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AMSF vs BHB

AMSF
AMERISAFE, Inc.
BEARISH
Price
$30.74
Market Cap
$575.0M
Sector
Financial Services
AI Confidence
85%
BHB
Bar Harbor Bankshares
NEUTRAL
Price
$34.53
Market Cap
$578.1M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
AMSF
12.65
BHB
14.04
Forward P/E
AMSF
14.76
BHB
9.04
P/B Ratio
AMSF
2.29
BHB
1.07
P/S Ratio
AMSF
1.77
BHB
3.34
EV/EBITDA
AMSF
8.75
BHB
--

Profitability

Gross Margin
AMSF
28.04%
BHB
0.0%
Operating Margin
AMSF
12.68%
BHB
42.2%
Profit Margin
AMSF
14.27%
BHB
23.26%
ROE
AMSF
18.27%
BHB
8.01%
ROA
AMSF
3.17%
BHB
0.92%

Growth

Revenue Growth
AMSF
10.3%
BHB
25.7%
Earnings Growth
AMSF
-8.5%
BHB
22.6%

Financial Health

Debt/Equity
AMSF
--
BHB
--
Current Ratio
AMSF
1.92
BHB
--
Quick Ratio
AMSF
1.31
BHB
--

Dividends

Dividend Yield
AMSF
5.34%
BHB
3.76%
Payout Ratio
AMSF
65.02%
BHB
52.03%

AI Verdict

AMSF BEARISH

AMSF exhibits significant fundamental weakness, highlighted by a Piotroski F-Score of 3/9, indicating poor financial health. The stock is currently trading at $30.74, which is a premium to both its Graham Number ($27.06) and its growth-based Intrinsic Value ($17.01). While revenue growth remains positive, earnings are declining (-8.50% YoY) and the company has failed to beat earnings estimates in the last four consecutive quarters. This fundamental deterioration is mirrored by a 0/100 technical trend and bearish insider activity from the CFO.

Strengths
Strong Return on Equity (ROE) of 18.27%
Positive top-line revenue growth of 10.30% YoY
Attractive dividend yield of 5.34%
Risks
Weak fundamental health as evidenced by a Piotroski F-Score of 3/9
Negative earnings growth (-8.50% YoY) and declining EPS
Poor earnings track record with 0 beats in the last 4 quarters
BHB NEUTRAL

BHB presents a stark contrast between strong growth and deteriorating fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the stock is significantly undervalued relative to its Graham Number ($42.17) and Intrinsic Value ($72.57), the bearish technical trend (10/100) and poor health score suggest underlying operational risks. Strong YoY revenue and earnings growth (>20%) provide a bullish catalyst, but the fundamental health decay necessitates a cautious approach.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Strong YoY Revenue Growth (25.70%) and Earnings Growth (22.60%)
Consistent earnings beat track record (3/4 most recent quarters)
Risks
Critical fundamental health weakness indicated by Piotroski F-Score (2/9)
Strongly bearish technical trend (10/100)
Low Return on Assets (0.92%) typical of struggling regional banks

Compare Another Pair

AMSF vs BHB: Head-to-Head Comparison

This page compares AMERISAFE, Inc. (AMSF) and Bar Harbor Bankshares (BHB) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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