30.53 USD
+0.97 (+3.28%)
30.53 USD
0 (0%)
Taking everything into account, BHB scores 4 out of 10 in our fundamental rating. BHB was compared to 387 industry peers in the Banks industry. There are concerns on the financial health of BHB while its profitability can be described as average. BHB has a decent growth rate and is not valued too expensively. BHB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
BHB had positive earnings in the past year.
In the past year BHB had a positive cash flow from operations.
Each year in the past 5 years BHB has been profitable.
Each year in the past 5 years BHB had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.96%, BHB perfoms like the industry average, outperforming 56.07% of the companies in the same industry.
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
The Profit Margin of BHB (26.41%) is better than 63.31% of its industry peers.
BHB's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for BHB so they could not be analyzed.
| 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.
BHB has more shares outstanding than it did 1 year ago.
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
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 67.18% of its industry peers.
A Debt/Equity ratio of 0.10 indicates that BHB is not too dependend on debt financing.
The Debt to Equity ratio of BHB (0.10) is better than 70.28% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.99 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.93%
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%.
BHB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.42% yearly.
BHB shows a decrease in Revenue. In the last year, the revenue decreased by -1.32%.
The Revenue has been growing slightly by 4.86% on average over the past years.
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
The Earnings Per Share is expected to grow by 9.06% on average over the next years. This is quite good.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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
BHB is valuated correctly with a Price/Earnings ratio of 13.16.
BHB's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of BHB to the average of the S&P500 Index (25.65), we can say BHB is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 8.64, the valuation of BHB can be described as reasonable.
BHB's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BHB is cheaper than 77.52% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.45. BHB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.16 | ||
| Fwd PE | 8.64 |
4.2 Price Multiples
BHB's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.09 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.91
EPS Next 2Y11.35%
EPS Next 3Y9.06%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.43%, BHB is a good candidate for dividend investing.
BHB's Dividend Yield is rather good when compared to the industry average which is at 3.33. BHB pays more dividend than 84.50% of the companies in the same industry.
BHB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.43% |
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
5.3 Sustainability
BHB pays out 47.41% 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.
DP47.41%
EPS Next 2Y11.35%
EPS Next 3Y9.06%
30.53
+0.97 (+3.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners54.8%
Inst Owner Change3.03%
Ins Owners2.36%
Ins Owner Change4.33%
Market Cap509.24M
Revenue(TTM)150.73M
Net Income(TTM)39.49M
Analysts76.67
Price Target35.19 (15.26%)
Short Float %0.87%
Short Ratio2.57
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.43% |
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)1.47%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-8.64%
EPS NY rev (3m)-8.64%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.63%
Revenue NY rev (3m)0.63%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.16 | ||
| Fwd PE | 8.64 | ||
| P/S | 3.41 | ||
| P/FCF | 11.09 | ||
| P/OCF | 9.92 | ||
| P/B | 1.09 | ||
| P/tB | 1.47 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.32
EY7.6%
EPS(NY)3.53
Fwd EY11.57%
FCF(TTM)2.75
FCFY9.01%
OCF(TTM)3.08
OCFY10.08%
SpS8.96
BVpS28.11
TBVpS20.74
PEG (NY)N/A
PEG (5Y)0.91
Graham Number38.31
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
WACC12.93%
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 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%.