Zacks Investment Research·Jun 19, 2026
Bar Harbor Bankshares (BHB) Could Be a Great ChoiceDividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Bar Harbor (BHB) have what it takes?
Bar Harbor Bankshares(BHB)Earnings, Financials & Key Ratios
BHB•AMEX•Banking & Credit
$39.07
17.0× P/E·Price updated Jun 27, 2026
AboutBar 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-bearing demand accounts, savings accounts, time deposits, and money market deposit accounts, as well as certificates of deposit. The company also provides commercial real estate loans, such as multi-family, commercial construction and land development, and other commercial real estate classes; commercial and industrial loans, including loans to commercial and agricultural businesses, and tax exempt entities; residential real estate loans consists of mortgages for 1-4 family housing; and consumer loans comprises home equity loans, lines of credit, auto, and other installment lending. In addition, it provides life insurance, annuity, and retirement products, as well as financial planning services; and third-party investment and insurance services. Further, the company offers trust and estate administration, wealth advisory, and investment management services to individuals, businesses, not-for-profit organizations, and municipalities; and 401K plan, financial, estate and charitable planning, investment management, family office, municipal, and tax services. It operates 53 locations across Maine, New Hampshire, and Vermont. The company was founded in 1887 and is based in Bar Harbor, Maine.Show more
- Net Interest Income$134M+18.1%
- Total Revenue$243M+8.4%
- Net Income$37M-15.2%
- Return on Equity7.45%-23.8%
- Net Interest Margin2.87%+3.0%
- Efficiency Ratio48.35%+12.2%
- ROA0.84%-22.1%
- Equity / Assets11.37%+1.3%
- Book Value per Share31.78+6.1%
BHB Price & Volume
Bar Harbor Bankshares (BHB) stock price & volume — 10-year historical chart
Loading chart...
Asset Expansion Challenges Persistent Margin Compression Pressures
Investment Thesis • Updated 2026Q1
VerdictNeutral: While the forward P/E of 10.79 suggests potential value
Growth:Accelerating
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:Regional CRE concentration
Key Thesis Takeaways
- Bar Harbor Bankshares demonstrates a robust organic growth trajectory, evidenced by total assets increasing to $4.7 billion by 2026Q1, though this expansion is tempered by structural net interest margin stagnation at 0.8%.
- While the wealth management segment provides a critical revenue stabilizer with non-interest income reaching $10.6 million in 2025Q3, investors should monitor the high concentration of investment securities, which comprise nearly 90% of total assets.
- The bank's ability to maintain a 3.1% dividend yield while navigating potential credit volatility in its regional commercial real estate portfolio remains a central focus for long-term valuation.
Verdict Logic
the persistent 0.8% net interest margin and high securities concentration warrant caution regarding future earnings sensitivity to interest rate volatility.
BHB Growth Metrics
Bar Harbor Bankshares (BHB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years14.25%
5 Years7.56%
3 Years14.72%
TTM-
Profit CAGR
10 Years9.31%
5 Years2.12%
3 Years-5.36%
TTM-7.82%
EPS CAGR
10 Years3.25%
5 Years1.08%
3 Years-7.22%
TTM-14.04%
Return on Capital
10 Years6.27%
5 Years8.37%
3 Years9.85%
Last Year7.17%
BHB Recent Earnings
Bar Harbor Bankshares (BHB) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 9/12 qtrs (90%)●Beat Revenue 7/12 qtrs (70%)
Q2 2026Latest
Apr 21, 2026Metric
Actual
Est
EPS
$0.88+1.1%
$0.87
Rev
$47M+0.0%
$47M
Q2 2026
Mar 12, 2026Metric
Actual
Est
EPS
$0.70
—
Rev
$68M
—
Q1 2026
Jan 23, 2026Metric
Actual
Est
EPS
$0.93+3.3%
$0.90
Rev
$49M+0.7%
$49M
Q1 2026
Jan 22, 2026Metric
Actual
Est
EPS
$0.93+4.5%
$0.89
Rev
$49M+0.7%
$49M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 21, 2026 | $0.88vs $0.87+1.1% | $47Mvs $47M+0.0% |
| Q2 2026 | Mar 12, 2026 | $0.70 | $68M |
| Q1 2026 | Jan 23, 2026 | $0.93vs $0.90+3.3% | $49Mvs $49M+0.7% |
| Q1 2026 | Jan 22, 2026 | $0.93vs $0.89+4.5% | $49Mvs $49M+0.7% |
Based on last 12 quarters of dataView full earnings history →
Latest BHB News
Recent stock market news and headlines for Bar Harbor Bankshares (BHB)
Peers Comparison
Key metrics vs top competitors for Bar Harbor Bankshares (BHB)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $39.07 | $654.11M | 16.99 | 8.42% | 15.17% | 7.45% | 3.12% | |
| $49.59 | $2.58B | 14.89 | 10.36% | 19.66% | 9.83% | — | |
| $33.23 | $1.67B | 22.45 | 13.44% | 13.35% | 6.32% | — | |
| $45.40 | $292.68M | 12.04 | 6.6% | 20.89% | 12.7% | — | |
| $27.78 | $384.31M | 8.55 | -1.55% | 28.51% | 12.62% | — | |
| $86.18 | $280.46M | 10.40 | 11.78% | 14.94% | 11.03% | — |
Compare BHB vs Peers
Bar Harbor Bankshares (BHB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
BHB SEC Filings & Documents
Bar Harbor Bankshares (BHB) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
May 7, 2026·SEC
Material company update
May 6, 2026·SEC
Material company update
Apr 21, 2026·SEC
10-K Annual Reports
310-Q Quarterly Reports
6Get notified when BHB posts new earnings or crosses analyst targets
Free. No account needed. Unsubscribe any time.
BHB Frequently Asked Questions
Bar Harbor Bankshares (BHB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Bar Harbor Bankshares growing?
Bar Harbor Bankshares (BHB) grew revenue by 8.4% over the past year. This is steady growth.
Is BHB profitable?
Yes, Bar Harbor Bankshares (BHB) is profitable, generating $40.2M in net income for fiscal year 2025 (15.2% net margin).
Dividend & Returns
Does BHB pay dividends?
Yes, Bar Harbor Bankshares (BHB) pays a dividend with a yield of 3.12%. This makes it attractive for income-focused investors.
What is BHB's return on equity?
Bar Harbor Bankshares (BHB) has a return on equity (ROE) of 7.5%. This is below average, suggesting room for improvement.
Industry Metrics
What is Bar Harbor Bankshares's net interest margin?
Bar Harbor Bankshares (BHB) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.
What is Bar Harbor Bankshares's efficiency ratio?
Bar Harbor Bankshares (BHB) has an efficiency ratio of 48.4%. This is excellent, indicating strong cost control.