
Dividend Growth(5Y)7.71%
DP55.27%
Div Incr Years21
Div Non Decr Years29
Ex-Date02-20
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-28.48%
Min EPS beat(2)-35.58%
Max EPS beat(2)-21.38%
EPS beat(4)0
Avg EPS beat(4)-25.67%
Min EPS beat(4)-42.52%
Max EPS beat(4)-3.19%
EPS beat(8)4
Avg EPS beat(8)-9.76%
EPS beat(12)8
Avg EPS beat(12)-5.45%
EPS beat(16)10
Avg EPS beat(16)-4.47%
Revenue beat(2)0
Avg Revenue beat(2)-0.82%
Min Revenue beat(2)-1.12%
Max Revenue beat(2)-0.53%
Revenue beat(4)0
Avg Revenue beat(4)-4.66%
Min Revenue beat(4)-12.99%
Max Revenue beat(4)-0.53%
Revenue beat(8)1
Avg Revenue beat(8)-3.8%
Revenue beat(12)2
Avg Revenue beat(12)-2.8%
Revenue beat(16)4
Avg Revenue beat(16)-2.11%
PT rev (1m)0%
PT rev (3m)5.8%
EPS NQ rev (1m)-0.58%
EPS NQ rev (3m)-0.58%
EPS NY rev (1m)1.43%
EPS NY rev (3m)1.43%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.15%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.16%
Valuation
Industry RankSector Rank
PE 13.94
Fwd PE 8.95
P/S 3.18
P/FCF 12.35
P/OCF 11.12
P/B 1.01
P/tB 1.43
EV/EBITDA N/A
EPS(TTM)2.3
EY7.17%
EPS(NY)3.58
Fwd EY11.18%
FCF(TTM)2.6
FCFY8.1%
OCF(TTM)2.88
OCFY9%
SpS10.09
BVpS31.81
TBVpS22.36
PEG (NY)0.25
PEG (5Y)11.61
Graham Number40.57
Profitability
Industry RankSector Rank
ROA 0.79%
ROE 6.93%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.85%
GM N/A
FCFM 25.73%
ROA(3y)0.99%
ROA(5y)1.03%
ROE(3y)8.94%
ROE(5y)9.43%
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 3Y-9.38%
PM growth 5Y-1.31%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.33
Debt/EBITDA N/A
Cap/Depr 82.71%
Cap/Sales 2.85%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 117.73%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC13.25%
ROIC/WACCN/A
Cap/Depr(3y)118.27%
Cap/Depr(5y)86.9%
Cap/Sales(3y)4.01%
Cap/Sales(5y)3%
Profit Quality(3y)104.05%
Profit Quality(5y)116.85%
High Growth Momentum
Growth
EPS 1Y (TTM)-19.3%
EPS 3Y-7.54%
EPS 5Y1.2%
EPS Q2Q%-2.78%
EPS Next Y55.83%
EPS Next 2Y28.33%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.8%
Revenue growth 3Y4.43%
Revenue growth 5Y3.51%
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-3.36%
FCF growth 3Y-6.63%
FCF growth 5Y25.61%
OCF growth 1Y-7.82%
OCF growth 3Y-4.78%
OCF growth 5Y18.48%

BAR HARBOR BANKSHARES / BHB Fundamental Analysis 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 for BHB stock?

ChartMill assigns a valuation rating of 5 / 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 55.83% in the next year.