StockData
Bar Harbor Bankshares logo

Bar Harbor Bankshares (BHB) stock analysis

BHBNYSEState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 9, 2026Score 2/30
$41.39−0.14 (-0.34%)

Close on Nov 12, 2026Market cap $693.95MP/E 12.2Yield 3.04%

StockData Score

Prices as of Nov 11, 2026How the score works

Value0Growth0Performance0Health0Dividend2

Weak2 of 30 checks passed

Bar Harbor Bankshares passes 2 of the 30 checks behind our score; 26 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
0/6
Growth
0/6
Past performance
0/6
Financial health
0/6
Dividend
2/6

What stands out

  • Dividend not cut

    The dividend per share has not fallen by more than 10% in any of the last 9 fiscal years.

  • Pays a dividend

    Bar Harbor Bankshares paid dividends worth 3.2% of the share price over the last twelve months.

What to watch

  • Yield below Treasuries

    The 3.2% yield is below the 4.4% on a 1-year Treasury.

  • Yield below the top quarter

    The top quarter of US dividend payers yield 3.8% or more; Bar Harbor Bankshares yields 3.2%.

Valuation0/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S against the industry

    Not enough revenue data to compare.

  • P/B against the industry

    Needs positive book value.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth0/6

  • Revenue growth over 3 years

    Needs three years of positive revenue.

  • EPS growth over 3 years

    Needs positive EPS three years ago and today.

  • Earnings acceleration

    Needs positive net income now, a year ago and five years ago.

  • Growth against the industry

    Needs revenue for this year and last.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance0/6

  • Return on equity

    Needs positive equity and five years of results.

  • Return on assets

    Needs net income and total assets.

  • Return on equity against the industry

    Needs positive equity.

  • Earnings over 5 years

    Needs positive net income five years ago and in the latest year.

  • Net margin against its history

    Needs five years of revenue and net income.

  • Net margin against the industry

    Needs revenue and net income.

Financial health0/6

  • Well capitalized

    Needs equity and total assets.

  • Loans funded by deposits

    Needs loans and deposits.

  • Adequate loan-loss reserve

    The allowance for credit losses is not reported.

  • Efficient operations

    Needs non-interest expense and revenue.

  • Deposits growing

    Needs deposits a year ago.

  • Borrowings

    Needs debt and equity figures.

Dividend2/6

  • Pays a dividend

    Bar Harbor Bankshares paid dividends worth 3.2% of the share price over the last twelve months.

  • Yield below Treasuries

    The 3.2% yield is below the 4.4% on a 1-year Treasury.

  • Yield below the top quarter

    The top quarter of US dividend payers yield 3.8% or more; Bar Harbor Bankshares yields 3.2%.

  • Dividend not cut

    The dividend per share has not fallen by more than 10% in any of the last 9 fiscal years.

  • Earnings cover

    Needs dividends paid and net income.

  • Cash-flow cover

    Needs dividends paid and free cash flow.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for Bar Harbor Bankshares. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 11.0
  • Commercial Banks median 12.1

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Medium risk

Average value traded per day
$3.13M
Value traded per 1% price move
$3.52M

Downside

Low risk

Typical loss in a bad month
10.4%
Volatility (annualized)
23%
Sharpe ratio, 1 year
1.57
Beta to the S&P 500 (5Y)
0.65

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2011 to 2025

Net margin

21.9%−112.7 pts over 5 years

See a number that looks wrong?