Bar Harbor Bankshares operates as the holding company for Bar Harbor Bank & Trust that provides commercial, retail, and wealth management banking services. More Details
No risks detected for BHB from our risk checks.
Flawless balance sheet average dividend payer.
Share Price & News
How has Bar Harbor Bankshares's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: BHB is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 7% a week.
Volatility Over Time: BHB's weekly volatility (7%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: BHB exceeded the US Banks industry which returned -16.2% over the past year.
Return vs Market: BHB underperformed the US Market which returned 22.2% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Bar Harbor Bankshares's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 day ago | Simply Wall StWould Shareholders Who Purchased Bar Harbor Bankshares' (NYSEMKT:BHB) Stock Three Years Be Happy With The Share price Today?
3 weeks ago | Simply Wall StHere's What We Like About Bar Harbor Bankshares' (NYSEMKT:BHB) Upcoming Dividend
1 month ago | Simply Wall StWhat Type Of Shareholders Own The Most Number of Bar Harbor Bankshares (NYSEMKT:BHB) Shares?
Is Bar Harbor Bankshares undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: BHB ($23.61) is trading above our estimate of fair value ($18.89)
Significantly Below Fair Value: BHB is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: BHB is poor value based on its PE Ratio (12.6x) compared to the US Banks industry average (11.4x).
PE vs Market: BHB is good value based on its PE Ratio (12.6x) compared to the US market (19.4x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate BHB's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: BHB's PB Ratio (0.9x) is in line with the US Banks industry average.
How is Bar Harbor Bankshares forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Bar Harbor Bankshares has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
- Examine Bar Harbor Bankshares's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
- Bar Harbor Bankshares competitive advantages and company strategy can generally be found in its financial reports archived here.
- Explore growth companies in the Banks industry.
How has Bar Harbor Bankshares performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BHB has high quality earnings.
Growing Profit Margin: BHB's current net profit margins (22.3%) are lower than last year (22.7%).
Past Earnings Growth Analysis
Earnings Trend: BHB's earnings have grown by 13.9% per year over the past 5 years.
Accelerating Growth: BHB's earnings growth over the past year (10.8%) is below its 5-year average (13.9% per year).
Earnings vs Industry: BHB earnings growth over the past year (10.8%) exceeded the Banks industry -4.1%.
Return on Equity
High ROE: BHB's Return on Equity (7.1%) is considered low.
How is Bar Harbor Bankshares's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: BHB's Assets to Equity ratio (9.5x) is low.
Allowance for Bad Loans: BHB has a sufficient allowance for bad loans (124%).
Low Risk Liabilities: 85% of BHB's liabilities are made up of primarily low risk sources of funding.
Loan Level: BHB has an appropriate level of Loans to Assets ratio (70%).
Low Risk Deposits: BHB's Loans to Deposits ratio (92%) is appropriate.
Level of Bad Loans: BHB has an appropriate level of bad loans (0.5%).
What is Bar Harbor Bankshares's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BHB's dividend (3.73%) is higher than the bottom 25% of dividend payers in the US market (1.48%).
High Dividend: BHB's dividend (3.73%) is low compared to the top 25% of dividend payers in the US market (4.11%).
Stability and Growth of Payments
Stable Dividend: BHB's dividends per share have been stable in the past 10 years.
Growing Dividend: BHB's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (47.1%), BHB's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Curtis Simard (49 yo)
Mr. Curtis C. Simard has been the Chief Executive Officer and President of Bar Harbor Bankshares since August 9, 2013 and its subsidiary Bar Harbor Bank & Trust Company since June 17, 2013. Mr. Simard serv...
CEO Compensation Analysis
Compensation vs Market: Curtis's total compensation ($USD1.34M) is about average for companies of similar size in the US market ($USD1.79M).
Compensation vs Earnings: Curtis's compensation has been consistent with company performance over the past year.
|Executive VP||4.17yrs||US$778.22k||0.076% |
|Executive VP||4.25yrs||US$780.38k||0.12% |
|Executive VP & Director of Retail Delivery||2.83yrs||US$555.33k||0.027% |
|Executive VP & Chief Lending Officer||2.17yrs||US$536.03k||0.030% |
|Chief Investment Officer||4.33yrs||no data||no data|
|Senior VP and Chief HR Officer||1.5yrs||no data||no data|
|Senior Vice President of Finance||no data||no data||no data|
|Senior Vice President||no data||no data||0.026% |
|Senior VP & MD||0.92yr||no data||no data|
|Senior Vice President of Strategic Finance||2.67yrs||no data||no data|
|Senior VP||2.67yrs||no data||no data|
Experienced Management: BHB's management team is considered experienced (2.8 years average tenure).
|Independent Director||3.92yrs||US$63.99k||0.62% |
|Independent Director||6.58yrs||US$70.29k||0.089% |
|Independent Director||17.58yrs||US$65.49k||0.11% |
|Independent Director||17.58yrs||US$69.29k||0.25% |
|Independent Chairman of the Board||4.58yrs||US$87.29k||0.11% |
|Independent Director||5.58yrs||US$61.99k||0.037% |
|Independent Director||16.58yrs||US$72.99k||0.11% |
|Independent Director||15.5yrs||US$69.49k||0.081% |
|Independent Director||2.58yrs||US$60.99k||0.043% |
|Independent Director||4.58yrs||US$56.49k||0.037% |
|Independent Director||3.92yrs||US$55.19k||0.055% |
Experienced Board: BHB's board of directors are considered experienced (6.1 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Bar Harbor Bankshares's company bio, employee growth, exchange listings and data sources
- Name: Bar Harbor Bankshares
- Ticker: BHB
- Exchange: AMEX
- Founded: 1887
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$353.210m
- Shares outstanding: 14.93m
- Website: https://www.barharbor.bank
Number of Employees
- Bar Harbor Bankshares
- 82 Main Street
- PO Box 400
- Bar Harbor
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|BHB||AMEX (NYSE MKT LLC)||Yes||Common Stock||US||USD||Jun 1995|
Bar Harbor Bankshares operates as the holding company for Bar Harbor Bank & Trust that provides commercial, retail, and wealth management banking services. It accepts various deposit products, including in...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/12/03 23:06|
|End of Day Share Price||2020/12/03 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.