32.8 USD
+0.08 (+0.24%)
BHB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 387 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. 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.
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 has a Return On Assets (0.96%) which is in line with 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
Looking at the Profit Margin, with a value of 26.41%, BHB is in the better half of the industry, outperforming 63.05% 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
2. Health
2.1 Basic Checks
BHB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, BHB has more shares outstanding
The number of shares outstanding for BHB has been reduced compared to 5 years ago.
The debt/assets ratio for BHB has been reduced compared to a year ago.
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.
BHB has a Debt to FCF ratio of 0.99. This is in the better half of the industry: BHB outperforms 66.41% 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 68.99% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.99 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.72%
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%.
BHB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.42% yearly.
The Revenue has decreased by -1.32% in the past year.
Measured over the past years, BHB shows a small growth in Revenue. The Revenue has been growing by 4.86% on average per year.
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
Based on estimates for the next years, BHB will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.06% 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 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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
BHB is valuated correctly with a Price/Earnings ratio of 14.14.
BHB's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 26.76. BHB is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 9.28 indicates a reasonable valuation of BHB.
Based on the Price/Forward Earnings ratio, BHB is valued a bit cheaper than the industry average as 74.68% of the companies are valued more expensively.
BHB is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.96, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.14 | ||
| Fwd PE | 9.28 |
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 | 11.92 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.98
EPS Next 2Y11.35%
EPS Next 3Y9.06%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.12%, BHB is a good candidate for dividend investing.
BHB's Dividend Yield is rather good when compared to the industry average which is at 3.11. BHB pays more dividend than 83.72% of the companies in the same industry.
BHB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.12% |
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
47.41% of the earnings are spent on dividend by BHB. 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%
NYSEARCA:BHB (12/12/2025, 1:41:55 PM)
32.8
+0.08 (+0.24%)
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 Change4.33%
Market Cap547.43M
Revenue(TTM)150.73M
Net Income(TTM)39.49M
Analysts76.67
Price Target35.19 (7.29%)
Short Float %0.98%
Short Ratio2.56
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.12% |
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)0%
PT rev (3m)1.47%
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 | 14.14 | ||
| Fwd PE | 9.28 | ||
| P/S | 3.66 | ||
| P/FCF | 11.92 | ||
| P/OCF | 10.66 | ||
| P/B | 1.17 | ||
| P/tB | 1.58 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.32
EY7.07%
EPS(NY)3.53
Fwd EY10.77%
FCF(TTM)2.75
FCFY8.39%
OCF(TTM)3.08
OCFY9.38%
SpS8.96
BVpS28.09
TBVpS20.73
PEG (NY)N/A
PEG (5Y)0.98
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
WACC12.72%
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 9 / 10 and the dividend payout ratio is 47.41%.