BHB
NEUTRAL
$34.53
Live
Bar Harbor Bankshares · AMEX
Target $37.0
(+7.2%)
$28.06
52W Range
$36.05
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 25, 2026
Market cap
$578.1M
P/E
14.04
ROE
8.0%
Profit margin
23.3%
Debt/Equity
N/A
Dividend yield
3.76%
AI Analysis
AI-powered fundamental assessment
Confidence
80%
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.
Key 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)
Attractive Price-to-Book ratio of 1.07
Sustainable dividend payout ratio of 52.03%
Key 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
Lack of recent insider buying activity to support the valuation gap
High sensitivity to regional economic shifts and interest rate volatility
AI Fair Value Estimate
Based on comprehensive analysis
$44.5
+28.9% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
67
Strong
90
85
80
20
60
AI Verdict
Value Trap Risk
Key drivers: Deep valuation discount, Strong growth metrics, Severe fundamental health deterioration
Confidence
85%
Value
90/100
Ref P/E, PEG, Graham Number
Positives
- Price $34.53 is well below Graham Number $42.17
- Forward P/E of 9.04 is highly attractive
Watchpoints
- Market is pricing in health risks
Future
85/100
Ref Growth rates
Positives
- Q/Q Revenue growth of 31.25%
- Q/Q Earnings growth of 32.60%
Watchpoints
- Recent Q/Q EPS growth dip of -5.4%
Past
80/100
Ref Historical trends
Positives
- Long-term earnings beat consistency
- Positive 5Y price change of 41%
Watchpoints
- Recent technical breakdown
Health
20/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Positive profit margins
Watchpoints
- Piotroski F-Score of 2/9 indicates weak financial health
Dividend
60/100
Ref Yield, Payout
Positives
- 3.76% yield is respectable
- Payout ratio is sustainable
Watchpoints
- Dividend strength score is only 50/100
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$34.53
Analyst Target
$37.0
Upside/Downside
+7.2%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for BHB and closest competitors.
Updated 2026-04-24
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
BHB
Bar Harbor Bankshares
Primary
|
+41.0% | +58.9% | +21.1% | +13.8% | +7.7% | -0.9% |
|
BIT
BlackRock Multi-Sector Income Trust
Peer
|
+22.9% | +18.3% | -0.7% | -4.7% | +1.2% | +0.1% |
|
GAIN
Gladstone Investment Corporation
Peer
|
+89.5% | +63.5% | +23.5% | +11.8% | +7.5% | +1.0% |
|
GEMI
Gemini Space Station, Inc.
Peer
|
-84.8% | -84.8% | -84.8% | -80.8% | -47.5% | +13.5% |
|
NFBK
Northfield Bancorp, Inc.
Peer
|
+6.1% | +42.5% | +49.0% | +27.1% | +1.0% | -1.7% |
BHB
Bar Harbor Bankshares
Primary
5Y
+41.0%
3Y
+58.9%
1Y
+21.1%
6M
+13.8%
1M
+7.7%
1W
-0.9%
BIT
BlackRock Multi-Sector Income Trust
Peer
5Y
+22.9%
3Y
+18.3%
1Y
-0.7%
6M
-4.7%
1M
+1.2%
1W
+0.1%
GAI
Gladstone Investment Corporation
Peer
5Y
+89.5%
3Y
+63.5%
1Y
+23.5%
6M
+11.8%
1M
+7.5%
1W
+1.0%
GEM
Gemini Space Station, Inc.
Peer
5Y
-84.8%
3Y
-84.8%
1Y
-84.8%
6M
-80.8%
1M
-47.5%
1W
+13.5%
NFB
Northfield Bancorp, Inc.
Peer
5Y
+6.1%
3Y
+42.5%
1Y
+49.0%
6M
+27.1%
1M
+1.0%
1W
-1.7%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
14.04
Forward P/E
9.04
PEG Ratio
N/A
P/B Ratio
1.07
P/S Ratio
3.34
EV/Revenue
4.11
EV/EBITDA
N/A
Market Cap
$578.1M
Profitability
Profit margins and return metrics
Profit Margin
23.26%
Operating Margin
42.2%
Gross Margin
N/A
ROE
8.01%
ROA
0.92%
Growth
Revenue and earnings growth rates
Revenue Growth
+25.7%
Earnings Growth
+22.6%
Q/Q Revenue Growth
+31.25%
Q/Q Earnings Growth
+32.6%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$4.91
Quarterly Earnings History
EPS performance vs analyst estimates
2026-07-21
$N/A
2026-04-21
$0.88
+2.3% surprise
2026-01-22
$0.93
+5.7% surprise
2025-10-21
$0.95
+14.5% surprise
Financial Services Sector Comparison
Comparing BHB against 631 companies in the Financial Services sector
(114 bullish, 260 neutral, 257 bearish)
P/E Ratio
14.04
This Stock
vs
39.66
Sector Avg
-64.6%
(Discount)
Return on Equity (ROE)
8.01%
This Stock
vs
-1.38%
Sector Avg
-679.5%
(Below Avg)
Profit Margin
23.26%
This Stock
vs
52.4%
Sector Avg
-55.6%
(Weaker)
Revenue Growth
25.7%
This Stock
vs
40.42%
Sector Avg
-36.4%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
BHB
Bar Harbor Bankshares
|
NEUTRAL | $578.1M | 14.04 | 8.0% | 23.3% | $34.53 | |
|
BIT
BlackRock Multi-Sector Income Trust
|
BEARISH | $578.22M | 9.34 | -% | -% | $13.17 | Compare |
|
GAIN
Gladstone Investment Corporation
|
NEUTRAL | $578.61M | 4.6 | 22.2% | 118.6% | $14.53 | Compare |
|
GEMI
Gemini Space Station, Inc.
