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BHB vs GAIN

BHB
Bar Harbor Bankshares
NEUTRAL
Price
$34.53
Market Cap
$578.1M
Sector
Financial Services
AI Confidence
80%
GAIN
Gladstone Investment Corporation
NEUTRAL
Price
$14.53
Market Cap
$578.6M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
BHB
14.04
GAIN
4.6
Forward P/E
BHB
9.04
GAIN
16.51
P/B Ratio
BHB
1.07
GAIN
0.97
P/S Ratio
BHB
3.34
GAIN
5.7
EV/EBITDA
BHB
--
GAIN
--

Profitability

Gross Margin
BHB
0.0%
GAIN
100.0%
Operating Margin
BHB
42.2%
GAIN
15.79%
Profit Margin
BHB
23.26%
GAIN
118.55%
ROE
BHB
8.01%
GAIN
22.16%
ROA
BHB
0.92%
GAIN
2.93%

Growth

Revenue Growth
BHB
25.7%
GAIN
17.3%
Earnings Growth
BHB
22.6%
GAIN
58.5%

Financial Health

Debt/Equity
BHB
--
GAIN
0.96
Current Ratio
BHB
--
GAIN
0.18
Quick Ratio
BHB
--
GAIN
0.15

Dividends

Dividend Yield
BHB
3.76%
GAIN
6.61%
Payout Ratio
BHB
52.03%
GAIN
30.38%

AI Verdict

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
GAIN NEUTRAL

GAIN presents a stark contrast between deep value and deteriorating fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the stock trades at a significant discount to its Graham Number ($32.61) and Intrinsic Value ($93.22), this valuation is offset by a catastrophic recent earnings trend, including a -633.3% YoY EPS growth. The company maintains a strong dividend yield and ROE, but a critical liquidity risk is evident in the 0.18 current ratio. Overall, the asset is undervalued on a book basis but exhibits high operational risk.

Strengths
Deep value valuation with P/E of 4.60 and P/B of 0.97
Strong Return on Equity (ROE) of 22.16%
Attractive dividend yield of 6.61% with a sustainable payout ratio (30.38%)
Risks
Severe fundamental weakness indicated by Piotroski F-Score of 2/9
Extreme earnings volatility with a -633.3% YoY EPS growth
Critical liquidity concerns evidenced by a Current Ratio of 0.18

Compare Another Pair

BHB vs GAIN: Head-to-Head Comparison

This page compares Bar Harbor Bankshares (BHB) and Gladstone Investment Corporation (GAIN) 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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