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BAR HARBOR BANKSHARES

BHBNYSE AMERICAN
πŸ† #2291 by market capEarnings Oct 19US Equity
$39.81β–² $0.45 (+1.14%)
Market closed Β· at close
1hβ€”
24hβ–² 1.1%
7dβ–Ό 1.7%
14dβ–² 0.2%
30dβ–² 6.0%
1yβ–² 24.1%
🏦Market Cap
$667M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+44.9%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
14.8%
Healthy
βš–οΈP/S Ratio
2.5x
Cheap
Otter Score
43
Weak

Trading Snapshot

Day Range
$39.19 – $40.42
52-Week Range
$28.11 – $41.08
Volume
$2.23B
Avg Volume
$2.21B
Shares Outstanding
16.8M
Next Earnings
Oct 6, 2026

Fundamentals Snapshot

Annual Revenue
$243M
Last Q Revenue
$39M
P/E Ratio
16.3
P/S Ratio
2.5x
EPS (TTM)
$2.45
Dividend Yield
3.22%

Why Investors Own BHB

  • βœ“High-growth profile β€” revenue up +16.6% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 32% gross margin and 22% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$243Mβ–² +20.0% YoY
Gross Margin (TTM)
31.6%β–² +2.4% YoY
Operating Income (TTM)
$67Mβ–² +20.0% YoY
Free Cash Flow (TTM)
$54Mβ–² +20.0% YoY

About BAR HARBOR BANKSHARES

Bar Harbor Bankshares acts as the parent organization for Bar Harbor Bank & Trust, which delivers a full spectrum of banking services covering commercial, retail, lending, and wealth management. The bank offers a variety of deposit products, including both interest-bearing and non-interest-bearing checking accounts, savings accounts, money market accounts, time deposits, and certificates of deposit (CDs). Its lending activities cover multiple areas: commercial real estate, providing financing for multi-family dwellings, construction projects, land development, and other business properties; commercial and industrial loans extended to agricultural and various commercial entities, including those with tax-exempt status; residential real estate loans, primarily in the form of mortgages for 1-4 unit homes; and consumer loans, which include home equity loans and lines of credit, auto loans, and other installment financing. Beyond core banking, Bar Harbor Bank & Trust supplies life insurance, annuity, and retirement planning products, alongside general financial planning advice. It also assists clients with third-party investment and insurance solutions. Furthermore, the institution's wealth management division offers trust and estate administration, extensive wealth advisory, and investment management services designed for individuals, businesses, non-profit organizations, and local municipalities. These specialized services encompass 401K plan administration, detailed financial, estate, and charitable planning, family office support, municipal advisory, and tax services. The bank operates through a network of 53 branches situated across Maine, New Hampshire, and Vermont. Founded in 1887, its main office is located in Bar Harbor, Maine.

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Otter Score Breakdown

β“˜
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
Overall Score
Weak
43/100

Analyst Price Target

β“˜
Average Target
$50.93
β–² +27.9% Upside
High Target$56.42
Low Target$45.95
Based on 33 analysts

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