|
BEARISH | $584.33M | - | -416.5% | -% | $4.87 | Compare |
|
NFBK
Northfield Bancorp, Inc.
|
NEUTRAL | $568.83M | 681.0 | 0.1% | 0.5% | $13.62 | Compare |
BHB
Bar Harbor Bankshares
NEUTRAL
Mkt Cap
$578M
P/E
14.0
ROE
8.0%
Price
$34.53
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-20 | SIMARD CURTIS C | Chief Executive Officer | Stock Award | 746 | $23,394 |
| 2026-03-20 | CARAS MATTHEW L | Director | Stock Award | 135 | $4,237 |
| 2026-03-20 | COLTER DAVID M | Director | Stock Award | 16 | $520 |
| 2026-03-20 | BRIAN SHAW D | Director | Stock Award | 42 | $1,326 |
| 2026-03-20 | JONES HEATHER D | Director | Stock Award | 25 | $806 |
| 2026-03-20 | WILLIAMS JOHN MOGAN II | Officer | Stock Award | 63 | $1,998 |
| 2026-03-20 | SCULLY JOSEPH PATRICK | Officer | Stock Award | 88 | $2,784 |
| 2026-03-20 | SMITH KENNETH EUGENE | Director | Stock Award | 296 | $9,267 |
| 2026-03-02 | COLTER DAVID M | Director | Purchase | 500 | $16,270 |
| 2026-02-10 | SIMARD CURTIS C | Chief Executive Officer | Stock Award | 7,600 | - |
| 2026-02-10 | IANNELLI JOSEPHINE | Chief Financial Officer | Stock Award | 4,697 | - |
| 2026-02-10 | MERCIER JOHN M | Officer | Stock Award | 2,598 | - |
| 2026-02-10 | COLOMBO MARION | Officer | Stock Award | 3,174 | - |
| 2026-02-10 | EDGAR JASON PAUL | Officer | Stock Award | 2,150 | - |
| 2026-02-10 | WILLIAMS JOHN MOGAN II | Officer | Stock Award | 2,962 | - |
SIMARD CURTIS C
Chief Executive Officer
2026-03-20
746 shares
·
$23,394
CARAS MATTHEW L
Director
2026-03-20
135 shares
·
$4,237
COLTER DAVID M
Director
2026-03-20
16 shares
·
$520
BRIAN SHAW D
Director
2026-03-20
42 shares
·
$1,326
JONES HEATHER D
Director
2026-03-20
25 shares
·
$806
WILLIAMS JOHN MOGAN II
Officer
2026-03-20
63 shares
·
$1,998
SCULLY JOSEPH PATRICK
Officer
2026-03-20
88 shares
·
$2,784
SMITH KENNETH EUGENE
Director
2026-03-20
296 shares
·
$9,267
COLTER DAVID M
Director
2026-03-02
500 shares
·
$16,270
SIMARD CURTIS C
Chief Executive Officer
2026-02-10
7,600 shares
IANNELLI JOSEPHINE
Chief Financial Officer
2026-02-10
4,697 shares
MERCIER JOHN M
Officer
2026-02-10
2,598 shares
COLOMBO MARION
Officer
2026-02-10
3,174 shares
EDGAR JASON PAUL
Officer
2026-02-10
2,150 shares
WILLIAMS JOHN MOGAN II
Officer
2026-02-10
2,962 shares
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
8-K
DEF 14A
10-K
8-K
8-K
10-Q
8-K
10-Q
8-K
8-K
Data sourced from SEC EDGAR. AI summaries generated automatically.
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
2 analysts
Piper Sandler
2026-04-22
Overweight
Overweight
Piper Sandler
2026-01-23
Overweight
Overweight
Past News Coverage
Recent headlines mentioning BHB from our newsroom.
Newest → oldest
No matching news yet.