BHB Fundamental Analysis - BAR HARBOR BANKSHARES

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to BHB. BHB was compared to 394 industry peers in the Banks industry. While BHB is still in line with the averages on profitability rating, there are concerns on its financial health. BHB has a correct valuation and a medium growth rate. BHB also has an excellent dividend rating.

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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.

In the past 5 years BHB always reported a positive cash flow from operatings.

1.2 Ratios

With a decent Return On Assets value of 1.07%, BHB is doing good in the industry, outperforming 70.81% of the companies in the same industry.

With a Return On Equity value of 9.34%, BHB perfoms like the industry average, outperforming 58.88% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.07%
ROE	9.34%
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 (28.65%) is better than 77.67% 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 Rank	Sector Rank
OM	N/A
PM (TTM)	28.65%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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 1.04, which is an excellent value as it means it would take BHB, only 1.04 years of fcf income to pay off all of its debts.

BHB has a better Debt to FCF ratio (1.04) than 72.84% of its industry peers.

A Debt/Equity ratio of 0.10 indicates that BHB is not too dependend on debt financing.

BHB's Debt to Equity ratio of 0.10 is fine compared to the rest of the industry. BHB outperforms 71.07% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.1
Debt/FCF	1.04
Altman-Z	N/A

ROIC/WACCN/A

WACC13.41%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

BHB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.89%.

The Earnings Per Share has been growing by 14.42% on average over the past years. This is quite good.

BHB shows a small growth in Revenue. In the last year, the Revenue has grown by 1.55%.

BHB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.86% yearly.

EPS 1Y (TTM)2.89%

EPS 3Y2.9%

EPS 5Y14.42%

EPS Q2Q%0%

Revenue 1Y (TTM)1.55%

Revenue growth 3Y3.01%

Revenue growth 5Y4.86%

Sales Q2Q%3.5%

3.2 Future

The Earnings Per Share is expected to grow by 7.00% on average over the next years.

Based on estimates for the next years, BHB will show a quite strong growth in Revenue. The Revenue will grow by 13.58% on average per year.

EPS Next Y3.39%

EPS Next 2Y7%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year13.79%

Revenue Next 2Y13.58%

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 decreasing.

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.

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4. Valuation

4.1 Price/Earnings Ratio

BHB is valuated reasonably with a Price/Earnings ratio of 11.05.

Compared to the rest of the industry, the Price/Earnings ratio of BHB indicates a somewhat cheap valuation: BHB is cheaper than 72.84% of the companies listed in the same industry.

BHB is valuated cheaply when we compare the Price/Earnings ratio to 27.48, which is the current average of the S&P500 Index.

BHB is valuated reasonably with a Price/Forward Earnings ratio of 9.65.

BHB's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BHB is cheaper than 61.42% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 36.52. BHB is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	11.05
Fwd PE	9.65

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	10.74
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates BHB does not grow enough to justify the current Price/Earnings ratio.

PEG (NY)3.26

PEG (5Y)0.77

EPS Next 2Y7%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.09%, BHB is a good candidate for dividend investing.

BHB's Dividend Yield is a higher than the industry average which is at 3.31.

Compared to an average S&P500 Dividend Yield of 2.34, BHB pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.09%

5.2 History

The dividend of BHB is nicely growing with an annual growth rate of 6.32%!

BHB has been paying a dividend for at least 10 years, so it has 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

BHB pays out 41.69% of its income as dividend. This is a bit on the high side, but may be sustainable.

The dividend of BHB is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.

DP41.69%

EPS Next 2Y7%

EPS Next 3YN/A

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BAR HARBOR BANKSHARES

NYSEARCA:BHB (7/18/2025, 4:15:01 PM)

After market: 31.48 0 (0%)

31.48

-0.03 (-0.1%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-17 2025-07-17/amc

Earnings (Next)10-20 2025-10-20/amc

Inst Owners59.29%

Inst Owner Change0%

Ins Owners2.42%

Ins Owner Change3.33%

Market Cap482.27M

Analysts46.67

Price Target33.15 (5.3%)

Short Float %0.52%

Short Ratio1.99

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.09%

Yearly Dividend1.17

Dividend Growth(5Y)6.32%

DP41.69%

Div Incr Years21

Div Non Decr Years29

Ex-Date05-15 2025-05-15 (0.32)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)0.44%

Min EPS beat(2)-3.19%

Max EPS beat(2)4.07%

EPS beat(4)3

Avg EPS beat(4)4.93%

Min EPS beat(4)-3.19%

Max EPS beat(4)17.35%

EPS beat(8)7

Avg EPS beat(8)4.04%

EPS beat(12)10

Avg EPS beat(12)2.87%

EPS beat(16)13

Avg EPS beat(16)3.06%

Revenue beat(2)0

Avg Revenue beat(2)-3.83%

Min Revenue beat(2)-4.02%

Max Revenue beat(2)-3.64%

Revenue beat(4)1

Avg Revenue beat(4)-3.2%

Min Revenue beat(4)-5.45%

Max Revenue beat(4)0.3%

Revenue beat(8)2

Avg Revenue beat(8)-2%

Revenue beat(12)4

Avg Revenue beat(12)-1.31%

Revenue beat(16)6

Avg Revenue beat(16)-0.67%

PT rev (1m)0%

PT rev (3m)-7.14%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-0.72%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-1.34%

Revenue NY rev (1m)0%

Revenue NY rev (3m)7.55%

Valuation

		Industry Rank	Sector Rank
PE	11.05
Fwd PE	9.65
P/S	3.16
P/FCF	10.74
P/OCF	9.07
P/B	1.03
P/tB	1.4
EV/EBITDA	N/A

EPS(TTM)2.85

EY9.05%

EPS(NY)3.26

Fwd EY10.36%

FCF(TTM)2.93

FCFY9.31%

OCF(TTM)3.47

OCFY11.03%

SpS9.95

BVpS30.5

TBVpS22.46

PEG (NY)3.26

PEG (5Y)0.77

Profitability

		Industry Rank	Sector Rank
ROA	1.07%
ROE	9.34%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	28.65%
GM	N/A
FCFM	29.47%

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

ROICexcg growth 3YN/A

ROICexcg 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-Score8

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.1
Debt/FCF	1.04
Debt/EBITDA	N/A
Cap/Depr	160.86%
Cap/Sales	5.43%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	102.85%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC13.41%

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)2.89%

EPS 3Y2.9%

EPS 5Y14.42%

EPS Q2Q%0%

EPS Next Y3.39%

EPS Next 2Y7%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)1.55%

Revenue growth 3Y3.01%

Revenue growth 5Y4.86%

Sales Q2Q%3.5%

Revenue Next Year13.79%

Revenue Next 2Y13.58%

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-31.63%

FCF growth 3Y-8.53%

FCF growth 5Y16.59%

OCF growth 1Y-22.66%

OCF growth 3Y-4.69%

OCF growth 5Y11.74%

BAR HARBOR BANKSHARES (BHB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens