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Bar Harbor Bankshares

BHB

(3.8)
Stock Price

35,68 USD

1.06% ROA

9.68% ROE

10.72x PER

Market Cap.

444.883.294,00 USD

88.83% DER

3.98% Yield

20.33% NPM

Bar Harbor Bankshares Stock Analysis

Bar Harbor Bankshares Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Bar Harbor Bankshares Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.99x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Net Profit Growth

Throughout the past five years, this company has consistently experienced net profit growth, indicating a strong financial performance and making it an attractive investment prospect.

3 Dividend Growth

Investors can be encouraged by the company's strong dividend growth over the past five years, highlighting its ability to generate consistent returns and provide an attractive investment opportunity.

4 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

5 ROE

The stock's ROE falls within an average range (11.73%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

6 ROA

The stock's ROA (1.23%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

7 DER

The stock has a reasonable amount of debt compared to its ownership (91%), suggesting a balanced financial position and a moderate level of risk.

8 Revenue Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

9 Assets Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

10 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

11 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (105) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

Bar Harbor Bankshares Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Bar Harbor Bankshares Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Bar Harbor Bankshares Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Bar Harbor Bankshares Revenue
Year Revenue Growth
1995 1.009.301
1996 21.200.000 95.24%
1997 21.800.000 2.75%
1998 22.900.000 4.8%
1999 24.004.000 4.6%
2000 24.783.000 3.14%
2001 25.661.000 3.42%
2002 25.990.000 1.27%
2003 26.843.000 3.18%
2004 26.949.000 0.39%
2005 28.274.000 4.69%
2006 28.572.000 1.04%
2007 28.832.000 0.9%
2008 33.623.000 14.25%
2009 39.303.000 14.45%
2010 39.167.000 -0.35%
2011 41.181.000 4.89%
2012 44.680.000 7.83%
2013 46.652.000 4.23%
2014 51.571.000 9.54%
2015 53.813.000 4.17%
2016 57.228.000 5.97%
2017 118.137.000 51.56%
2018 118.818.000 0.57%
2019 118.879.000 0.05%
2020 142.136.000 16.36%
2021 137.834.000 -3.12%
2022 149.002.000 7.5%
2023 152.004.000 1.97%
2023 210.011.000 27.62%
2024 226.244.000 7.17%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Bar Harbor Bankshares Research and Development Expenses
Year Research and Development Expenses Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Bar Harbor Bankshares General and Administrative Expenses
Year General and Administrative Expenses Growth
1995 5.333.183
1996 5.700.000 6.44%
1997 6.000.000 5%
1998 6.000.000 0%
1999 6.834.000 12.2%
2000 7.937.000 13.9%
2001 8.534.000 7%
2002 9.235.000 7.59%
2003 9.834.000 6.09%
2004 9.335.000 -5.35%
2005 9.795.000 4.7%
2006 9.292.000 -5.41%
2007 9.368.000 0.81%
2008 10.827.000 13.48%
2009 11.926.000 9.22%
2010 13.554.000 12.01%
2011 14.223.000 4.7%
2012 14.880.000 4.42%
2013 15.923.000 6.55%
2014 17.535.000 9.19%
2015 18.717.000 6.32%
2016 20.580.000 9.05%
2017 43.878.000 53.1%
2018 44.176.000 0.67%
2019 47.639.000 7.27%
2020 51.797.000 8.03%
2021 49.972.000 -3.65%
2022 48.657.000 -2.7%
2023 52.044.000 6.51%
2023 52.516.000 0.9%
2024 55.440.000 5.27%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Bar Harbor Bankshares EBITDA
Year EBITDA Growth
1995 19.707.167
1996 20.900.000 5.71%
1997 22.100.000 5.43%
1998 22.900.000 3.49%
1999 24.014.000 4.64%
2000 26.123.000 8.07%
2001 22.308.000 -17.1%
