BAR HARBOR BANKSHARES(NYSEARCA:BHB) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, BHB scores 3 out of 10 in our fundamental rating. BHB was compared to 398 industry peers in the Banks industry. BHB may be in some trouble as it scores bad on both profitability and health. BHB has a valuation in line with the averages, but it does not seem to be growing. BHB also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

BHB had positive earnings in the past year.

BHB had a positive operating cash flow in the past year.

BHB had positive earnings in 4 of the past 5 years.

BHB had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

The Return On Assets of BHB (1.05%) is better than 71.61% of its industry peers.

Looking at the Return On Equity, with a value of 9.24%, BHB is in the better half of the industry, outperforming 60.55% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.05%
ROE	9.24%
ROIC	N/A

ROA(3y)1.1%

ROA(5y)0.96%

ROE(3y)10.24%

ROE(5y)8.91%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

BHB has a better Profit Margin (28.27%) than 77.89% of its industry peers.

BHB's Profit Margin has been stable in the last couple of years.

The Operating Margin and Gross Margin are not available for BHB so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	28.27%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y7.76%

PM growth 5Y1.08%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

BHB does not have a ROIC to compare to the WACC, probably because it is not profitable.

BHB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

BHB has a debt to FCF ratio of 2.46. This is a good value and a sign of high solvency as BHB would need 2.46 years to pay back of all of its debts.

Looking at the Debt to FCF ratio, with a value of 2.46, BHB is in line with its industry, outperforming 47.49% of the companies in the same industry.

BHB has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.

With a Debt to Equity ratio value of 0.25, BHB is not doing good in the industry: 60.05% of the companies in the same industry are doing better.

Although BHB does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.

		Industry Rank	Sector Rank
Debt/Equity	0.25
Debt/FCF	2.46
Altman-Z	N/A

ROIC/WACCN/A

WACC10.51%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

BHB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.89%.

EPS 1Y (TTM)2.89%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%0%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%3.5%

3.2 Future

The Earnings Per Share is expected to grow by 7.00% on average over the next years.

The Revenue is expected to grow by 5.20% on average over the next years.

EPS Next Y3.39%

EPS Next 2Y7%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year5.8%

Revenue Next 2Y5.2%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

BHB is valuated reasonably with a Price/Earnings ratio of 10.24.

Based on the Price/Earnings ratio, BHB is valued a bit cheaper than the industry average as 67.59% of the companies are valued more expensively.

When comparing the Price/Earnings ratio of BHB to the average of the S&P500 Index (28.64), we can say BHB is valued rather cheaply.

With a Price/Forward Earnings ratio of 8.95, the valuation of BHB can be described as very reasonable.

BHB's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BHB is cheaper than 65.58% of the companies in the same industry.

BHB is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.44, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	10.24
Fwd PE	8.95

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BHB is valued a bit cheaper than the industry average as 60.30% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	9.73
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

PEG (NY)3.02

PEG (5Y)N/A

EPS Next 2Y7%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

BHB has a Yearly Dividend Yield of 4.56%, which is a nice return.

Compared to an average industry Dividend Yield of 3.68, BHB pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.52, BHB pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.56%

5.2 History

The dividend of BHB is nicely growing with an annual growth rate of 6.80%!

BHB has been paying a dividend for at least 10 years, so it has a reliable track record.

BHB has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)6.8%

Div Incr Years21

Div Non Decr Years29

5.3 Sustainability

41.10% of the earnings are spent on dividend by BHB. This is a bit on the high side, but may be sustainable.

BHB's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.

DP41.1%

EPS Next 2Y7%

EPS Next 3YN/A

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BAR HARBOR BANKSHARES

NYSEARCA:BHB (4/23/2025, 8:04:00 PM)

After market: 29.19 0 (0%)

29.19

-0.18 (-0.61%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-17 2025-04-17/amc

Earnings (Next)07-16 2025-07-16/amc

Inst Owners58.37%

Inst Owner Change0.59%

Ins Owners2.4%

Ins Owner Change3.55%

Market Cap446.32M

Analysts46.67

Price Target35.7 (22.3%)

Short Float %0.27%

Short Ratio0.9

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.56%

Yearly Dividend1.1

Dividend Growth(5Y)6.8%

DP41.1%

Div Incr Years21

Div Non Decr Years29

Ex-Date02-20 2025-02-20 (0.3)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)9.43%

Min EPS beat(2)1.51%

Max EPS beat(2)17.35%

EPS beat(4)4

Avg EPS beat(4)5.34%

Min EPS beat(4)0.86%

Max EPS beat(4)17.35%

EPS beat(8)8

Avg EPS beat(8)4.16%

EPS beat(12)10

Avg EPS beat(12)2.3%

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)1

Avg Revenue beat(2)-2.58%

Min Revenue beat(2)-5.45%

Max Revenue beat(2)0.3%

Revenue beat(4)1

Avg Revenue beat(4)-2.15%

Min Revenue beat(4)-5.45%

Max Revenue beat(4)0.3%

Revenue beat(8)3

Avg Revenue beat(8)-1.33%

Revenue beat(12)5

Avg Revenue beat(12)-0.86%

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)-1.41%

PT rev (3m)0%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	10.24
Fwd PE	8.95
P/S	2.97
P/FCF	9.73
P/OCF	8.07
P/B	0.97
P/tB	1.33
EV/EBITDA	N/A

EPS(TTM)2.85

EY9.76%

EPS(NY)3.26

Fwd EY11.18%

FCF(TTM)3

FCFY10.28%

OCF(TTM)3.62

OCFY12.39%

SpS9.83

BVpS30.08

TBVpS21.99

PEG (NY)3.02

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	1.05%
ROE	9.24%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	28.27%
GM	N/A
FCFM	30.51%

ROA(3y)1.1%

ROA(5y)0.96%

ROE(3y)10.24%

ROE(5y)8.91%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y7.76%

PM growth 5Y1.08%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.25
Debt/FCF	2.46
Debt/EBITDA	N/A
Cap/Depr	184.52%
Cap/Sales	6.28%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	107.93%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC10.51%

ROIC/WACCN/A

Cap/Depr(3y)69.19%

Cap/Depr(5y)101.66%

Cap/Sales(3y)2.4%

Cap/Sales(5y)3.94%

Profit Quality(3y)121.07%

Profit Quality(5y)99.49%

High Growth Momentum

Growth

EPS 1Y (TTM)2.89%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%0%

EPS Next Y3.39%

EPS Next 2Y7%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%3.5%

Revenue Next Year5.8%

Revenue Next 2Y5.2%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-32.46%

FCF growth 3Y43.26%

FCF growth 5Y4.41%

OCF growth 1Y-21.28%

OCF growth 3Y31.85%

OCF growth 5Y4.68%

BAR HARBOR BANKSHARES (BHB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens