📊 BHB Key Takeaways
Is Bar Harbor Bankshares (BHB) a Good Investment?
Bar Harbor Bankshares demonstrates solid fundamental health with strong revenue growth of 55.8% YoY, healthy profitability margins (17.6% net margin), and robust free cash flow generation of $43.5M. The company maintains conservative leverage (0.25x debt/equity) and generates positive operating cash flow, though ROA/ROE metrics indicate modest asset utilization efficiency typical of regional banking.
BAR HARBOR BANKSHARES shows solid core financial stability, with positive free cash flow, modest leverage, and a sound equity base supporting its balance sheet. However, the quality of recent growth looks mixed: revenue surged, but net income was flat and diluted EPS declined sharply, pointing to margin pressure, dilution, or both. Fundamentals appear stable rather than accelerating, which supports a neutral stance until profitability and return metrics improve.
Why Buy Bar Harbor Bankshares Stock? BHB Key Strengths
- Strong topline revenue growth of 55.8% YoY indicating successful business expansion or acquisitions
- Healthy net profit margin of 17.6% with solid operating margin of 21.9%
- Robust free cash flow of $43.5M with 20.7% FCF margin demonstrates cash generation ability
- Conservative capital structure with 0.25x debt-to-equity ratio and manageable long-term debt of $134.8M
- Positive operating cash flow of $48.3M exceeds net income, indicating quality earnings
- Positive operating cash flow and free cash flow indicate good internal capital generation
- Balance sheet leverage appears manageable with relatively low long-term debt versus equity
- Operating and net margins remain healthy enough to support continued earnings resilience
BHB Stock Risks: Bar Harbor Bankshares Investment Risks
- EPS dilution of 18.7% YoY despite flat net income suggests share count growth outpacing earnings
- Low ROA of 0.8% and ROE of 6.9% indicate suboptimal asset utilization and shareholder returns relative to equity base
- Interest coverage ratio of 2.5x is modest and leaves limited cushion for economic deterioration or rising rates
- Significant insider activity (15 Form 4 filings in 90 days) may warrant monitoring for potential insider selling
- Regional banking sector exposure to potential economic slowdown and rising deposit competition
- Revenue growth did not translate into net income growth, raising concerns about earnings quality
- Diluted EPS fell materially year over year, suggesting shareholder dilution or weaker per-share profitability
- ROE of 6.9% and ROA of 0.8% are modest for a bank and imply only average capital efficiency
Key Metrics to Watch
- Net Interest Margin (NIM) trend - critical for banking profitability
- Loan loss provisions and non-performing asset ratios
- Deposit growth and funding stability
- Capital adequacy ratios and regulatory compliance
- ROA and ROE improvement trajectory
- Free cash flow sustainability and dividend coverage
- Net interest margin and provision expense trend
- ROE, ROA, and diluted EPS recovery
Bar Harbor Bankshares (BHB) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 20.7% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
BHB Profit Margin, ROE & Profitability Analysis
BHB vs Finance Sector: How Bar Harbor Bankshares Compares
How Bar Harbor Bankshares compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Bar Harbor Bankshares Stock Overvalued? BHB Valuation Analysis 2026
Based on fundamental analysis, Bar Harbor Bankshares has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Bar Harbor Bankshares Balance Sheet: BHB Debt, Cash & Liquidity
BHB Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Bar Harbor Bankshares's revenue has grown significantly by 36% over the 5-year period, indicating strong business expansion. The most recent EPS of $2.95 reflects profitable operations.
BHB Revenue Growth, EPS Growth & YoY Performance
BHB Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2022 | $7.4M | $8.0M | $0.73 |
| Q2 2022 | $7.1M | $9.0M | $0.60 |
| Q1 2022 | $6.6M | $5.8M | $0.60 |
| Q3 2021 | $6.4M | $8.0M | $0.56 |
| Q2 2021 | $5.6M | $7.7M | $0.55 |
| Q1 2021 | $6.5M | $1.9M | $0.50 |
| Q3 2020 | $5.6M | $5.0M | $0.32 |
| Q2 2020 | $5.6M | $6.1M | $0.39 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Bar Harbor Bankshares Dividends, Buybacks & Capital Allocation
BHB SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Bar Harbor Bankshares (CIK: 0000743367)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Mar 23, 2026 | 4 | xslF345X06/form4-03232026_060338.xml | View → |
| Mar 23, 2026 | 4 | xslF345X06/form4-03232026_060350.xml | View → |
| Mar 23, 2026 | 4 | xslF345X06/form4-03232026_060327.xml | View → |
| Mar 23, 2026 | 4 | xslF345X06/form4-03232026_060334.xml | View → |
| Mar 23, 2026 | 4 | xslF345X06/form4-03232026_060304.xml | View → |
❓ Frequently Asked Questions about BHB
What is the AI rating for BHB?
Bar Harbor Bankshares (BHB) has a Combined AI Rating of BUY from Claude (BUY) and ChatGPT (HOLD) with 73% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are BHB's key strengths?
Claude: Strong topline revenue growth of 55.8% YoY indicating successful business expansion or acquisitions. Healthy net profit margin of 17.6% with solid operating margin of 21.9%. ChatGPT: Positive operating cash flow and free cash flow indicate good internal capital generation. Balance sheet leverage appears manageable with relatively low long-term debt versus equity.
What are the risks of investing in BHB?
Claude: EPS dilution of 18.7% YoY despite flat net income suggests share count growth outpacing earnings. Low ROA of 0.8% and ROE of 6.9% indicate suboptimal asset utilization and shareholder returns relative to equity base. ChatGPT: Revenue growth did not translate into net income growth, raising concerns about earnings quality. Diluted EPS fell materially year over year, suggesting shareholder dilution or weaker per-share profitability.
What is BHB's revenue and growth?
Bar Harbor Bankshares reported revenue of $209.5M.
Does BHB pay dividends?
Bar Harbor Bankshares pays dividends, with $20.4M distributed to shareholders in the trailing twelve months.
Where can I find BHB SEC filings?
Official SEC filings for Bar Harbor Bankshares (CIK: 0000743367) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is BHB's EPS?
Bar Harbor Bankshares has a diluted EPS of $2.31.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is BHB a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Bar Harbor Bankshares has a BUY rating with 73% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is BHB stock overvalued or undervalued?
Valuation metrics for BHB: ROE of 6.9% (sector avg: 12%), net margin of 17.6% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy BHB stock in 2026?
Our dual AI analysis gives Bar Harbor Bankshares a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is BHB's free cash flow?
Bar Harbor Bankshares's operating cash flow is $48.3M, with capital expenditures of $4.8M. FCF margin is 20.7%.
How does BHB compare to other Finance stocks?
Vs Finance sector averages: Net margin 17.6% (avg: 25%), ROE 6.9% (avg: 12%), current ratio N/A (avg: 1.2).