2002 20.215.000 -10.35%
2003 19.577.000 -3.26%
2004 22.277.000 12.12%
2005 26.662.000 16.45%
2006 35.842.000 25.61%
2007 40.452.000 11.4%
2008 37.841.000 -6.9%
2009 36.409.000 -3.93%
2010 35.307.000 -3.12%
2011 34.839.000 -1.34%
2012 32.605.000 -6.85%
2013 31.633.000 -3.07%
2014 32.153.000 1.62%
2015 33.312.000 3.48%
2016 34.565.000 3.63%
2017 70.902.000 51.25%
2018 81.599.000 13.11%
2019 27.690.000 -194.69%
2020 42.675.000 35.11%
2021 49.568.000 13.91%
2022 72.865.000 31.97%
2023 58.180.000 -25.24%
2023 932.000 -6142.49%
2024 932.000 0%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Bar Harbor Bankshares Gross Profit
Year Gross Profit Growth
1995 1.009.301
1996 21.200.000 95.24%
1997 21.800.000 2.75%
1998 22.900.000 4.8%
1999 24.004.000 4.6%
2000 24.783.000 3.14%
2001 25.661.000 3.42%
2002 25.990.000 1.27%
2003 26.843.000 3.18%
2004 26.949.000 0.39%
2005 28.274.000 4.69%
2006 28.572.000 1.04%
2007 28.832.000 0.9%
2008 33.623.000 14.25%
2009 39.303.000 14.45%
2010 39.167.000 -0.35%
2011 43.977.000 10.94%
2012 44.313.000 0.76%
2013 46.268.000 4.23%
2014 51.142.000 9.53%
2015 53.361.000 4.16%
2016 57.228.000 6.76%
2017 118.137.000 51.56%
2018 118.818.000 0.57%
2019 118.879.000 0.05%
2020 142.136.000 16.36%
2021 137.834.000 -3.12%
2022 149.002.000 7.5%
2023 152.004.000 1.97%
2023 210.011.000 27.62%
2024 225.884.000 7.03%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Bar Harbor Bankshares Net Profit
Year Net Profit Growth
1995 5.878.647
1996 6.700.000 12.26%
1997 6.400.000 -4.69%
1998 6.600.000 3.03%
1999 6.225.000 -6.02%
2000 4.797.000 -29.77%
2001 3.511.000 -36.63%
2002 4.565.000 23.09%
2003 5.207.000 12.33%
2004 5.732.000 9.16%
2005 6.424.000 10.77%
2006 6.879.000 6.61%
2007 7.155.000 3.86%
2008 7.731.000 7.45%
2009 10.350.000 25.3%
2010 10.662.000 2.93%
2011 11.043.000 3.45%
2012 12.466.000 11.42%
2013 13.183.000 5.44%
2014 14.613.000 9.79%
2015 15.153.000 3.56%
2016 14.933.000 -1.47%
2017 25.993.000 42.55%
2018 32.937.000 21.08%
2019 22.620.000 -45.61%
2020 33.244.000 31.96%
2021 39.299.000 15.41%
2022 43.557.000 9.78%
2023 44.416.000 1.93%
2023 44.852.000 0.97%
2024 41.028.000 -9.32%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Bar Harbor Bankshares Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1995 1
1996 0 0%
1997 0 0%
1998 0 0%
1999 1 0%
2000 1 0%
2001 0 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 100%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 2 0%
2015 2 0%
2016 2 0%
2017 2 0%
2018 2 50%
2019 1 -100%
2020 2 50%
2021 3 0%
2022 3 0%
2023 3 0%
2023 3 0%
2024 3 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Bar Harbor Bankshares Free Cashflow
Year Free Cashflow Growth
1995 7.820.281
1996 5.600.000 -39.65%
1997 7.800.000 28.21%
1998 5.300.000 -47.17%
1999 4.961.000 -6.83%
2000 1.649.000 -200.85%
2001 5.030.000 67.22%
2002 6.408.000 21.5%
2003 4.507.000 -42.18%
2004 7.595.000 40.66%
2005 6.136.000 -23.78%
2006 7.019.000 12.58%
2007 7.536.000 6.86%
2008 9.861.000 23.58%
2009 4.796.000 -105.61%
2010 11.077.000 56.7%
2011 12.374.000 10.48%
2012 17.197.000 28.05%
2013 19.166.000 10.27%
2014 13.529.000 -41.67%
2015 18.465.000 26.73%
2016 12.495.000 -47.78%
2017 36.975.000 66.21%
2018 32.929.000 -12.29%
2019 27.218.000 -20.98%
2020 31.397.000 13.31%
2021 58.762.000 46.57%
2022 55.083.000 -6.68%
2023 -6.012.000 1016.22%
2023 43.472.000 113.83%
2024 1.519.000 -2761.88%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Bar Harbor Bankshares Operating Cashflow
Year Operating Cashflow Growth
1995 7.820.281
1996 8.100.000 3.45%
1997 8.900.000 8.99%
1998 6.500.000 -36.92%
1999 6.507.000 0.11%
2000 6.602.000 1.44%
2001 7.470.000 11.62%
2002 6.720.000 -11.16%
2003 5.711.000 -17.67%
2004 8.856.000 35.51%
2005 7.380.000 -20%
2006 7.882.000 6.37%
