BAR HARBOR BANKSHARES (BHB) Fundamental Analysis & Valuation

NYSEARCA:BHB • US0668491006

33.02 USD
-0.06 (-0.18%)
At close: Mar 3, 2026
33.02 USD
0 (0%)
After Hours: 3/3/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

3

Overall BHB gets a fundamental rating of 3 out of 10. We evaluated BHB against 379 industry peers in the Banks industry. BHB has a bad profitability rating. Also its financial health evaluation is rather negative. BHB has a valuation in line with the averages, but on the other hand it scores bad on growth. BHB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

2

1. BHB Profitability Analysis

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.
  • BHB had a positive operating cash flow in 4 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 20M 40M 60M

1.2 Ratios

  • BHB has a Return On Assets of 0.77%. This is in the lower half of the industry: BHB underperforms 63.85% of its industry peers.
  • Looking at the Return On Equity, with a value of 6.94%, BHB is doing worse than 68.34% of the companies in the same industry.
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 44.33% of its industry peers.
  • BHB's Profit Margin has improved in the last couple of years.
  • 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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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.
  • There is no outstanding debt for BHB. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and 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.
  • Looking at the Debt to FCF ratio, with a value of 1.54, BHB is in line with its industry, outperforming 54.88% of the companies in the same industry.
  • A Debt/Equity ratio of 0.11 indicates that BHB is not too dependend on debt financing.
  • The Debt to Equity ratio of BHB (0.11) is better than 63.06% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.54
Altman-Z N/A
ROIC/WACCN/A
WACC12.51%
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. BHB Growth Analysis

3.1 Past

  • BHB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -19.30%.
  • BHB shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -7.54% yearly.
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

  • The EPS 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

  • A Price/Earnings ratio of 14.36 indicates a correct valuation of BHB.
  • 67.81% of the companies in the same industry are cheaper than BHB, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 26.83. BHB is valued slightly cheaper when compared to this.
  • A Price/Forward Earnings ratio of 9.34 indicates a reasonable valuation of BHB.
  • Based on the Price/Forward Earnings ratio, BHB is valued a bit cheaper than the industry average as 71.50% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.95, BHB is valued rather cheaply.
Industry RankSector Rank
PE 14.36
Fwd PE 9.34
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 ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 14.18
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)0.27
PEG (5Y)N/A
EPS Next 2Y26.78%
EPS Next 3YN/A

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

8

5. BHB Dividend Analysis

5.1 Amount

  • BHB has a Yearly Dividend Yield of 3.78%.
  • Compared to an average industry Dividend Yield of 2.72, BHB pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, BHB pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.78%

5.2 History

  • The dividend of BHB is nicely growing with an annual growth rate of 6.32%!
  • 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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BHB Fundamentals: All Metrics, Ratios and Statistics

BAR HARBOR BANKSHARES

NYSEARCA:BHB (3/3/2026, 8:04:00 PM)

After market: 33.02 0 (0%)

33.02

-0.06 (-0.18%)

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 Cap551.43M
Revenue(TTM)N/A
Net Income(TTM)36.16M
Analysts76.67
Price Target37.23 (12.75%)
Short Float %1.12%
Short Ratio2.45
Dividend
Industry RankSector Rank
Dividend Yield 3.78%
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 14.36
Fwd PE 9.34
P/S 3.6
P/FCF 14.18
P/OCF 12.43
P/B 1.06
P/tB 1.52
EV/EBITDA N/A
EPS(TTM)2.3
EY6.97%
EPS(NY)3.53
Fwd EY10.7%
FCF(TTM)2.33
FCFY7.05%
OCF(TTM)2.66
OCFY8.05%
SpS9.17
BVpS31.19
TBVpS21.69
PEG (NY)0.27
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
WACC12.51%
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 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 53.63% in the next year.