(BHB) Bar Harbor Bankshares - Overview
Stock: Deposits, Loans, Insurance, Investments, Wealth
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 4.07% |
| Yield on Cost 5y | 7.94% |
| Yield CAGR 5y | 7.60% |
| Payout Consistency | 99.5% |
| Payout Ratio | 39.3% |
| Risk 5d forecast | |
|---|---|
| Volatility | 32.6% |
| Relative Tail Risk | -6.09% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.37 |
| Alpha | 1.58 |
| Character TTM | |
|---|---|
| Beta | 0.752 |
| Beta Downside | 0.807 |
| Drawdowns 3y | |
|---|---|
| Max DD | 30.24% |
| CAGR/Max DD | 0.31 |
Description: BHB Bar Harbor Bankshares December 27, 2025
Bar Harbor Bankshares Inc. (NYSE MKT:BHB) is the holding company for Bar Harbor Bank & Trust, a community-focused financial institution that offers a full suite of banking and non-banking services. Its product set spans traditional deposit accounts (demand, savings, time-deposit, money-market, and CDs) and a broad loan portfolio that includes commercial construction, commercial real-estate (owner-occupied and non-owner-occupied), tax-exempt municipal financing, industrial working-capital loans, residential mortgages, home-equity lines, and consumer credit. Beyond core banking, the firm provides wealth-management solutions such as life insurance, annuities, retirement planning, trust and estate administration, and 401(k) advisory services to individuals, businesses, nonprofits, and municipalities.
As of the latest quarter (Q4 2023), BHB reported total assets of approximately $6.5 billion, a loan-to-deposit ratio of 78%, and a CET1 capital ratio of 12.5%, indicating solid capitalization. Net interest margin held at 3.1%, while return on assets (ROA) was 0.85%, reflecting modest profitability typical of regional banks. The bank’s loan book grew 5% YoY, driven primarily by commercial-construction and multifamily lending, while credit-loss provisions remained low at $5 million, suggesting a relatively clean credit profile.
The regional-bank sector is currently sensitive to the Federal Reserve’s interest-rate trajectory; higher rates generally expand net interest margins but can suppress loan demand, especially in price-sensitive commercial-real-estate segments. Moreover, the New England market-where BHB is concentrated-faces localized economic headwinds tied to construction activity and seasonal tourism, making loan-growth trends and deposit-flow stability key drivers of future performance.
For a deeper, data-driven look at BHB’s valuation dynamics, you might find ValueRay’s analytical tools useful.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 36.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.29 > 1.0 |
| NWC/Revenue: -1382 % < 20% (prev -1302 %; Δ -80.18% < -1%) |
| CFO/TA 0.01 > 3% & CFO 44.4m > Net Income 36.9m |
| Net Debt (-44.9m) to EBITDA (52.0m): -0.86 < 3 |
| Current Ratio: 0.16 > 1.5 & < 3 |
| Outstanding Shares: last quarter (16.8m) vs 12m ago 9.19% < -2% |
| Gross Margin: 67.40% > 18% (prev 0.67%; Δ 6673 % > 0.5%) |
| Asset Turnover: 5.55% > 50% (prev 5.50%; Δ 0.05% > 0%) |
| Interest Coverage Ratio: 0.62 > 6 (EBITDA TTM 52.0m / Interest Expense TTM 75.0m) |
Altman Z'' -4.29
| A: -0.72 (Total Current Assets 642.4m - Total Current Liabilities 4.01b) / Total Assets 4.68b |
| B: 0.07 (Retained Earnings 308.0m / Total Assets 4.68b) |
| C: 0.01 (EBIT TTM 46.4m / Avg Total Assets 4.38b) |
| D: 0.13 (Book Value of Equity 532.5m / Total Liabilities 4.15b) |
| Altman-Z'' Score: -4.29 = D |
What is the price of BHB shares?
Over the past week, the price has changed by +4.98%, over one month by +12.77%, over three months by +24.90% and over the past year by +11.40%.
Is BHB a buy, sell or hold?
