Bar Harbor Bankshares

DB:346032 Stock Report

Market Cap: €522.6m

Bar Harbor Bankshares Valuation

Is 346032 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 346032 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 346032 (€34) is trading below our estimate of fair value (€80.68)

Significantly Below Fair Value: 346032 is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 346032?

Key metric: As 346032 is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 346032. This is calculated by dividing 346032's market cap by their current earnings.
What is 346032's PE Ratio?
PE Ratio13x
EarningsUS$42.49m
Market CapUS$547.51m

Price to Earnings Ratio vs Peers

How does 346032's PE Ratio compare to its peers?

The above table shows the PE ratio for 346032 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average13.8x
PCZ ProCredit Holding
4.3x10.7%€451.2m
MBK Merkur PrivatBank KgaA
10.2x8.6%€108.9m
AMNB American National Bankshares
19.4xn/aUS$507.6m
GCBC Greene County Bancorp
21.4xn/aUS$535.3m
346032 Bar Harbor Bankshares
13x0.8%€547.5m

Price-To-Earnings vs Peers: 346032 is good value based on its Price-To-Earnings Ratio (13x) compared to the peer average (13.8x).

Price to Earnings Ratio vs Industry

How does 346032's PE Ratio compare vs other companies in the European Banks Industry?

2 CompaniesPrice / EarningsEstimated GrowthMarket Cap
346032 13.0xIndustry Avg. 7.3xNo. of Companies47PE0612182430+
2 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 346032 is expensive based on its Price-To-Earnings Ratio (13x) compared to the European Banks industry average (7.3x).

Price to Earnings Ratio vs Fair Ratio

What is 346032's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

346032 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio13x
Fair PE Ratio8.3x

Price-To-Earnings vs Fair Ratio: 346032 is expensive based on its Price-To-Earnings Ratio (13x) compared to the estimated Fair Price-To-Earnings Ratio (8.3x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 346032 forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€34.00
€29.67
-12.7%
6.3%€31.52€27.81n/a2
Nov ’25€29.80
€29.67
-0.4%
6.3%€31.52€27.81n/a2
Oct ’25€27.40
€28.35
+3.5%
7.9%€30.60€26.10n/a2
Jul ’25€24.60
€26.31
+7.0%
0.9%€26.54€26.08n/a2
Jun ’25€23.60
€26.52
+12.4%
0.9%€26.75€26.28n/a2
May ’25€23.60
€26.52
+12.4%
0.9%€26.75€26.28n/a2
Apr ’25€23.80
€26.52
+11.4%
0.9%€26.76€26.29n/a2
Mar ’25€23.20
€27.57
+18.8%
3.3%€28.49€26.65n/a2
Feb ’25€24.40
€27.57
+13.0%
3.3%€28.49€26.65n/a2
Jan ’25€26.80
€26.94
+0.5%
6.9%€28.80€25.08n/a2
Dec ’24€23.80
€26.11
+9.7%
1.8%€26.58€25.63n/a2
Nov ’24€23.40
€26.11
+11.6%
1.8%€26.58€25.63€29.802
Oct ’24€22.20
€25.97
+17.0%
1.8%€26.44€25.49€27.402
Sep ’24€22.60
€25.17
+11.4%
3.6%€26.07€24.27€28.602
Aug ’24€24.60
€25.17
+2.3%
3.6%€26.07€24.27€30.002
Jul ’24€23.00
€25.68
+11.6%
3.6%€26.59€24.76€24.602
Jun ’24€21.80
€26.40
+21.1%
6.9%€28.22€24.58€23.602
May ’24€22.00
€26.40
+20.0%
6.9%€28.22€24.58€23.602
Apr ’24€23.20
€29.65
+27.8%
3.1%€30.57€28.72€23.802
Dec ’23€28.80
€32.95
+14.4%
1.5%€33.46€32.44€23.802
Nov ’23€30.20
€32.95
+9.1%
1.5%€33.46€32.44€23.402

Analyst Forecast: Target price is lower than the current share price.

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