2007 8.174.000 3.57%
2008 10.924.000 25.17%
2009 6.783.000 -61.05%
2010 13.736.000 50.62%
2011 16.139.000 14.89%
2012 21.091.000 23.48%
2013 21.560.000 2.18%
2014 15.531.000 -38.82%
2015 20.331.000 23.61%
2016 16.791.000 -21.08%
2017 40.132.000 58.16%
2018 37.722.000 -6.39%
2019 36.403.000 -3.62%
2020 38.173.000 4.64%
2021 60.478.000 36.88%
2022 57.601.000 -4.99%
2023 -4.971.000 1258.74%
2023 49.592.000 110.02%
2024 6.337.000 -682.58%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Bar Harbor Bankshares Capital Expenditure
Year Capital Expenditure Growth
1995 0
1996 2.500.000 100%
1997 1.100.000 -127.27%
1998 1.200.000 8.33%
1999 1.546.000 22.38%
2000 4.953.000 68.79%
2001 2.440.000 -102.99%
2002 312.000 -682.05%
2003 1.204.000 74.09%
2004 1.261.000 4.52%
2005 1.244.000 -1.37%
2006 863.000 -44.15%
2007 638.000 -35.27%
2008 1.063.000 39.98%
2009 1.987.000 46.5%
2010 2.659.000 25.27%
2011 3.765.000 29.38%
2012 3.894.000 3.31%
2013 2.394.000 -62.66%
2014 2.002.000 -19.58%
2015 1.866.000 -7.29%
2016 4.296.000 56.56%
2017 3.157.000 -36.08%
2018 4.793.000 34.13%
2019 9.185.000 47.82%
2020 6.776.000 -35.55%
2021 1.716.000 -294.87%
2022 2.518.000 31.85%
2023 1.041.000 -141.88%
2023 6.120.000 82.99%
2024 4.818.000 -27.02%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Bar Harbor Bankshares Equity
Year Equity Growth
1995 33.242.824
1996 37.900.000 12.29%
1997 42.500.000 10.82%
1998 46.900.000 9.38%
1999 49.145.000 4.57%
2000 50.507.000 2.7%
2001 52.538.000 3.87%
2002 53.836.000 2.41%
2003 53.115.000 -1.36%
2004 56.042.000 5.22%
2005 56.104.000 0.11%
2006 61.051.000 8.1%
2007 65.974.000 7.46%
2008 65.445.000 -0.81%
2009 113.514.000 42.35%
2010 103.608.000 -9.56%
2011 118.000.000 12.2%
2012 128.046.000 7.85%
2013 121.379.000 -5.49%
2014 146.287.000 17.03%
2015 154.152.000 5.1%
2016 156.740.000 1.65%
2017 354.641.000 55.8%
2018 370.579.000 4.3%
2019 396.407.000 6.52%
2020 411.341.000 3.63%
2021 424.147.000 3.02%
2022 393.450.000 -7.8%
2023 404.208.000 2.66%
2023 432.059.000 6.45%
2024 438.907.000 1.56%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Bar Harbor Bankshares Assets
Year Assets Growth
1995 326.608.699
1996 345.100.000 5.36%
1997 342.700.000 -0.7%
1998 392.000.000 12.58%
1999 456.809.000 14.19%
2000 466.225.000 2.02%
2001 487.203.000 4.31%
2002 553.818.000 12.03%
2003 583.746.000 5.13%
2004 666.811.000 12.46%
2005 747.945.000 10.85%
2006 824.877.000 9.33%
2007 889.472.000 7.26%
2008 972.288.000 8.52%
2009 1.072.381.000 9.33%
2010 1.117.933.000 4.07%
2011 1.167.595.000 4.25%
2012 1.302.935.000 10.39%
2013 1.373.893.000 5.16%
2014 1.459.320.000 5.85%
2015 1.580.055.000 7.64%
2016 1.755.349.000 9.99%
2017 3.565.184.000 50.76%
2018 3.608.487.000 1.2%
2019 3.669.128.000 1.65%
2020 3.725.762.000 1.52%
2021 3.709.233.000 -0.45%
2022 3.909.803.000 5.13%
2023 3.983.941.000 1.86%
2023 3.970.885.000 -0.33%
2024 4.034.200.000 1.57%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Bar Harbor Bankshares Liabilities
Year Liabilities Growth
1995 293.365.875
1996 307.200.000 4.5%
1997 300.200.000 -2.33%
1998 345.100.000 13.01%
1999 407.664.000 15.35%
2000 415.718.000 1.94%
2001 434.665.000 4.36%
2002 499.982.000 13.06%
2003 530.631.000 5.78%
2004 610.769.000 13.12%
2005 691.841.000 11.72%
2006 763.826.000 9.42%
2007 823.498.000 7.25%
2008 906.843.000 9.19%
2009 958.867.000 5.43%
2010 1.014.325.000 5.47%
2011 1.049.595.000 3.36%
2012 1.174.889.000 10.66%
2013 1.252.514.000 6.2%
2014 1.313.033.000 4.61%
2015 1.425.903.000 7.92%
2016 1.598.609.000 10.8%
2017 3.210.543.000 50.21%
2018 3.237.908.000 0.85%
2019 531.316.000 -509.41%
2020 3.314.421.000 83.97%
2021 3.285.086.000 -0.89%
2022 3.516.353.000 6.58%
2023 367.492.000 -856.85%
2023 3.538.826.000 89.62%
2024 3.595.293.000 1.57%

