BHB

Bar Harbor Bankshares

Financial Services · USD

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Price alert · BHB

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40.44 USD -0.48 -1.17%
As of Oct 30, 2026 Extended hours 40.44 0.00%
Bid
40.27 × 200
Ask
40.45 × 100
40.24 Day range 40.93
28.82 52-week range 40.92
YTD
+30.24%
1 year
+35.57%
Open
41.05
Prev close
40.92
Mkt cap
678.02M
Vol
61.35K
Avg vol
90.53K
EPS
3.38
P/E
11.96
Div yield
3.72%
More statistics
Low
40.24
High
40.93
Forward P/E
11.32
Beta
0.66
Short ratio
2.61
Inst. own
57.21%
Dividend
1.18
Ex-div date
Nov 13, 2024
Earnings
Jan 28, 2025
50-d avg
33.99
200-d avg
29.25
1y target
35.00

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Financial health

Altman Z-Score

-0.66 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 4
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 3
  • P/E 3
  • P/B 3

Valuation

P/E 13.4×
FY 2016: 19.1×FY 2017: 15.8×FY 2018: 10.5×FY 2019: 17.4×FY 2020: 10.4×FY 2021: 11.0×FY 2022: 11.0×FY 2023: 9.9×FY 2024: 10.7×FY 2025: 13.4×
FY 2016 5y median 11.0× FY 2025
P/S 2.1×
FY 2016: 4.1×FY 2017: 2.9×FY 2018: 2.2×FY 2019: 2.4×FY 2020: 2.0×FY 2021: 2.8×FY 2022: 3.0×FY 2023: 3.0×FY 2024: 2.1×FY 2025: 2.1×
FY 2016 5y median 2.8× FY 2025
P/B 1.0×
FY 2016: 1.8×FY 2017: 1.2×FY 2018: 0.9×FY 2019: 1.0×FY 2020: 0.8×FY 2021: 1.0×FY 2022: 1.2×FY 2023: 1.0×FY 2024: 1.0×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025
P/FCF 11.9×
FY 2016: 22.9×FY 2017: 11.1×FY 2018: 10.5×FY 2019: 18.9×FY 2020: 11.0×FY 2021: 7.5×FY 2022: 9.0×FY 2023: 10.9×FY 2024: 10.4×FY 2025: 11.9×
FY 2016 5y median 10.4× FY 2025
EV/EBITDA 13.5×
FY 2016: 53.8×FY 2017: 24.5×FY 2018: 21.6×FY 2019: 27.3×FY 2020: 9.6×FY 2021: 6.5×FY 2022: 12.8×FY 2023: 31011×FY 2024: 12.2×FY 2025: 13.5×
FY 2016 5y median 12.8× FY 2025
EV/Sales 2.9×
FY 2016: 17.3×FY 2017: 8.1×FY 2018: 6.3×FY 2019: 5.3×FY 2020: 2.7×FY 2021: 2.4×FY 2022: 4.9×FY 2023: 4.3×FY 2024: 3.0×FY 2025: 2.9×
FY 2016 5y median 3.0× FY 2025
FCF Yield 8.4%
FY 2016: 4.4%FY 2017: 9.0%FY 2018: 9.5%FY 2019: 5.3%FY 2020: 9.1%FY 2021: 13.3%FY 2022: 11.1%FY 2023: 9.2%FY 2024: 9.7%FY 2025: 8.4%
FY 2016 5y median 9.7% FY 2025

