BHB Stock Analysis: Bar Harbor Bankshares | NYSE MKT
Banks - Regional | NYSE MKT, USA | Market Cap: 631m USD | 12M Return: 23.2% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 4.69M
EPS Trend: 32.9%
Qual. Beats: 0
Rev. Trend: 94.7%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 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 that provides a comprehensive suite of banking and nonbanking products and services to consumers and businesses. The company, founded in 1887 and headquartered in Bar Harbor, Maine, generates revenue primarily through net interest income from its lending activities, which span commercial construction loans, commercial real estate, commercial and industrial loans, residential mortgages, home equity loans, and various consumer loan products, alongside traditional deposit products such as checking, savings, money market accounts, and certificates of deposit.
In addition to core banking services, Bar Harbor operates a community-focused wealth management division offering trust and estate administration, investment management, financial planning, retirement products, and family office services, providing meaningful fee-based income diversification beyond interest spread activities. As a small-cap regional bank, BHB operates within the highly competitive U.S. community banking sector, where institutions like BHB typically compete against both larger national banks and other local community banks by emphasizing local decision-making, relationship banking, and service quality in their defined geographic markets.
- Net interest margin expands on elevated rate environment
- Commercial real estate loan portfolio growth drives earnings
- Deposit costs pressure margins amid regional bank funding competition
| Net Income: 40.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.38 > 1.0 |
| NWC/Revenue: -1.52k% < 20% (prev -1.37k%; Δ -157.7% < -1%) |
| CFO/TA 0.01 > 3% & CFO 44.0m > Net Income 40.2m |
| Net Debt (-31.3m) to EBITDA (46.2m): -0.68 < 3 |
| Current Ratio: 0.06 > 1.5 & < 3 |
| Outstanding Shares: last quarter (16.8m) vs 12m ago 9.17% < -2% |
| Gross Margin: 67.33% > 18% (prev 66.56%; Δ 0.77% > 0.5%) |
| Asset Turnover: 5.56% > 50% (prev 5.56%; Δ -0.01% > 0%) |
| Interest Coverage Ratio: 0.54 > 6 (EBIT TTM 40.4m / Interest Expense TTM 74.9m) |
| A: -0.79 (Total Current Assets 247.0m - Total Current Liabilities 3.95b) / Total Assets 4.68b |
| B: 0.07 (Retained Earnings 322.5m / Total Assets 4.68b) |
| C: 0.01 (EBIT TTM 40.4m / Avg Total Assets 4.37b) |
| D: 0.13 (Book Value of Equity 537.9m / Total Liabilities 4.14b) |
| Altman-Z'' = -4.77 = D |
As of July 08, 2026, the stock is trading at USD 37.47 with a total of 76,421 shares traded. Over the past week, the price has changed by -2.29%, over one month by +4.61%, over three months by +12.73% and over the past year by +23.16%.
Current recommended Stop Loss: 34.70 (which is 7.4% or 2.7 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 | 38 | 1.4% |
P/E Trailing = 15.3089
P/E Forward = 12.1212
P/S = 3.6446
P/B = 1.1721
Revenue TTM = 242.8m USD
EBIT TTM = 40.4m USD
EBITDA TTM = 46.2m USD
Long Term Debt = 135.4m USD (from longTermDebt, last quarter)
Short Term Debt = 80.3m USD (from shortTermDebt, last quarter)
Debt = 215.7m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -31.3m USD (calculated: Debt 215.7m - CCE 247.0m)
Enterprise Value = 599.2m USD (630.5m + Debt 215.7m - CCE 247.0m)
Interest Coverage Ratio = 0.54 (Ebit TTM 40.4m / Interest Expense TTM 74.9m)
EV/FCF = 17.73x (Enterprise Value 599.2m / FCF TTM 33.8m)
FCF Yield = 5.64% (FCF TTM 33.8m / Enterprise Value 599.2m)
FCF Margin = 13.92% (FCF TTM 33.8m / Revenue TTM 242.8m)
Net Margin = 16.58% (Net Income TTM 40.2m / Revenue TTM 242.8m)
Gross Margin = 67.33% ((Revenue TTM 242.8m - Cost of Revenue TTM 79.3m) / Revenue TTM)
Gross Margin QoQ = 66.74% (prev 72.30%)
Tobins Q-Ratio = 0.13 (Enterprise Value 599.2m / Total Assets 4.68b)
Interest Expense / Debt = 34.72% (Interest Expense 74.9m / Debt 215.7m)
Taxrate = 20.14% (10.1m / 50.4m)
NOPAT = 32.3m (EBIT 40.4m * (1 - 20.14%))
Current Ratio = 0.06 (Total Current Assets 247.0m / Total Current Liabilities 3.95b)
Debt / Equity = 0.40 (Debt 215.7m / totalStockholderEquity, last quarter 537.9m)
Debt / EBITDA = -0.68 (Net Debt -31.3m / EBITDA 46.2m)
Debt / FCF = -0.93 (Net Debt -31.3m / FCF TTM 33.8m)
Total Stockholder Equity = 515.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.92% (Net Income 40.2m / Total Assets 4.68b)
RoE = 7.81% (Net Income TTM 40.2m / Total Stockholder Equity 515.1m)
RoCE = 6.21% (EBIT 40.4m / Capital Employed (Equity 515.1m + L.T.Debt 135.4m))
RoIC = 4.05% (NOPAT 32.3m / Invested Capital 796.4m)
WACC = 12.91% (E(630.5m)/V(846.2m) * Re(7.84%) + D(215.7m)/V(846.2m) * Rd(34.72%) * (1-Tc(0.20)))
Discount Rate = 7.84% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 71.49 | Cagr: 5.72%
[DCF] Terminal Value 58.13% ; FCFF base≈38.2m ; Y1≈33.5m ; Y5≈27.1m
[DCF] Fair Price = 16.81 (EV 250.1m - Net Debt -31.3m = Equity 281.4m / Shares 16.7m; r=12.91% [WACC]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 32.90 | EPS CAGR: 2.68% | SUE: 0.39 | # QB: 0
Revenue Correlation: 94.70 | Revenue CAGR: 7.82% | SUE: 0.21 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.90 | Chg30d=+0.00% | Revisions=+40% | Analysts=2
EPS next Quarter (2026-09-30): EPS=0.93 | Chg30d=+0.00% | Revisions=+0% | Analysts=2
EPS current Year (2026-12-31): EPS=3.62 | Chg30d=+0.00% | Revisions=+40% | GrowthEPS=+11.0% | GrowthRev=+12.8%
EPS next Year (2027-12-31): EPS=3.82 | Chg30d=+0.00% | Revisions=+40% | GrowthEPS=+5.5% | GrowthRev=+5.1%
[Analyst] Revisions Ratio: +55% (up=7, down=1)