31.87 USD
-0.13 (-0.41%)
31.87 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to BHB. BHB was compared to 388 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 decent growth rate and is not valued too expensively. 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.
BHB had positive earnings in each of the past 5 years.
BHB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
BHB's Return On Assets of 0.96% is in line compared to the rest of the industry. BHB outperforms 55.15% of its industry peers.
BHB has a Return On Equity (8.42%) which is in line with its industry peers.
| 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 62.37% of its industry peers.
In the last couple of years the Profit Margin of BHB has grown nicely.
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.
BHB has less shares outstanding than it did 5 years ago.
BHB has a better debt/assets ratio than last year.
2.2 Solvency
BHB has a debt to FCF ratio of 0.99. This is a very positive value and a sign of high solvency as it would only need 0.99 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.99, BHB is in the better half of the industry, outperforming 66.49% of the companies in the same industry.
A Debt/Equity ratio of 0.10 indicates that BHB is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.10, BHB is in the better half of the industry, outperforming 69.07% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.99 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.8%
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%.
Measured over the past years, BHB shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.42% on average per year.
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
BHB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.06% yearly.
Based on estimates for the next years, BHB will show a quite strong growth in Revenue. The Revenue will grow by 10.15% on average per year.
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
A Price/Earnings ratio of 13.74 indicates a correct valuation of BHB.
The rest of the industry has a similar Price/Earnings ratio as BHB.
BHB is valuated rather cheaply when we compare the Price/Earnings ratio to 26.92, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 9.02, which indicates a very decent valuation of BHB.
77.84% of the companies in the same industry are more expensive than BHB, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.46, BHB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.74 | ||
| Fwd PE | 9.02 |
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 | 11.59 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.95
EPS Next 2Y11.35%
EPS Next 3Y9.06%
5. Dividend
5.1 Amount
BHB has a Yearly Dividend Yield of 4.00%.
BHB's Dividend Yield is rather good when compared to the industry average which is at 2.74. BHB pays more dividend than 82.99% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.00, BHB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4% |
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 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.
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%
31.87
-0.13 (-0.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners56.45%
Inst Owner Change3.03%
Ins Owners2.35%
Ins Owner Change4.19%
Market Cap531.91M
Revenue(TTM)150.73M
Net Income(TTM)39.49M
Analysts76.67
Price Target35.7 (12.02%)
Short Float %0.88%
Short Ratio2.25
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4% |
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)1.45%
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 | 13.74 | ||
| Fwd PE | 9.02 | ||
| P/S | 3.56 | ||
| P/FCF | 11.59 | ||
| P/OCF | 10.36 | ||
| P/B | 1.13 | ||
| P/tB | 1.54 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.32
EY7.28%
EPS(NY)3.53
Fwd EY11.09%
FCF(TTM)2.75
FCFY8.63%
OCF(TTM)3.08
OCFY9.65%
SpS8.96
BVpS28.09
TBVpS20.73
PEG (NY)N/A
PEG (5Y)0.95
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
WACC12.8%
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 8 / 10 and the dividend payout ratio is 47.41%.