Profitability

Gross Margin 67.4%
FY 2016: 81.3%FY 2017: 81.2%FY 2018: 74.7%FY 2019: 70.9%FY 2020: 80.7%FY 2021: 90.8%FY 2022: 89.1%FY 2023: 100.0%FY 2024: 66.6%FY 2025: 67.4%
FY 2016 5y median 89.1% FY 2025
Operating Margin 19.0%
FY 2016: 29.8%FY 2017: 30.0%FY 2018: 26.1%FY 2019: 16.3%FY 2020: 24.6%FY 2021: 31.8%FY 2022: 34.0%FY 2023: 49.6%FY 2024: 23.4%FY 2025: 19.0%
FY 2016 5y median 31.8% FY 2025
Net Margin 15.2%
FY 2016: 21.4%FY 2017: 18.3%FY 2018: 21.2%FY 2019: 13.8%FY 2020: 19.7%FY 2021: 25.7%FY 2022: 27.0%FY 2023: 29.8%FY 2024: 19.4%FY 2025: 15.2%
FY 2016 5y median 25.7% FY 2025
ROE 6.9%
FY 2016: 9.5%FY 2017: 7.3%FY 2018: 8.9%FY 2019: 5.7%FY 2020: 8.1%FY 2021: 9.3%FY 2022: 11.1%FY 2023: 10.4%FY 2024: 9.5%FY 2025: 6.9%
FY 2016 5y median 9.5% FY 2025
ROIC 4.3%
FY 2016: 2.1%FY 2017: 2.1%FY 2018: 2.9%FY 2019: 2.3%FY 2020: 2.1%FY 2021: 5.9%FY 2022: 5.0%FY 2023: 7.1%FY 2024: 5.3%FY 2025: 4.3%
FY 2016 5y median 5.3% FY 2025
ROA 0.8%
FY 2016: 0.9%FY 2017: 0.7%FY 2018: 0.9%FY 2019: 0.6%FY 2020: 0.9%FY 2021: 1.1%FY 2022: 1.1%FY 2023: 1.1%FY 2024: 1.1%FY 2025: 0.8%
FY 2016 5y median 1.1% FY 2025

Growth (YoY)

Revenue 8.4%
FY 2016: 8.8%FY 2017: 103.4%FY 2018: 9.4%FY 2019: 5.8%FY 2020: 2.8%FY 2021: -9.5%FY 2022: 5.3%FY 2023: -6.7%FY 2024: 49.2%FY 2025: 8.4%
FY 2016 FY 2025
Operating Income -11.9%
FY 2016: -1.5%FY 2017: 104.8%FY 2018: -5.0%FY 2019: -33.8%FY 2020: 55.2%FY 2021: 16.8%FY 2022: 12.8%FY 2023: 36.1%FY 2024: -29.5%FY 2025: -11.9%
FY 2016 FY 2025
EPS (diluted) -19.0%
FY 2016: -2.4%FY 2017: 4.3%FY 2018: 24.7%FY 2019: -31.6%FY 2020: 50.3%FY 2021: 19.7%FY 2022: 10.3%FY 2023: 2.4%FY 2024: -3.7%FY 2025: -19.0%
FY 2016 FY 2025
Free Cash Flow -3.4%
FY 2016: -32.3%FY 2017: 195.9%FY 2018: -10.9%FY 2019: -36.6%FY 2020: 50.3%FY 2021: 83.0%FY 2022: -7.1%FY 2023: -23.5%FY 2024: 10.0%FY 2025: -3.4%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.4×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.2×FY 2020: 8.7×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.2×
FY 2016: 0.4×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.2×FY 2020: 8.7×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.5×
FY 2016: 5.9×FY 2017: 2.3×FY 2018: 2.0×FY 2019: 1.3×FY 2020: 0.8×FY 2021: 0.4×FY 2022: 1.0×FY 2023: 0.7×FY 2024: 0.6×FY 2025: 0.5×
FY 2016 5y median 0.6× FY 2025
Net Debt / EBITDA 3.6×
FY 2016: 41.1×FY 2017: 15.7×FY 2018: 13.9×FY 2019: 14.9×FY 2020: 2.3×FY 2021: -1.3×FY 2022: 4.9×FY 2023: 9841×FY 2024: 3.9×FY 2025: 3.6×
FY 2016 5y median 3.9× FY 2025
Interest Coverage 0.6×
FY 2016: 1.7×FY 2017: 1.8×FY 2018: 1.1×FY 2019: 0.6×FY 2020: 1.5×FY 2021: 3.2×FY 2022: 4.3×FY 2023: 1.3×FY 2024: 0.7×FY 2025: 0.6×
FY 2016 5y median 1.3× FY 2025

Dividends

Dividend Yield 3.9%
FY 2016: 2.3%FY 2017: 2.8%FY 2018: 3.5%FY 2019: 3.4%FY 2020: 3.9%FY 2021: 3.2%FY 2022: 3.2%FY 2023: 3.7%FY 2024: 3.8%FY 2025: 3.9%
FY 2016 5y median 3.7% FY 2025
Payout Ratio 55.3%
FY 2016: 44.0%FY 2017: 44.3%FY 2018: 37.0%FY 2019: 59.1%FY 2020: 40.4%FY 2021: 35.8%FY 2022: 35.2%FY 2023: 36.9%FY 2024: 40.9%FY 2025: 55.3%
FY 2016 5y median 36.9% FY 2025

Annual · latest fiscal year ends 2025-12-31