BHB
BAR HARBOR BANKSHARES
Next earnings Jul 16, 2026 · consensus $0.90 EPS, $49.3M rev
Last earnings -1.6% on 2026-04-21
$39.07
▲ +4.05%$39.07▲ +39.76%
over 1Y
L $27.45EODHDH $39.07
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+4.0%
1W+7.7%
1M+12.0%
3M+24.0%
YTD+27.6%
1Y+39.8%
Hold
Conviction
Horizon
Medium (3–12mo)
Street · 6 analysts
Buy
Strong net margin (125.7%).
Revenue (FY2022) $29.4M · FY2022
The read
Middling fundamentals and a rich price (~53% above fair value) leave little margin of safety — a wait-and-see.
BAR HARBOR BANKSHARES shows $29.4M in FY2022 revenue (+3.4% YoY), a 125.7% net margin, and 6.9% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $28.4M | $29.4M | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $39.3M | $43.6M | $44.9M | $43.5M | $36.9M |
| Diluted EPS | $2.61 | $2.88 | $2.95 | $2.84 | $2.31 |
| Net margin | 138.4% | 148.3% | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF15.0
PEG (trailing)—
Earnings yield5.6%
FCF yield6.6%
Quality & risk
ROIC (est.)—
Free cash flow$43.5M
Total debt$270M
Net cash-$189M
Piotroski F-Score3/7
Capital returns
Buyback yield2.2%
Dividend yield (est.)3.1%
Shareholder yield5.3%
Shares Δ YoY+9.3%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsRoutine disclosure cadence — no material red flags in recent filings.
Recent filings
all on EDGAR ↗11-KPeriod ending 2025-12-312026-06-25open ↗4Period ending 2026-06-182026-06-23open ↗4Period ending 2026-06-182026-06-23open ↗4Period ending 2026-06-182026-06-23open ↗4Period ending 2026-06-182026-06-23open ↗4Period ending 2026-06-182026-06-23open ↗4Period ending 2026-06-182026-06-23open ↗4Period ending 2026-06-182026-06-23open ↗8-KPeriod ending 2026-05-072026-05-07open ↗8-KPeriod ending 2026-05-062026-05-06open ↗SCHEDULE 13G/AFiling2026-05-06open ↗10-QPeriod ending 2026-03-312026-05-05open ↗
Frequently asked
- Is BAR HARBOR BANKSHARES (BHB) a buy?
- BHB currently carries a Hold rating with 3/5 conviction, derived from its latest SEC filings. Strong net margin (125.7%).
- What is BHB's fair value?
- A Modified-Graham model based on BHB's SEC fundamentals estimates a fair value of about $18.56. It is an estimate from reported earnings, not a price target.
- Is BHB overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, BHB currently appears overvalued relative to its SEC-grounded earnings power.
- What is BAR HARBOR BANKSHARES's quality score?
- BHB scores 61.588235294117645/100 (grade C+) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000743367, latest 10-Q filed 2026-05-05) · EODHD · as of 6/26/2026, 8:10:42 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.