BHB Stock Analysis: Bar Harbor Bankshares | NYSE MKT
Banks - Regional | NYSE MKT, USA | Market Cap: 661m USD | 12M Return: 33.6% | US0668491006 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.59M
EPS Trend: 66.2%
Qual. Beats: 0
Rev. Trend: 88.9%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Bar Harbor Bankshares (NYSE MKT: BHB) is the holding company for Bar Harbor Bank & Trust, a community-oriented financial institution serving consumers and businesses primarily in northern New England. Founded in 1887 and headquartered in Bar Harbor, Maine, the company operates as a traditional regional bank holding company, generating revenue through net interest income on loans and deposits, supplemented by fee-based services.
The company offers a full suite of deposit products-including demand, savings, money market, and time deposit accounts, as well as certificates of deposit-and a diversified lending portfolio spanning commercial construction, commercial real estate, tax-exempt municipal loans, commercial and industrial loans, residential mortgages, home equity loans, and consumer credit. Beyond core banking, Bar Harbor provides wealth management, trust and estate administration, financial planning, retirement and annuity products, and third-party investment and insurance services, reflecting the cross-selling model typical of community banks seeking to deepen customer relationships and diversify non-interest income.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan portfolio faces credit quality deterioration
- Wealth management fee income grows diversifying revenue mix
| Net Income: 49.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.10 > 1.0 |
| NWC/Revenue: -1.50k% < 20% (prev -1.34k%; Δ -162.8% < -1%) |
| CFO/TA 0.01 > 3% & CFO 64.1m > Net Income 49.4m |
| Net Debt (-366.9m) to EBITDA (60.7m): -6.04 < 3 |
| Current Ratio: 0.16 > 1.5 & < 3 |
| Outstanding Shares: last quarter (16.8m) vs 12m ago 9.34% < -2% |
| Gross Margin: 65.32% > 18% (prev 66.27%; Δ -0.95% > 0.5%) |
| Asset Turnover: 5.16% > 50% (prev 5.43%; Δ -0.27% > 0%) |
| Interest Coverage Ratio: 0.70 > 6 (EBIT TTM 52.1m / Interest Expense TTM 74.1m) |
| A: -0.72 (Total Current Assets 648.0m - Total Current Liabilities 4.08b) / Total Assets 4.74b |
| B: 0.07 (Retained Earnings 332.0m / Total Assets 4.74b) |
| C: 0.01 (EBIT TTM 52.1m / Avg Total Assets 4.43b) |
| D: 0.13 (Book Value of Equity 549.6m / Total Liabilities 4.19b) |
| Altman-Z'' = -4.30 = D |
As of October 06, 2026, the stock is trading at USD 39.24 with a total of 80,047 shares traded. Over the past week, the price has changed by +0.08%, over one month by -2.02%, over three months by +4.52% and over the past year by +33.63%.
Current recommended Stop Loss: 37.90 (which is 3.4% or 1.4 ATR below the current price).
Bar Harbor Bankshares has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold BHB.
- StrongBuy: 0
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 41 | 4.5% |
P/E Trailing = 13.1063
P/E Forward = 12.1212
P/S = 3.5297
P/B = 1.2243
Revenue TTM = 228.5m USD
EBIT TTM = 52.1m USD
EBITDA TTM = 60.7m USD
Long Term Debt = 135.6m USD (from longTermDebt, last quarter)
Short Term Debt = 227.5m USD (from shortTermDebt, last quarter)
Debt = 281.2m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -366.9m USD (calculated: Debt 281.2m - CCE 648.0m)
Enterprise Value = 294.5m USD (661.4m + Debt 281.2m - CCE 648.0m)
Interest Coverage Ratio = 0.70 (Ebit TTM 52.1m / Interest Expense TTM 74.1m)
EV/FCF = 5.09x (Enterprise Value 294.5m / FCF TTM 57.9m)
FCF Yield = 19.66% (FCF TTM 57.9m / Enterprise Value 294.5m)
FCF Margin = 25.35% (FCF TTM 57.9m / Revenue TTM 228.5m)
Net Margin = 21.61% (Net Income TTM 49.4m / Revenue TTM 228.5m)
Gross Margin = 65.32% ((Revenue TTM 228.5m - Cost of Revenue TTM 79.2m) / Revenue TTM)
Gross Margin QoQ = 50.71% (prev 66.74%)
Tobins Q-Ratio = 0.06 (Enterprise Value 294.5m / Total Assets 4.74b)
Interest Expense / Debt = 26.35% (Interest Expense 74.1m / Debt 281.2m)
Taxrate = 20.54% (12.8m / 62.1m)
NOPAT = 41.4m (EBIT 52.1m * (1 - 20.54%))
Current Ratio = 0.16 (Total Current Assets 648.0m / Total Current Liabilities 4.08b)
Debt / Equity = 0.51 (Debt 281.2m / totalStockholderEquity, last quarter 549.6m)
Debt / EBITDA = -6.04 (Net Debt -366.9m / EBITDA 60.7m)
Debt / FCF = -6.33 (Net Debt -366.9m / FCF TTM 57.9m)
Total Stockholder Equity = 535.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.12% (Net Income 49.4m / Total Assets 4.74b)
RoE = 9.22% (Net Income TTM 49.4m / Total Stockholder Equity 535.2m)
RoCE = 7.77% (EBIT 52.1m / Capital Employed (Equity 535.2m + L.T.Debt 135.6m))
RoIC = 4.72% (NOPAT 41.4m / Invested Capital 877.1m)
WACC = 11.49% (E(661.4m)/V(942.6m) * Re(7.47%) + D(281.2m)/V(942.6m) * Rd(26.35%) * (1-Tc(0.21)))
Discount Rate = 7.47% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 89.81 | Cagr: 4.36%
[DCF] Terminal Value 68.52% ; FCFF base≈53.1m ; Y1≈60.9m ; Y5≈89.6m
[DCF] Fair Price = 73.53 (EV 866.0m - Net Debt -366.9m = Equity 1.23b / Shares 16.8m; r=11.49% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 66.19 | EPS CAGR: 7.10% | SUE: 0.0 | # QB: 0
Revenue Correlation: 88.95 | Revenue CAGR: 5.52% | SUE: -0.29 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.94 | Chg30d=+1.62% | Revisions=+0% | Analysts=2
EPS current Year (2026-12-31): EPS=3.62 | Chg30d=+0.14% | Revisions=+0% | GrowthEPS=+11.2% | GrowthRev=+13.3%
EPS next Year (2027-12-31): EPS=3.79 | Chg30d=-0.92% | Revisions=+0% | GrowthEPS=+4.4% | GrowthRev=+4.4%
[Analyst] Revisions Ratio: +0% (up=3, down=3)