33.82 USD
+0.11 (+0.33%)
Last: Jan 30, 2026, 02:59 PM
Overall BHB gets a fundamental rating of 3 out of 10. We evaluated BHB against 383 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 it does not seem to be growing. Finally BHB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year BHB was profitable.
- In the past year BHB had a positive cash flow from operations.
- Of the past 5 years BHB 4 years were profitable.
- Of the past 5 years BHB 4 years had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of BHB (0.77%) is worse than 61.62% of its industry peers.
- BHB's Return On Equity of 6.94% is on the low side compared to the rest of the industry. BHB is outperformed by 67.10% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- The Profit Margin of BHB (22.82%) is comparable to the rest of the industry.
- 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) | 22.82% | ||
| 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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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.
- BHB's Debt to FCF ratio of 1.54 is in line compared to the rest of the industry. BHB outperforms 54.31% of its industry peers.
- A Debt/Equity ratio of 0.11 indicates that BHB is not too dependend on debt financing.
- With a decent Debt to Equity ratio value of 0.11, BHB is doing good in the industry, outperforming 63.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 1.54 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.64%
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 -11.23%.
- BHB shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -4.56% yearly.
EPS 1Y (TTM)-11.23%
EPS 3Y-4.56%
EPS 5YN/A
EPS Q2Q%29.17%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%27.25%
3.2 Future
- The Earnings Per Share is expected to grow by 20.88% on average over the next years. This is a very strong growth
- The Revenue is expected to grow by 7.94% on average over the next years.
EPS Next Y39.66%
EPS Next 2Y20.88%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.86%
Revenue Next 2Y7.94%
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.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 13.37, BHB is valued correctly.
- The rest of the industry has a similar Price/Earnings ratio as BHB.
- The average S&P500 Price/Earnings ratio is at 28.39. BHB is valued rather cheaply when compared to this.
- The Price/Forward Earnings ratio is 9.57, which indicates a very decent valuation of BHB.
- Based on the Price/Forward Earnings ratio, BHB is valued a bit cheaper than 72.32% of the companies in the same industry.
- BHB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.72.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.37 | ||
| Fwd PE | 9.57 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of BHB indicates a slightly more expensive valuation: BHB is more expensive than 60.05% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.51 | ||
| EV/EBITDA | N/A |
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 20.88% in the coming years.
PEG (NY)0.34
PEG (5Y)N/A
EPS Next 2Y20.88%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- BHB has a Yearly Dividend Yield of 3.89%. Purely for dividend investing, there may be better candidates out there.
- BHB's Dividend Yield is rather good when compared to the industry average which is at 2.65. BHB pays more dividend than 82.25% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.82, BHB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.89% |
5.2 History
- On average, the dividend of BHB grows each year by 6.32%, which is quite nice.
- BHB has been paying a dividend for at least 10 years, so it has 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 54.11% 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.
DP54.11%
EPS Next 2Y20.88%
EPS Next 3YN/A
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 39.66% in the next year.