Bar Harbor Bankshares Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
13.37
Net Income per Share
2.72
Price to Earning Ratio
10.72x
Price To Sales Ratio
2.18x
POCF Ratio
8.35
PFCF Ratio
10.18
Price to Book Ratio
1.01
EV to Sales
3.6
EV Over EBITDA
49.66
EV to Operating CashFlow
13.8
EV to FreeCashFlow
16.77
Earnings Yield
0.09
FreeCashFlow Yield
0.1
Market Cap
0,44 Bil.
Enterprise Value
0,73 Bil.
Graham Number
41.99
Graham NetNet
-195.73

Income Statement Metrics

Net Income per Share
2.72
Income Quality
1.28
ROE
0.1
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.79
EBT Per Ebit
1.33
Ebit per Revenue
0.19
Effective Tax Rate
0.21

Margins

Sales, General, & Administrative to Revenue
0.2
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.02
Gross Profit Margin
0.91
Operating Profit Margin
0.19
Pretax Profit Margin
0.26
Net Profit Margin
0.2

Dividends

Dividend Yield
0.04
Dividend Yield %
3.98
Payout Ratio
0.41
Dividend Per Share
1.16

Operating Metrics

Operating Cashflow per Share
3.49
Free CashFlow per Share
2.87
Capex to Operating CashFlow
0.18
Capex to Revenue
0.05
Capex to Depreciation
1.74
Return on Invested Capital
0.04
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.62

Balance Sheet

Cash per Share
40,37
Book Value per Share
28,82
Tangible Book Value per Share
20.69
Shareholders Equity per Share
28.82
Interest Debt per Share
29.34
Debt to Equity
0.89
Debt to Assets
0.1
Net Debt to EBITDA
19.52
Current Ratio
0.05
Tangible Asset Value
0,32 Bil.
Net Current Asset Value
-3,49 Bil.
Invested Capital
-1737527000
Working Capital
-1,91 Bil.
Intangibles to Total Assets
0.03
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.88

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Bar Harbor Bankshares Dividends
Year Dividends Growth
1997 0
1998 1 100%
1999 1 0%
2000 1 0%
2001 1 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 100%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 100%
2023 1 0%
2024 1 0%

Bar Harbor Bankshares Profile

About Bar Harbor Bankshares

Bar Harbor Bankshares operates as the holding company for Bar Harbor Bank & Trust that provides commercial, lending, retail, and wealth management banking services. It accepts various deposit products, including interest-bearing and non-interest-bearing demand accounts, savings accounts, time deposits, and money market deposit accounts, as well as certificates of deposit. The company also provides commercial real estate loans, such as multi-family, commercial construction and land development, and other commercial real estate classes; commercial and industrial loans, including loans to commercial and agricultural businesses, and tax exempt entities; residential real estate loans consists of mortgages for 1-4 family housing; and consumer loans comprises home equity loans, lines of credit, auto, and other installment lending. In addition, it provides life insurance, annuity, and retirement products, as well as financial planning services; and third-party investment and insurance services. Further, the company offers trust and estate administration, wealth advisory, and investment management services to individuals, businesses, not-for-profit organizations, and municipalities; and 401K plan, financial, estate and charitable planning, investment management, family office, municipal, and tax services. It operates 53 locations across Maine, New Hampshire, and Vermont. The company was founded in 1887 and is based in Bar Harbor, Maine.

CEO
Mr. Curtis C. Simard
Employee
462
Address
82 Main Street
Bar Harbor, 04609-0400

Bar Harbor Bankshares Executives & BODs

Bar Harbor Bankshares Executives & BODs
# Name Age
1 Mr. Curtis C. Simard
President, Chief Executive Officer & Director
70
2 Mr. Jason Edgar
President of Bar Harbor Wealth Management
70
3 Ms. Josephine Iannelli
Executive Vice President, Chief Financial Officer & Treasurer
70

Bar Harbor Bankshares Competitors