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Company Analysis

Bar Harbor Bankshares, Inc. BHB

A comprehensive view of key metrics, scores, and financial health for Bar Harbor Bankshares, Inc.

Overview of Bar Harbor Bankshares

BHB ASE
Financial Services Banks - Regional Framework: Banks & Lenders Small Cap
Bar Harbor Bankshares (BHB), is a Small Cap company, in the Banks - Regional industry, last closed at $39.96, about 17.1% overvalued vs fair value, +36.6% 1Y return, ranked 308/1078 in sector.
Metrics P/E 13.4× Rev Growth 12.5% ROE 7.4% Gross Margin 97.5% Div Yield 3.94%
USD 39.96
4.50%
(Delayed)
• Vol 90d: 23.3%
52-Week Range
Market Cap
$620.80M
Enterprise Value
$751.22M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Good
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Good
Completeness: 82%
Confidence: 85%
Updated: Jul 5
Top Beats

Quick Facts

Website https://www.barharbor.bank
HQ Bar Harbor, ME
Fiscal year Dec 31

Next Events

Dividend Jun 18
Earnings Jul 21 Estimated

Fair Value Snapshot

Bear Base Bull
$18
$33
$62
Current: $39.96 -17% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$209.5M
11%%
Interest Expense
$75.0M
Net Interest Income
$134.5M
18.1%%
Total Revenue
$168.3M
12.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
6.9%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$18.8M
43.2% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Bar Harbor Bankshares, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
48
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
49
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing BHB's balance between Growth (41.2%), Profitability (27.3%), and Safety (31.5%). Growth 41% Safety 31% Profitability 27%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

66th percentile vs peers
67
Key Signals
Asset Growth YoY 14.7% 84p NII Growth YoY 18.1% 73p Equity Growth YoY 16.2% 78p EPS Growth YoY -18.6% 16p
Strengths
  • Asset Growth YoY in top 20% of peers (14.7%, 84th percentile)
  • Growth above peer median with strong metric coverage (80%)
Risks
  • EPS Growth YoY in bottom 20% of peers (-18.6%)

Profitability

44th percentile vs peers
44
Key Signals
Strengths
Risks
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Safety

51th percentile vs peers
51
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Bar Harbor Bankshares, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$33.14
- - -
-17.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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