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BHB stock logo

BHB

Bar Harbor Bankshares

$36.4
0.58
 (1.62%)
Exchange:  AMEX
Market Cap:  609.413M
Shares Outstanding:  7.711M
Delayed data
Calculate BHB Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Curtis C. Simard
Full Time Employees:  458
Address: 
82 Main Street
Bar Harbor
ME
04609-0400
US
Website:  https://www.barharbor.bank
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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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue150,414224,441243,339
Gross Profit150,414149,376164,007
EBITDA056,03052,023
Operating Income74,66452,61446,351
Net Income44,85243,54436,919

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets3,970,8854,083,3274,683,891
Total Liabilities3,538,8263,624,8994,151,350
Total Stockholders Equity432,059458,428532,541
Total Debt331,505290,601269,643
Cash and Cash Equivalents94,84272,16244,947

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Cash Flow Statement

Year202320242025
Operating Cash Flow47,40352,37148,276
Capital Expenditure-6,533-7,396-4,811
Free Cash Flow40,87044,97547,677
Net Income44,85243,54436,919
Net Change in Cash2,547-22,6808,675

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)205,774.197Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)207,451.802Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)206,613Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)49,565.413Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)49,969.502Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)49,767.457Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)63,673.922Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)64,349.564Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)64,174Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)64,807.342Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)65,335.694Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)65,071.518Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)3.820Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)3.840Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)3.800Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
225.612M  ?P/S
 (TTM)
: 
2.48
?Net Income
 (TTM)
: 
43.544M  ?P/E
 (TTM)
: 
14.94
?Enterprise Value
 (TTM)
: 
735.381M  ?EV/FCF
 (TTM)
: 
21.76
?Dividend Yield
 (TTM)
: 
0.04  ?Payout Ratio
 (TTM)
: 
0.53
?ROE
 (TTM)
: 
0.08  ?ROIC
 (TTM)
: 
0.04
?Net Debt
 (TTM)
: 
265.575M  ?Debt/Equity
 (TTM)
: 
0.4
?P/B
 (TTM)
: 
1.12  ?Current Ratio
 (TTM)
: 
0.06

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
10.40Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates BHB intrinsic value between $29.87 – $43.22 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

[intrinsic_calculator]

Common questions about BHB valuation

Is Bar Harbor Bankshares (BHB) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Bar Harbor Bankshares (BHB) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is BHB a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether BHB trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is BHB’s P/E ratio?

You can see BHB’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for BHB?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is BHB a good long-term investment?

Whether BHB fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

BHB

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

1.62
MARKETSnap

Trading Metrics:

Open: 36.06   Previous Close: 35.82
Day Low: 35.88   Day High: 37.2
Year Low: 28.06   Year High: 37.2
Price Avg 50: 34.4   Price Avg 200: 32.35
Volume: 56693   Average Volume: 135360

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See in Nexus

Relevant news

Bar Harbor Bankshares (BHB) Could Be a Great Choice
23-01-2026 12:45
Bar Harbor Bankshares (BHB) Could Be a Great Choice
Bar Harbor Bankshares Deserves To Keep Rising
15-05-2026 13:07
Bar Harbor Bankshares Deserves To Keep Rising
Implied Volatility Surging for Bar Harbor Bankshares Stock Options
15-05-2026 09:31
Implied Volatility Surging for Bar Harbor Bankshares Stock Options
Bar Harbor Bankshares Reports First Quarter 2026 Results; Declares Increased Dividend; Announces Share Repurchase Plan
21-04-2026 16:15
Bar Harbor Bankshares Reports First Quarter 2026 Results; Declares Increased Dividend; Announces Share Repurchase Plan
Why Bar Harbor Bankshares (BHB) is a Great Dividend Stock Right Now
15-04-2026 12:46
Why Bar Harbor Bankshares (BHB) is a Great Dividend Stock Right Now
Are You Looking for a High-Growth Dividend Stock?
09-02-2026 12:45
Are You Looking for a High-Growth Dividend Stock?

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