BAR HARBOR BANKSHARES (BHB) Fundamental Analysis & Valuation

NYSEARCA:BHB • US0668491006

Current stock price

34.38 USD
+0.11 (+0.32%)
Last:

This BHB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. BHB Profitability Analysis

1.1 Basic Checks

  • In the past year BHB was profitable.
  • BHB had a positive operating cash flow in the past year.
  • Each year in the past 5 years BHB has been profitable.
  • BHB had a positive operating cash flow in each of the past 5 years.
BHB Yearly Net Income VS EBIT VS OCF VS FCFBHB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M

1.2 Ratios

  • With a Return On Assets value of 0.79%, BHB is not doing good in the industry: 66.22% of the companies in the same industry are doing better.
  • Looking at the Return On Equity, with a value of 6.93%, BHB is doing worse than 72.07% of the companies in the same industry.
Industry RankSector Rank
ROA 0.79%
ROE 6.93%
ROIC N/A
ROA(3y)0.99%
ROA(5y)1.03%
ROE(3y)8.94%
ROE(5y)9.43%
ROIC(3y)N/A
ROIC(5y)N/A
BHB Yearly ROA, ROE, ROICBHB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • BHB has a worse Profit Margin (21.85%) than 67.29% of its industry peers.
  • BHB's Profit Margin has been stable 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 RankSector Rank
OM N/A
PM (TTM) 21.85%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.38%
PM growth 5Y-1.31%
GM growth 3YN/A
GM growth 5YN/A
BHB Yearly Profit, Operating, Gross MarginsBHB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. BHB Health Analysis

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 more shares outstanding
  • BHB has a worse debt/assets ratio than last year.
BHB Yearly Shares OutstandingBHB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
BHB Yearly Total Debt VS Total AssetsBHB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

2.2 Solvency

  • BHB has a debt to FCF ratio of 1.33. This is a very positive value and a sign of high solvency as it would only need 1.33 years to pay back of all of its debts.
  • BHB has a Debt to FCF ratio (1.33) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.11 indicates that BHB is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.11, BHB is in the better half of the industry, outperforming 64.36% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.33
Altman-Z N/A
ROIC/WACCN/A
WACC12.98%
BHB Yearly LT Debt VS Equity VS FCFBHB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BHB Yearly Current Assets VS Current LiabilitesBHB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. BHB Growth Analysis

3.1 Past

  • BHB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -19.30%.
  • The Earnings Per Share has been growing slightly by 1.20% on average over the past years.
  • BHB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.80%.
  • BHB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.51% yearly.
EPS 1Y (TTM)-19.3%
EPS 3Y-7.54%
EPS 5Y1.2%
EPS Q2Q%-2.78%
Revenue 1Y (TTM)11.8%
Revenue growth 3Y4.43%
Revenue growth 5Y3.51%
Sales Q2Q%27.26%

3.2 Future

  • Based on estimates for the next years, BHB will show a very strong growth in Earnings Per Share. The EPS will grow by 28.33% on average per year.
  • Based on estimates for the next years, BHB will show a quite strong growth in Revenue. The Revenue will grow by 8.25% on average per year.
EPS Next Y55.83%
EPS Next 2Y28.33%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.04%
Revenue Next 2Y8.25%
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
BHB Yearly Revenue VS EstimatesBHB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M
BHB Yearly EPS VS EstimatesBHB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2021 2022 2023 2024 2025 2026 2027 1 2 3

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5

4. BHB Valuation Analysis

4.1 Price/Earnings Ratio

  • BHB is valuated correctly with a Price/Earnings ratio of 14.95.
  • 71.54% of the companies in the same industry are cheaper than BHB, based on the Price/Earnings ratio.
  • BHB is valuated rather cheaply when we compare the Price/Earnings ratio to 27.47, which is the current average of the S&P500 Index.
  • BHB is valuated reasonably with a Price/Forward Earnings ratio of 9.59.
  • 67.82% 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 (22.62), we can say BHB is valued rather cheaply.
Industry RankSector Rank
PE 14.95
Fwd PE 9.59
BHB Price Earnings VS Forward Price EarningsBHB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of BHB is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 13.24
EV/EBITDA N/A
BHB Per share dataBHB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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.
  • BHB's earnings are expected to grow with 28.33% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.27
PEG (5Y)12.45
EPS Next 2Y28.33%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. BHB Dividend Analysis

5.1 Amount

  • BHB has a Yearly Dividend Yield of 3.97%.
  • Compared to an average industry Dividend Yield of 2.57, BHB pays a better dividend. On top of this BHB pays more dividend than 86.44% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.81, BHB pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.97%

5.2 History

  • On average, the dividend of BHB grows each year by 7.71%, which is quite nice.
  • 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)7.71%
Div Incr Years22
Div Non Decr Years30
BHB Yearly Dividends per shareBHB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • BHB pays out 55.27% 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.
DP55.27%
EPS Next 2Y28.33%
EPS Next 3YN/A
BHB Yearly Income VS Free CF VS DividendBHB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
BHB Dividend Payout.BHB Dividend Payout, showing the Payout Ratio.BHB Dividend Payout.PayoutRetained Earnings

