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BHB vs V

BHB
Bar Harbor Bankshares
NEUTRAL
Price
$34.53
Market Cap
$578.1M
Sector
Financial Services
AI Confidence
80%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
BHB
14.04
V
28.35
Forward P/E
BHB
9.04
V
20.79
P/B Ratio
BHB
1.07
V
15.09
P/S Ratio
BHB
3.34
V
14.08
EV/EBITDA
BHB
--
V
20.06

Profitability

Gross Margin
BHB
0.0%
V
97.78%
Operating Margin
BHB
42.2%
V
68.3%
Profit Margin
BHB
23.26%
V
50.23%
ROE
BHB
8.01%
V
53.95%
ROA
BHB
0.92%
V
18.36%

Growth

Revenue Growth
BHB
25.7%
V
14.6%
Earnings Growth
BHB
22.6%
V
17.4%

Financial Health

Debt/Equity
BHB
--
V
0.55
Current Ratio
BHB
--
V
1.11
Quick Ratio
BHB
--
V
0.72

Dividends

Dividend Yield
BHB
3.76%
V
0.89%
Payout Ratio
BHB
52.03%
V
22.91%

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
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

BHB vs V: Head-to-Head Comparison

This page compares Bar Harbor Bankshares (BHB) and Visa Inc. (V) 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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