34.77 USD
+0.59 (+1.73%)
Overall BHB gets a fundamental rating of 4 out of 10. We evaluated BHB against 383 industry peers in the Banks industry. BHB has a medium profitability rating, but doesn't score so well on its financial health evaluation. BHB is quite expensive at the moment. It does show a decent growth rate. 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.
- BHB had positive earnings in each of the past 5 years.
- Each year in the past 5 years BHB had a positive operating cash flow.
1.2 Ratios
- BHB has a Return On Assets (0.96%) which is in line with its industry peers.
- BHB has a Return On Equity (8.42%) which is comparable to the rest of the industry.
| 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
- With a decent Profit Margin value of 26.41%, BHB is doing good in the industry, outperforming 62.40% of the companies in the same industry.
- 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
- The number of shares outstanding for BHB has been reduced compared to 5 years ago.
- The debt/assets ratio for BHB has been reduced compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of BHB is 0.99, which is an excellent value as it means it would take BHB, only 0.99 years of fcf income to pay off all of its debts.
- BHB has a Debt to FCF ratio of 0.99. This is in the better half of the industry: BHB outperforms 66.84% of its industry peers.
- A Debt/Equity ratio of 0.10 indicates that BHB is not too dependend on debt financing.
- BHB has a better Debt to Equity ratio (0.10) than 69.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.99 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.59%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- BHB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -17.44%.
- 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.
- BHB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.86% yearly.
EPS 1Y (TTM)-17.44%
EPS 3Y2.9%
EPS 5Y14.42%
EPS Q2Q%-32.5%
Revenue 1Y (TTM)-1.32%
Revenue growth 3Y3.01%
Revenue growth 5Y4.86%
Sales Q2Q%27.86%
3.2 Future
- Based on estimates for the next years, BHB will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.06% on average per year.
- The Revenue is expected to grow by 10.15% on average over the next years. This is quite good.
EPS Next Y-11.94%
EPS Next 2Y11.35%
EPS Next 3Y9.06%
EPS Next 5YN/A
Revenue Next Year14.72%
Revenue Next 2Y13.78%
Revenue Next 3Y10.15%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 14.99, which indicates a correct valuation of BHB.
- Based on the Price/Earnings ratio, BHB is valued a bit more expensive than 62.40% of the companies in the same industry.
- When comparing the Price/Earnings ratio of BHB to the average of the S&P500 Index (27.32), we can say BHB is valued slightly cheaper.
- With a Price/Forward Earnings ratio of 9.84, the valuation of BHB can be described as very reasonable.
- 70.76% of the companies in the same industry are more expensive than BHB, based on the Price/Forward Earnings ratio.
- When comparing the Price/Forward Earnings ratio of BHB to the average of the S&P500 Index (24.30), we can say BHB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.99 | ||
| Fwd PE | 9.84 |
4.2 Price Multiples
- BHB's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.64 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.04
EPS Next 2Y11.35%
EPS Next 3Y9.06%
5. Dividend
5.1 Amount
- BHB has a Yearly Dividend Yield of 3.96%.
- BHB's Dividend Yield is a higher than the industry average which is at 2.91.
- BHB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.86.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.96% |
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 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 2Y11.35%
EPS Next 3Y9.06%
NYSEARCA:BHB (1/22/2026, 12:01:08 PM)
34.77
+0.59 (+1.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22 2026-01-22/amc
Earnings (Next)04-15 2026-04-15
Inst Owners56.39%
Inst Owner Change0.34%
Ins Owners2.43%
Ins Owner Change4.18%
Market Cap580.31M
Revenue(TTM)150.73M
Net Income(TTM)39.49M
Analysts76.67
Price Target35.7 (2.67%)
Short Float %0.88%
Short Ratio1.9
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.96% |
Yearly Dividend1.17
Dividend Growth(5Y)6.32%
DP47.41%
Div Incr Years21
Div Non Decr Years29
Ex-DateN/A
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)1.45%
PT rev (3m)2.94%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-8.64%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.63%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.99 | ||
| Fwd PE | 9.84 | ||
| P/S | 3.88 | ||
| P/FCF | 12.64 | ||
| P/OCF | 11.3 | ||
| P/B | 1.24 | ||
| P/tB | 1.68 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.32
EY6.67%
EPS(NY)3.53
Fwd EY10.16%
FCF(TTM)2.75
FCFY7.91%
OCF(TTM)3.08
OCFY8.85%
SpS8.96
BVpS28.09
TBVpS20.73
PEG (NY)N/A
PEG (5Y)1.04
Graham Number38.29
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
WACC12.59%
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)-17.44%
EPS 3Y2.9%
EPS 5Y14.42%
EPS Q2Q%-32.5%
EPS Next Y-11.94%
EPS Next 2Y11.35%
EPS Next 3Y9.06%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.32%
Revenue growth 3Y3.01%
Revenue growth 5Y4.86%
Sales Q2Q%27.86%
Revenue Next Year14.72%
Revenue Next 2Y13.78%
Revenue Next 3Y10.15%
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 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 4 / 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 decline by -11.94% in the next year.