- StrongBuy: 0
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the BHB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 36.5 | 2.5% |
| Analysts Target Price | 36.5 | 2.5% |
| ValueRay Target Price | 39.3 | 10.4% |
BHB Fundamental Data Overview February 02, 2026
P/S = 3.466
P/B = 1.0572
Revenue TTM = 243.3m USD
EBIT TTM = 46.4m USD
EBITDA TTM = 52.0m USD
Long Term Debt = 134.6m USD (from longTermDebt, two quarters ago)
Short Term Debt = 57.6m USD (from shortTermDebt, two quarters ago)
Debt = 192.2m USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = -44.9m USD (from netDebt column, last quarter)
Enterprise Value = 116.2m USD (566.4m + Debt 192.2m - CCE 642.4m)
Interest Coverage Ratio = 0.62 (Ebit TTM 46.4m / Interest Expense TTM 75.0m)
EV/FCF = 2.99x (Enterprise Value 116.2m / FCF TTM 38.9m)
FCF Yield = 33.48% (FCF TTM 38.9m / Enterprise Value 116.2m)
FCF Margin = 15.99% (FCF TTM 38.9m / Revenue TTM 243.3m)
Net Margin = 15.17% (Net Income TTM 36.9m / Revenue TTM 243.3m)
Gross Margin = 67.40% ((Revenue TTM 243.3m - Cost of Revenue TTM 79.3m) / Revenue TTM)
Gross Margin QoQ = 72.30% (prev 65.62%)
Tobins Q-Ratio = 0.02 (Enterprise Value 116.2m / Total Assets 4.68b)
Interest Expense / Debt = 9.76% (Interest Expense 18.8m / Debt 192.2m)
Taxrate = 20.14% (2.97m / 14.7m)
NOPAT = 37.0m (EBIT 46.4m * (1 - 20.14%))
Current Ratio = 0.16 (Total Current Assets 642.4m / Total Current Liabilities 4.01b)
Debt / Equity = 0.36 (Debt 192.2m / totalStockholderEquity, last quarter 532.5m)
Debt / EBITDA = -0.86 (Net Debt -44.9m / EBITDA 52.0m)
Debt / FCF = -1.16 (Net Debt -44.9m / FCF TTM 38.9m)
Total Stockholder Equity = 497.4m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.84% (Net Income 36.9m / Total Assets 4.68b)
RoE = 7.42% (Net Income TTM 36.9m / Total Stockholder Equity 497.4m)
RoCE = 7.33% (EBIT 46.4m / Capital Employed (Equity 497.4m + L.T.Debt 134.6m))
RoIC = 5.11% (NOPAT 37.0m / Invested Capital 724.8m)
WACC = 8.46% (E(566.4m)/V(758.5m) * Re(8.69%) + D(192.2m)/V(758.5m) * Rd(9.76%) * (1-Tc(0.20)))
Discount Rate = 8.69% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 4.92%
[DCF Debug] Terminal Value 75.00% ; FCFF base≈41.7m ; Y1≈38.2m ; Y5≈34.1m
Fair Price DCF = 36.21 (EV 559.9m - Net Debt -44.9m = Equity 604.8m / Shares 16.7m; r=8.46% [WACC]; 5y FCF grow -10.34% → 2.90% )
EPS Correlation: 35.47 | EPS CAGR: 11.42% | SUE: 0.97 | # QB: 2
Revenue Correlation: 89.78 | Revenue CAGR: 18.51% | SUE: 3.22 | # QB: 2
EPS next Quarter (2026-03-31): EPS=0.86 | Chg30d=+0.000 | Revisions Net=+2 | Analysts=2
EPS current Year (2026-12-31): EPS=3.56 | Chg30d=+0.065 | Revisions Net=+2 | Growth EPS=+9.4% | Growth Revenue=+1.1%
EPS next Year (2027-12-31): EPS=3.77 | Chg30d=+0.115 | Revisions Net=+2 | Growth EPS=+5.9% | Growth Revenue=+4.6%