More info and screens

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BHB Fundamentals: All Metrics, Ratios and Statistics

BAR HARBOR BANKSHARES

NYSEARCA:BHB (4/23/2026, 8:04:00 PM)

34.38

+0.11 (+0.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-16
Earnings (Next)07-20
Inst Owners56.68%
Inst Owner Change-0.1%
Ins Owners3.05%
Ins Owner Change4.49%
Market Cap575.52M
Revenue(TTM)168.93M
Net Income(TTM)36.92M
Analysts76.67
Price Target37.23 (8.29%)
Short Float %1.25%
Short Ratio1.49
Dividend
Industry RankSector Rank
Dividend Yield 3.97%
Yearly Dividend1.28
Dividend Growth(5Y)7.71%
DP55.27%
Div Incr Years22
Div Non Decr Years30
Ex-Date02-20
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-28.48%
Min EPS beat(2)-35.58%
Max EPS beat(2)-21.38%
EPS beat(4)0
Avg EPS beat(4)-25.67%
Min EPS beat(4)-42.52%
Max EPS beat(4)-3.19%
EPS beat(8)4
Avg EPS beat(8)-9.76%
EPS beat(12)8
Avg EPS beat(12)-5.45%
EPS beat(16)10
Avg EPS beat(16)-4.47%
Revenue beat(2)0
Avg Revenue beat(2)-0.82%
Min Revenue beat(2)-1.12%
Max Revenue beat(2)-0.53%
Revenue beat(4)0
Avg Revenue beat(4)-4.66%
Min Revenue beat(4)-12.99%
Max Revenue beat(4)-0.53%
Revenue beat(8)1
Avg Revenue beat(8)-3.8%
Revenue beat(12)2
Avg Revenue beat(12)-2.8%
Revenue beat(16)4
Avg Revenue beat(16)-2.11%
PT rev (1m)0%
PT rev (3m)4.29%
EPS NQ rev (1m)0.29%
EPS NQ rev (3m)-0.29%
EPS NY rev (1m)0%
EPS NY rev (3m)1.43%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.15%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.16%
Valuation
Industry RankSector Rank
PE 14.95
Fwd PE 9.59
P/S 3.41
P/FCF 13.24
P/OCF 11.92
P/B 1.08
P/tB 1.54
EV/EBITDA N/A
EPS(TTM)2.3
EY6.69%
EPS(NY)3.58
Fwd EY10.42%
FCF(TTM)2.6
FCFY7.55%
OCF(TTM)2.88
OCFY8.39%
SpS10.09
BVpS31.81
TBVpS22.36
PEG (NY)0.27
PEG (5Y)12.45
Graham Number40.5746 (18.02%)
Profitability
Industry RankSector Rank
ROA 0.79%
ROE 6.93%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.85%
GM N/A
FCFM 25.73%
ROA(3y)0.99%
ROA(5y)1.03%
ROE(3y)8.94%
ROE(5y)9.43%
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 3Y-9.38%
PM growth 5Y-1.31%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.33
Debt/EBITDA N/A
Cap/Depr 82.71%
Cap/Sales 2.85%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 117.73%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC12.98%
ROIC/WACCN/A
Cap/Depr(3y)118.27%
Cap/Depr(5y)86.9%
Cap/Sales(3y)4.01%
Cap/Sales(5y)3%
Profit Quality(3y)104.05%
Profit Quality(5y)116.85%
High Growth Momentum
Growth
EPS 1Y (TTM)-19.3%
EPS 3Y-7.54%
EPS 5Y1.2%
EPS Q2Q%-2.78%
EPS Next Y55.83%
EPS Next 2Y28.33%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.8%
Revenue growth 3Y4.43%
Revenue growth 5Y3.51%
Sales Q2Q%27.26%
Revenue Next Year13.04%
Revenue Next 2Y8.25%
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-3.36%
FCF growth 3Y-6.63%
FCF growth 5Y25.61%
OCF growth 1Y-7.82%
OCF growth 3Y-4.78%
OCF growth 5Y18.48%

BAR HARBOR BANKSHARES / BHB Fundamental Analysis FAQ

What is the ChartMill fundamental rating of BAR HARBOR BANKSHARES (BHB) stock?

ChartMill assigns a fundamental rating of 4 / 10 to BHB.


Can you provide the valuation status for BAR HARBOR BANKSHARES?

ChartMill assigns a valuation rating of 5 / 10 to BAR HARBOR BANKSHARES (BHB). This can be considered as Fairly Valued.


Can you provide the profitability details for BAR HARBOR BANKSHARES?

BAR HARBOR BANKSHARES (BHB) has a profitability rating of 2 / 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 55.83% in the next year.


How sustainable is the dividend of BAR HARBOR BANKSHARES (BHB) stock?

The dividend rating of BAR HARBOR BANKSHARES (BHB) is 8 / 10 and the dividend payout ratio is 55.27%.