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Bar Harbor Bankshares
(BHB)
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Rating:77Outperform
Price Target:
$46.00
â–²(17.89% Upside)
Action:Upgraded
Date:08/06/26
The score is driven primarily by solid financial performance—healthy margins, improving earnings, and strong free cash flow—supported by a clear technical uptrend. Valuation is reasonable with an attractive dividend yield, while the main offset is recent revenue decline that could weigh on future results if it continues.
Positive Factors
Profitability & Margins
Sustained high operating and net margins signal efficient core banking operations and pricing power in the regional market. Durable margin strength supports internal capital formation and dividend capacity, helping the bank absorb cyclical loan losses without immediate capital raises.
Negative Factors
Top-line Weakness
A durable decline in revenue can erode the profitability cushion and limit internal funding for growth. If loan or fee income trends remain weak, management must sustain margins or cut costs to preserve ROE, increasing execution risk and constraining long-term expansion.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability & Margins
Sustained high operating and net margins signal efficient core banking operations and pricing power in the regional market. Durable margin strength supports internal capital formation and dividend capacity, helping the bank absorb cyclical loan losses without immediate capital raises.
Read all positive factors
Bar Harbor Bankshares (BHB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$664.83M
Dividend Yield3.27%
Average Volume (3M)92.27K
Price to Earnings (P/E)13.4
Beta (1Y)0.80
Revenue Growth18.94%
EPS Growth14.83%
CountryUS
Employees530
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.97
Shares Outstanding16,742,104
10 Day Avg. Volume94,153
30 Day Avg. Volume92,267
Financial Highlights & Ratios
PEG Ratio-0.71
Price to Book (P/B)0.97
Price to Sales (P/S)2.13
P/FCF Ratio11.93
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$41.00Price Target Upside5.07% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3.66
Revenue Forecast (FY)$198.07M
Bar Harbor Bankshares Business Overview & Revenue Model
Company Description
Bar Harbor Bankshares acts as the parent organization for Bar Harbor Bank & Trust, which delivers a full spectrum of banking services covering commercial, retail, lending, and wealth management. The bank offers a variety of deposit products, inclu...
How the Company Makes Money
BHB generates revenue primarily through its banking subsidiary by earning interest income and collecting fees for financial services. The largest driver is net interest income: the bank earns interest and fees on loans (such as commercial loans, c...
Bar Harbor Bankshares Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
72
Positive
Cash Flow
78
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 228.46M | 243.34M | 224.44M | 150.41M | 161.17M | 153.06M |
| Gross Profit | 149.24M | 164.01M | 149.38M | 150.41M | 143.67M | 138.96M |
| EBITDA | 57.81M | 52.02M | 56.03M | 0.00 | 61.27M | 55.23M |
| Net Income | 49.37M | 36.92M | 43.54M | 44.85M | 43.56M | 39.30M |
Balance Sheet | ||||||
| Total Assets | 4.74B | 4.68B | 4.08B | 3.97B | 3.91B | 3.71B |
| Cash, Cash Equivalents and Short-Term Investments | 648.04M | 678.26M | 592.61M | 629.42M | 651.81M | 868.66M |
| Total Debt | 281.16M | 269.64M | 290.60M | 301.50M | 394.25M | 178.52M |
| Total Liabilities | 4.19B | 4.15B | 3.62B | 3.54B | 3.52B | 3.29B |
| Stockholders Equity | 549.55M | 532.54M | 458.43M | 432.06M | 393.45M | 424.15M |
Cash Flow | ||||||
| Free Cash Flow | 57.91M | 43.47M | 44.98M | 40.87M | 53.39M | 57.45M |
| Operating Cash Flow | 64.09M | 48.28M | 52.37M | 47.40M | 55.91M | 59.17M |
| Investing Cash Flow | 71.64M | 88.71M | -141.88M | -62.29M | -408.89M | -4.75M |
| Financing Cash Flow | -41.48M | -128.31M | 66.83M | 17.43M | 194.88M | -30.03M |
Bar Harbor Bankshares Technical Analysis
Positive
39.02
Price Trends
37.52
Positive
35.50
Positive
33.38
Positive
Market Momentum
0.86
Negative
63.27
Neutral
79.32
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BHB, the sentiment is Positive. The current price of 39.02 is above the 20-day moving average (MA) of 38.93, above the 50-day MA of 37.52, and above the 200-day MA of 33.38, indicating a bullish trend. The MACD of 0.86 indicates Negative momentum. The RSI at 63.27 is Neutral, neither overbought nor oversold. The STOCH value of 79.32 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BHB.
Bar Harbor Bankshares Risk Analysis
Bar Harbor Bankshares disclosed 55 risk factors in its most recent earnings report. Bar Harbor Bankshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Bar Harbor Bankshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $664.83M | 13.37 | 9.22% | 3.33% | 18.94% | 14.83% | |
76 Outperform | $589.71M | 8.55 | 20.68% | 2.36% | 18.07% | 52.19% | |
76 Outperform | $814.71M | 15.69 | 7.65% | 0.43% | 10.61% | 59.91% | |
75 Outperform | $704.37M | 12.39 | 11.50% | 3.58% | 0.41% | 68.29% | |
73 Outperform | $591.31M | 10.07 | 16.64% | 1.07% | 10.15% | 16.03% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
57 Neutral | $639.41M | 127.58 | 0.68% | 3.40% | 6.67% | -84.79% |
* Financial Sector Average
BHB
Bar Harbor Bankshares
40.19
11.27
38.99%
NFBK
Northfield Bancorp
15.31
5.08
49.66%
NRIM
Northrim Bancorp
26.56
6.71
33.80%
PGC
Peapack-Gladstone Financial
45.99
21.19
85.47%
UNTY
Unity Bancorp
60.10
14.17
30.84%
PFIS
Peoples Financial Services
71.55
26.39
58.43%
Bar Harbor Bankshares Corporate Events
Business Operations and StrategyFinancial DisclosuresRegulatory Filings and Compliance
Bar Harbor Bankshares Releases 2026 Investor Presentation Update
Neutral
Jul 27, 2026
On July 27, 2026, Bar Harbor Bankshares released a 2026 investor presentation ahead of meetings scheduled for July 28, 2026, and made the materials available to the public via its website. The presentation and accompanying Form 8-K detail extensiv...
Business Operations and StrategyDividendsFinancial Disclosures
Bar Harbor Bankshares Posts Strong Q2 2026 Results
Positive
Jul 21, 2026
On July 21, 2026, Bar Harbor Bankshares reported second-quarter 2026 GAAP net income of $15.2 million, or $0.91 per diluted share, and core earnings of $15.4 million, or $0.92 per share, up from the first quarter, supported by a higher net interes...
Executive/Board ChangesShareholder Meetings
Bar Harbor Bankshares Shareholders Back Board and Governance Matters
Positive
May 7, 2026
Bar Harbor Bankshares reported that shareholders attending its May 7, 2026 annual meeting represented 83% of eligible voting power, underscoring strong investor engagement in the governance process. All 10 director nominees were elected to serve u...
Financial DisclosuresRegulatory Filings and ComplianceShareholder Meetings
Bar Harbor Bankshares Updates Investor Presentation and Disclosures
Neutral
May 6, 2026
On May 6, 2026, Bar Harbor Bankshares released an updated investor presentation ahead of its annual shareholder meeting scheduled for May 7, 2026, making the materials available through a regulatory filing and on its website. The presentation is a...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.