Bar Harbor Bankshares (BHB) AI Stock Analysis

• Market Cap: $578.44M
• Dividend Yield: 3.92%
• Average Volume (3M): 177.95K
• Price to Earnings (P/E): 14.0
• Beta (1Y): 0.79
• Revenue Growth: 4.26%
• EPS Growth: -16.52%
• Country: US
• Employees: 458
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 16,742,104
• 10 Day Avg. Volume: 110,477
• 30 Day Avg. Volume: 177,947
• PEG Ratio: -0.74
• Price to Book (P/B): 0.97
• Price to Sales (P/S): 2.13
• P/FCF Ratio: 10.87
• Enterprise Value/Market Cap: 1.38
• Enterprise Value/Revenue: 3.28
• Enterprise Value/Gross Profit: 4.87
• Enterprise Value/Ebitda: 15.36
• 1Y Price Target: $36.50
• Price Target Upside: 5.64% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): 3.57
• Revenue Forecast (FY): $198.47M

• Rating: 62 Neutral
• Price Target: $37.00 ▲(7.09% Upside)
• Action: Downgraded Date: 03/13/26
• Date: Action: Downgraded 03/13/26

The score is primarily driven by stable but mixed financial performance (improving revenue growth and healthier leverage offset by margin/ROE pressure and volatile free cash flow). Technical indicators are a notable headwind due to bearish trend and negative momentum, while valuation (moderate P/E and a ~4.1% yield) and a positive recent corporate update provide partial support.

Positive Factors

Improving leverage / stronger equity base

Lower debt-to-equity and a larger equity base materially improve balance-sheet resilience and loss-absorbing capacity. Over the next several quarters this reduces refinancing and liquidity stress, enables disciplined lending and dividend support, and provides capacity for measured M&A or loan growth.

Negative Factors

Compressed profitability and lower ROE

Declining return on equity and compressed margins signal weaker capital efficiency and hurdle for reinvestment or dividend growth. Persistently lower ROE may limit capital allocation flexibility, pressure investor returns, and indicate margins or pricing power that need structural improvement to restore long-term profitability.

Bar Harbor Bankshares Business Overview & Revenue Model

Company Description

Bar Harbor Bankshares operates as the holding company for Bar Harbor Bank & Trust that provides commercial, lending, retail, and wealth management banking services. It accepts various deposit products, including interest-bearing and non-interest-b...

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Bar Harbor Bankshares operates as the holding company for Bar Harbor Bank & Trust that provides commercial, lending, retail, and wealth management banking services. It accepts various deposit products, including interest-bearing and non-interest-b...

How the Company Makes Money

BHB primarily earns money through (1) net interest income and (2) noninterest income. Net interest income is generated by taking deposits and other funding (e.g., checking, savings, money market, and time deposits) and deploying those funds into i...

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BHB primarily earns money through (1) net interest income and (2) noninterest income. Net interest income is generated by taking deposits and other funding (e.g., checking, savings, money market, and time deposits) and deploying those funds into i...

Bar Harbor Bankshares Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	243.34M	224.44M	150.41M	161.17M	153.06M
Gross Profit	164.01M	149.38M	150.41M	143.67M	138.96M
EBITDA	52.02M	56.03M	0.00	61.27M	55.23M
Net Income	36.92M	43.54M	44.85M	43.56M	39.30M
Balance Sheet
Total Assets	4.68B	4.08B	3.97B	3.91B	3.71B
Cash, Cash Equivalents and Short-Term Investments	642.37M	592.61M	629.42M	651.81M	868.66M
Total Debt	269.64M	290.60M	301.50M	394.25M	178.52M
Total Liabilities	4.15B	3.62B	3.54B	3.52B	3.29B
Stockholders Equity	532.54M	458.43M	432.06M	393.45M	424.15M
Cash Flow
Free Cash Flow	47.68M	44.98M	40.87M	53.39M	57.45M
Operating Cash Flow	48.28M	52.37M	47.40M	55.91M	59.17M
Investing Cash Flow	88.71M	-141.88M	-62.29M	-408.89M	-4.75M
Financing Cash Flow	-128.31M	66.83M	17.43M	194.88M	-30.03M

Bar Harbor Bankshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 34.55
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 34.55 is above the 20-day moving average (MA) of 33.04, above the 50-day MA of 33.23, and above the 200-day MA of 31.20, indicating a bullish trend. The MACD of 0.67 indicates Negative momentum. The RSI at 63.39 is Neutral, neither overbought nor oversold. The STOCH value of 84.39 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BHB.

Bar Harbor Bankshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
UNTY	71 Outperform	$542.49M	9.08	17.76%	1.08%	11.38%	36.10%
PFIS	69 Neutral	$572.85M	8.23	10.83%	4.97%	39.98%	413.87%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
NRIM	67 Neutral	$543.91M	9.10	21.32%	2.31%	36.60%	92.63%
PGC	66 Neutral	$688.24M	13.10	5.85%	0.70%	9.16%	6.95%
BHB	62 Neutral	$578.44M	14.04	7.42%	3.92%	4.26%	-16.52%
NFBK	49 Neutral	$586.37M	576.05	0.11%	4.38%	6.08%	52.64%

Bar Harbor Bankshares Corporate Events