BHB Financial Services

Bar Harbor Bankshares

$41.16-0.65%

Price as of close on Nov 3, 2026 · Financials updated Nov 1, 2026

Basics

Sector: Financial Services
Industry: Banks - Regional
Country: United States
Market cap: 690.1M USD
Full-time employees: 530

Overall health

Strength: growing faster than most peersgrowing faster than peers
Drawback: less profitable than most peersless profitable than peers
About average: valuation

Ranks #482 of 791 banks & insurance companies (bottom 40%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Shareholders being diluted. Shares outstanding up 11% from December 2022 to August 2026.
Bar Harbor Bankshares had 11% more shares at August 2026 than at December 2022, mostly from issuing stock (for pay, acquisitions or fundraising). Each existing share now owns a smaller slice of the business.Bar Harbor Bankshares had 11% more shares at August 2026 than at December 2022, mostly from issuing stock. Each existing share now owns a smaller slice of the business.

StockQuotient Score

47/ 100▼ 1 since Oct 27 close

Oct 5 51 → Nov 4 47 (-4)

Valuation

Is the price right?

41/100

Moderate▼ 3 since Oct 27 close

2/2 inputs reported · High confidence

Since last quarter: ▼ Weaker

Share count up 11.3% (existing holders diluted)

Valuation also moves with the share price every day.

Why it changed since the Oct 27, 2026 close: Score 44 → 41

Share price +1.2%-1
Peer companies moved-2

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Close to the peer norm on every measure.

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield79.6%

SEC filings · latest balance sheetReported value40% base weight · Z-score 0.00Sector median: 0.7950 · MAD: 0.2843

Earnings yield7.2%

SEC filings · 12 months to Jun 2026Reported value60% base weight · Z-score -0.29Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield8.3%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

63/100

Moderate

1/1 inputs reported · High confidence

Since last quarter: No major change

Why

Stronger than most peers on:

▲ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth24.4%

SEC filings · 12 months to Jun 2026Reported value100% base weight · Z-score 0.47Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth4.3%

Yahoo Finance fallback · SEC figure unavailable or out of date · 3 fiscal years to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth12.5%

Yahoo Finance fallback · SEC figure unavailable or out of date · fiscal year to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

37/100

Weak▼ 1 since Oct 27 close

2/2 inputs reported · High confidence

Since last quarter: No major change

Why it changed since the Oct 27, 2026 close: Score 38 → 37

Peer companies moved-1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Weaker than most peers on:

▼ ROE

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets1.0%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -0.21Sector median: 0.0117 · MAD: 0.0062

Return on equity9.0%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -0.45Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Bar Harbor Bankshares

Is Bar Harbor Bankshares getting weaker?: Its latest SEC filing (Aug 5, 2026) got weaker in some ways: share count up 11.3%. Its overall score is 47/100, down 1 since Oct 28, 2026.
How is Bar Harbor Bankshares valued vs its peers?: Priced about in line with its peers. Valuation scores 41/100 against 950 banks & insurance peers.
Is Bar Harbor Bankshares growing?: Yes, faster than most of its peers. Growth scores 63/100 against 950 banks & insurance peers. Earnings per share growth 24.4% vs a peer median of 16.0% (stronger than 63% of peers).Earnings per share growth 24.4% vs peers 16.0% (stronger than 63% of peers).
How profitable is Bar Harbor Bankshares?: Less profitable than most of its peers. Profitability scores 37/100 against 950 banks & insurance peers. Return on equity 9.0% vs a peer median of 10.7% (weaker than 64% of peers).Return on equity 9.0% vs peers 10.7% (weaker than 64% of peers).
How risky is Bar Harbor Bankshares?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Quarter ended Dec 31, 2022 · filed Aug 5, 2026 · compared with the quarter ended Sep 30, 2022

Got weaker

Share count up 11.3% (existing holders diluted)

	Previous quarter	Latest quarter	Change
Revenue (12 months)	29.6M USD	29.4M USD	−0.6%
Net income (12 months)	40.8M USD	49.4M USD	+21.0%
Free cash flow (12 months)	67.9M USD	57.2M USD	−15.8%
Debt	249.0M USD	281.2M USD	+12.9%
Cash	82.1M USD	104.4M USD	+27.2%
Shares outstanding	15.1M	16.8M	+11.3%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Industry: Banks - Regional · 119 companies

Valuations in Banks - Regional are within their usual range since 2016.

45% of months since 2016 were valued lower than now.
14% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +29% and earnings +32% (medians): prices and earnings moved broadly together.
Median price-to-book is −61% vs the whole market, against a usual −59%.

2016Shaded: most expensive fifth of its range2026

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Net margin	138.4%	148.3%	—	—	—	—
Return on assets (ROA)	1.1%	1.1%	1.1%	1.1%	0.8%	▼ 0.3 pts
Return on equity (ROE)	9.3%	11.1%	10.4%	9.5%	6.9%	▼ 2.6 pts
Debt to equity	0.42×	1.00×	0.77×	0.63×	0.51×	▼ 20%

BHB price history

Price history is added with the daily price update and will appear after the next one.

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Sector leaderboards

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Bringing the fundamentals into focus…

Overall health

Strength: growing faster than most peersgrowing faster than peers

Drawback: less profitable than most peersless profitable than peers

About average: valuation

Ranks #482 of 791 banks & insurance companies (bottom 40%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Shareholders being diluted. Shares outstanding up 11% from December 2022 to August 2026.

Bar Harbor Bankshares had 11% more shares at August 2026 than at December 2022, mostly from issuing stock (for pay, acquisitions or fundraising). Each existing share now owns a smaller slice of the business.Bar Harbor Bankshares had 11% more shares at August 2026 than at December 2022, mostly from issuing stock. Each existing share now owns a smaller slice of the business.

Questions investors ask about Bar Harbor Bankshares

Is Bar Harbor Bankshares getting weaker?

Its latest SEC filing (Aug 5, 2026) got weaker in some ways: share count up 11.3%. Its overall score is 47/100, down 1 since Oct 28, 2026.

How is Bar Harbor Bankshares valued vs its peers?

Priced about in line with its peers. Valuation scores 41/100 against 950 banks & insurance peers.

Is Bar Harbor Bankshares growing?

Yes, faster than most of its peers. Growth scores 63/100 against 950 banks & insurance peers. Earnings per share growth 24.4% vs a peer median of 16.0% (stronger than 63% of peers).Earnings per share growth 24.4% vs peers 16.0% (stronger than 63% of peers).

How profitable is Bar Harbor Bankshares?

Less profitable than most of its peers. Profitability scores 37/100 against 950 banks & insurance peers. Return on equity 9.0% vs a peer median of 10.7% (weaker than 64% of peers).Return on equity 9.0% vs peers 10.7% (weaker than 64% of peers).

How risky is Bar Harbor Bankshares?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous quarter

Latest quarter

Change

Revenue (12 months)

29.6M USD

29.4M USD

−0.6%

Net income (12 months)

40.8M USD

49.4M USD

+21.0%

Free cash flow (12 months)

67.9M USD

57.2M USD

−15.8%

Debt

249.0M USD

281.2M USD

+12.9%

Cash

82.1M USD

104.4M USD

+27.2%

Shares outstanding

15.1M

16.8M

+11.3%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Net margin

138.4%

148.3%

—

Return on assets (ROA)

1.1%

0.8%

▼ 0.3 pts

Return on equity (ROE)

9.3%

11.1%

10.4%

9.5%

6.9%

▼ 2.6 pts

Debt to equity

0.42×

1.00×

0.77×

0.63×

0.51×

▼ 20%