BHB Fundamental Analysis - BAR HARBOR BANKSHARES

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to BHB. BHB was compared to 392 industry peers in the Banks industry. There are concerns on the financial health of BHB while its profitability can be described as average. BHB is not valued too expensively and it also shows a decent growth rate. Finally BHB also has an excellent dividend rating.

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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.

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

1.2 Ratios

BHB's Return On Assets of 0.96% is fine compared to the rest of the industry. BHB outperforms 60.71% of its industry peers.

BHB's Return On Equity of 8.42% is in line compared to the rest of the industry. BHB outperforms 50.51% of 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

With a decent Profit Margin value of 26.41%, BHB is doing good in the industry, outperforming 66.58% of the companies in the same industry.

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

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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.

The number of shares outstanding for BHB has been increased compared to 1 year ago.

The number of shares outstanding for BHB has been reduced compared to 5 years ago.

BHB has a better debt/assets ratio than last year.

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.

Looking at the Debt to FCF ratio, with a value of 0.99, BHB is in the better half of the industry, outperforming 69.90% 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 70.41% 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

WACC12.98%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

BHB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -5.84%.

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 -0.09%.

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

EPS 1Y (TTM)-5.84%

EPS 3Y2.9%

EPS 5Y14.42%

EPS Q2Q%-40.3%

Revenue 1Y (TTM)-0.09%

Revenue growth 3Y3.01%

Revenue growth 5Y4.86%

Sales Q2Q%-8.45%

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 10.60% yearly.

The Revenue is expected to grow by 14.27% on average over the next years. This is quite good.

EPS Next Y-3.61%

EPS Next 2Y10.6%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year14%

Revenue Next 2Y14.27%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

BHB is valuated reasonably with a Price/Earnings ratio of 11.83.

BHB's Price/Earnings is on the same level as the industry average.

BHB is valuated cheaply when we compare the Price/Earnings ratio to 27.86, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 8.76, the valuation of BHB can be described as very reasonable.

Compared to the rest of the industry, the Price/Forward Earnings ratio of BHB indicates a somewhat cheap valuation: BHB is cheaper than 72.45% of the companies listed in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 23.32. BHB is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	11.83
Fwd PE	8.76

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BHB is valued a bit cheaper than 60.20% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	11.09
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.82

EPS Next 2Y10.6%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.25%, BHB is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.59, BHB pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.44, BHB pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.25%

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 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 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 2Y10.6%

EPS Next 3YN/A

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BAR HARBOR BANKSHARES

NYSEARCA:BHB (10/6/2025, 4:15:01 PM)

After market: 30.53 0 (0%)

30.53

+0.15 (+0.49%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-22 2025-07-22/amc

Earnings (Next)10-15 2025-10-15/amc

Inst Owners54.8%

Inst Owner Change0%

Ins Owners2.36%

Ins Owner Change3.64%

Market Cap509.24M

Analysts76.67

Price Target34.68 (13.59%)

Short Float %0.76%

Short Ratio2.37

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.25%

Yearly Dividend1.17

Dividend Growth(5Y)6.32%

DP47.41%

Div Incr Years21

Div Non Decr Years29

Ex-Date08-14 2025-08-14 (0.32)

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)0%

PT rev (3m)4.62%

EPS NQ rev (1m)0%

EPS NQ rev (3m)9%

EPS NY rev (1m)0%

EPS NY rev (3m)-6.77%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-1.09%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.18%

Valuation

		Industry Rank	Sector Rank
PE	11.83
Fwd PE	8.76
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)2.58

EY8.45%

EPS(NY)3.49

Fwd EY11.42%

FCF(TTM)2.75

FCFY9.01%

OCF(TTM)3.08

OCFY10.08%

SpS8.96

BVpS28.11

TBVpS20.74

PEG (NY)N/A

PEG (5Y)0.82

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

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-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

WACC12.98%

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)-5.84%

EPS 3Y2.9%

EPS 5Y14.42%

EPS Q2Q%-40.3%

EPS Next Y-3.61%

EPS Next 2Y10.6%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-0.09%

Revenue growth 3Y3.01%

Revenue growth 5Y4.86%

Sales Q2Q%-8.45%

Revenue Next Year14%

Revenue Next 2Y14.27%

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-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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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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

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