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BAR HARBOR BANKSHARES

BHBNYSE AMERICAN
πŸ† #2779 by market capEarnings Oct 21US Equity
$38.84β–Ό $0.31 (βˆ’0.79%)
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24hβ–Ό 0.8%
7dβ–Ό 1.4%
14dβ–Ό 3.9%
30dβ–Ό 0.8%
ytdβ–² 24.9%
1yβ–² 27.8%
🏦Market Cap
$651M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+44.9%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
22.3%
Strong
βš–οΈP/S Ratio
2.5x
Cheap
Otter Score
48
Weak

Trading Snapshot

Day Range
$38.23 – $39.43
52-Week Range
$28.11 – $41.12
Volume
$2.23B
Avg Volume
$2.21B
Shares Outstanding
16.8M
Next Earnings
Nov 24, 2026

Fundamentals Snapshot

Annual Revenue
$243M
Last Q Revenue
$39M
P/E Ratio
13.1
P/S Ratio
2.5x
EPS (TTM)
$2.96
Dividend Yield
3.39%
Dilution (1yr)
+9.2%

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.

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BAR HARBOR BANKSHARES

BHB
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$243Mβ–² +8.4% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
67.4%β–² +1.3% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$46Mβ–Ό βˆ’11.9% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$43Mβ–Ό βˆ’3.4% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
16.8Mβ–² +9.2% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$189Mβ–² +$30M YoY
StockOtter Β· stockotter.space

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

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Weak
48/100

Analyst Price Target

β“˜
Average Target
$49.69
β–² +27.9% Upside
High Target$55.04
Low Target$44.83
Based on 33 analysts

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