Bar Harbor Bankshares (BHB)
Valuation Overview•Is Bar Harbor Bankshares Overvalued or Undervalued?
Commands a premium valuation multiple over its peers, likely pricing in superior execution.
Fragile underlying quality score of 41/100; weak margins or elevated debt leverage warrant caution.
Wall Street forecasts a balanced outlook with consensus price targets near the current price.
Verdict: Average quality business weighed down by significant solvency concerns.
Wall Street sentiment is generally neutral alongside robust expected earnings growth. This is paired with healthy capital returns, anchored by a strong, well-covered dividend yield.
BHB demonstrates adequate business quality with stable profitability. However, this is severely offset by a highly leveraged balance sheet (Debt/EBITDA > 4.0x) and elevated financial risk.
The company maintains stable top-line performance however, earnings have severely contracted over the same period. The company maintains healthy operational efficiency with a 16.6% operating margin.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $55.3M | +8.4% | — | — | +14.3% | |
| EBITDA | $8.5M | — | -5.3% | — | — | |
| Net Income | $13.5M | -15.2% | -5.4% | — | +9.3% | |
| EPS (Diluted) | $0.81 | -19.0% | -7.2% | +1.1% | +3.3% | |
| Free Cash Flow | $3.0M | -3.4% | -6.6% | +6.7% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 67.3% | 78.0% | 82.8% | 80.3% |
| Operating Margin | 16.6% | 30.7% | 31.6% | 28.5% |
| Net Margin | 16.6% | 21.5% | 23.4% | 21.1% |
| FCF Margin | 13.9% | 21.7% | 27.1% | 23.2% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | $0.87 | $0.88 | +1.1% | ||
| Q1'26 | — | $0.70 | — | ||
| Q1'26 | $0.90 | $0.93 | +3.3% | ||
| Q1'26 | $0.89 | $0.93 | +4.5% | ||
| Q4'25 | $0.83 | $0.95 | +14.5% | ||
| Q3'25 | $0.70 | $0.70 | +0.0% | ||
| Q2'25 | $0.68 | $0.68 | +0.7% | ||
| Q1'25 | — | $0.72 | — |
Total return is +32.3% (1Y), outperforming the benchmark by +11.4%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +23.2% | +15.8% | — |
| 1Y | +32.3% | +11.4% | +4.4% |
| 3YCAGR | +19.0% | -2.2% | +14.9% |
| 5YCAGR | +9.9% | -1.4% | +21.1% |
| 10YCAGR | +7.1% | -6.6% | — |
The S&P 500 is at 30.6x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about Bar Harbor Bankshares (BHB) valuation, health, and returns.
Based on peer relative multiples, Bar Harbor Bankshares appears Expensive versus peers compared to industry peers.
Bar Harbor Bankshares has multiple valuation anchors: Peer Relative Fair Value: $30.54 | Wall Street Analyst Target: $41.00 (implying +4.9% upside). A convergence of these signals offers higher conviction.
Bar Harbor Bankshares displays fair financial health with a composite quality score of 41/100, supported by a Piotroski F-Score of 6/9, Return on Invested Capital (ROIC) of 4.5%.
Bar Harbor Bankshares pays a 3.1% dividend yield, covered by a 55% payout ratio with 22 years of growth, supplemented by a 0.0% buyback yield.
Bar Harbor Bankshares's current growth trajectory is Accelerating. The company achieved +8.4% 1Y revenue growth and -19.0% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Buy based on 2 analysts, beating EPS expectations in 92% of recent quarters with a 4-quarter streak. The consensus price target represents a +4.9% change from current levels.
Investment risks for Bar Harbor Bankshares include: -13.9% 1-year max drawdown. Volatility risk is characterized by a beta of 0.58x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.