Bar Harbor Bankshares (BHB)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 142 | 138 | 148 | 94 | 150 | 168 | 154 | - |
| Operating profit | $m | 46 | 52 | ||||||
| Net profit | $m | 33 | 39 | 44 | 45 | 44 | 37 | 49 | 61 |
| EPS reported | $ | 2.30 | 2.96 | ||||||
| Operating cashflow per share | $ | 2.89 | 3.83 | ||||||
| Capex per share | $ | 0.29 | 0.37 | ||||||
| FCF per share | $ | 2.60 | 3.46 | ||||||
| Free cash flow | $m | 43 | 58 | ||||||
| Net debt | $m | -409 | -367 | ||||||
| Book value equity | $m | 533 | 550 | ||||||
| Book value per share | $ | 31.78 | 32.70 | ||||||
| Number of shares | m | 16.76 | 16.81 | ||||||
| DPS (TTM paid) | $ | 1.26 | 1.32 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 13.50 | 13.25 | ||||||
| P/B LTM | x | 0.97 | 0.94 | ||||||
| P/S LTM | x | 3.08 | 3.36 | ||||||
| P/FCF LTM | x | 11.93 | 8.95 | ||||||
| EV/EBITDA LTM | x | 13.59 | 12.23 | ||||||
| EV/Sales LTM | x | 2.91 | 3.99 | ||||||
| Earnings Yield LTM | % | +7.41% | +7.55% | ||||||
| FCF Yield | % | +8.38% | +11.17% | ||||||
| Quality | |||||||||
| ROE | % | +6.93% | +9.22% | ||||||
| ROIC | % | +4.32% | -1.40% | ||||||
| Operating margin | % | +19.05% | +22.82% | ||||||
| Gross margin | % | +67.40% | +65.32% | ||||||
| FCF/Sales | % | +17.86% | +25.35% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -19.01% | +4.23% | ||||||
| Sales Growth YoY | % | +12.53% | +3.22% | ||||||
| Net Income Growth YoY | % | -15.21% | +13.39% | ||||||
| FCF Growth | % | -3.36% | +28.77% | ||||||
| Operating Profit Growth | % | -11.90% | -0.90% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.94% | +3.27% | ||||||
| Dividend Growth | % | +6.78% | +11.86% | ||||||
| Payout Ratio | % | +52.94% | +44.35% | ||||||
| FCF/Debt | x | 0.16 | 0.21 | ||||||
| Net Debt/EBITDA | x | 3.63 | 4.06 | ||||||
| EBIT/Net interest | x | 0.62 | 0.70 | ||||||
| Net debt/market cap | % | +52.01% | +41.58% | ||||||
| Net debt/Equity | x | -0.77 | -0.67 | ||||||
| Gross debt/equity | x | 0.51 | 0.51 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Bar Harbor Bankshares (BHB)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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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