Bar Harbor Bankshares (BHB) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Bar Harbor Bankshares

NYSE American•Financial Services•Banks - Regional

$40.39+0.20(<0.01%)Market closed

Market Cap

$675.74M

P/E

13.7x

P/S

2.5x

P/B

1.2x

Bar Harbor Bankshares operates as the holding company for Bar Harbor Bank & Trust that provides banking and nonbanking products and services primarily to consumers and businesses. The company offers deposit products, including interest-bearing and non-interest-bearing demand accounts, savings accounts, time deposits, and money market deposit accounts, as well as certificates of deposit. It also provides commercial construction loans, such as raw land, land development, and construction of commercial and multifamily residential properties; commercial real estate owner occupied and non-owner occupied loans; tax exempt loans to various state and municipal government entities; commercial and industrial loans, including loans for the purpose of financing working capital and capital investment; residential real estate loans consists of one-to-four family homes; home equity loans; and consumer loans, including personal lines of credit and amortizing loans to qualified individuals for various purposes, such as auto loans, recreational equipment, overdraft protection, and other consumer loans, as well as allowance for credit losses. In addition, the company provides life insurance, annuity, and retirement products; financial planning services; and third-party investment and insurance services. Further, it offers trust and estate administration, wealth advisory, and investment management services to individuals, businesses, not-for-profit organizations, and municipalities; and 401(K) plan, financial, estate and charitable planning, investment management, family office, municipal, and tax services. Bar Harbor Bankshares was founded in 1887 and is headquartered in Bar Harbor, Maine.

How this company scores

ExcellentMetricSide Score: 80/100

Strongest: Cash & Earnings Quality (25/25); weakest: Balance Sheet & Red Flags (12/25).

Profitability21/25

Growth22/25

Balance Sheet & Red Flags12/25

Cash & Earnings Quality25/25

Strengths

Growing revenueRising free cash flowStrong marginsRising earnings

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 13.7x5y range 10.3x – 14.4x

Currently near its 20-quarter median.

P/S · 2.5x5y range 2.0x – 3.2x

Currently near its 20-quarter median.

P/B · 1.2x5y range 1.0x – 1.3x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Leverage Risk

Watch

Debt-to-equity has risen 183.1% recently — increasing financial risk even if the current ratio is manageable.

Share Dilution

Red Flag

Shares outstanding increased 9.8% — significant dilution, likely from stock compensation or capital raises.

Price & Volume

Market Cap $675.74M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $267.49M
Q. Revenue: $67.64M
TTM EBITDA: $68.80M
TTM Op. Income: $62.14M
Q. Op. Income: $19.22M
TTM Net Income: $49.37M
Q. Net Income: $15.22M
EPS: $0.91
Shares Out.: $16.75M

$267.49M in TTM revenue grew 19.1% YoY, reaching $67.64M last quarter. TTM EBITDA of $68.80M and TTM operating income of $62.14M show growth is flowing through to the bottom line. TTM net income of $49.37M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 4 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 73.4%
EBITDA Margin: 30.9%
Op. Margin: 28.4%
Net Margin: 22.5%

Op. margin of 28.4% is up 14.4% YoY — cost efficiency is improving. Net margin at 22.5% and gross margin of 73.4% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 4 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 13.7x
P/S Ratio: 2.5x
P/B Ratio: 1.2x

At 13.7x P/E, the stock trades below typical market levels. P/S of 2.5x and P/B of 1.2x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is up 18% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $4.74B
Cash: $104.39M
Long-Term Debt: $135.64M
Book Value: $549.55M
D/E Ratio: 0.2
Debt/EBITDA: 6.5

With $4.74B in assets and $135.64M in long-term debt, D/E is 0.2and book value is $549.55M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 3 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $25.38M
TTM Free Cash Flow: $57.18M
FCF Margin: 21.4%
FCF / Net Income: 1.2

TTM FCF of $57.18M on $25.38M in operating cash flow. The FCF / Net Income ratio of 1.2x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 25% — an improving trend.