Bar Harbor Bankshares (BHB) AI Stock Analysis

Bar Harbor Bankshares serves as the holding company for Bar Harbor Bank & Trust, a financial institution founded in 1887 and operating 53 locations across Maine, New Hampshire, and Vermont. The bank serves individuals, businesses, non-profit entities, and municipalities. It offers deposit accounts including demand, savings, money market, and certificates of deposit. Its lending activities include commercial real estate, construction, commercial and industrial loans, residential real estate for 1-4 family homes, home equity loans, and auto loans. Additionally, the company provides wealth management, trust and estate administration, investment management, financial planning, municipal banking, and third-party investment and insurance products.

Between FY2020 and FY2025, Bar Harbor Bankshares delivered a 5-year revenue compound annual growth rate of 7.6%. Annual revenue expanded from $153.1M in FY2021 to $243.3M in FY2025, although net income shifted from $39.3M to $36.9M over the same timeframe. Annual operating margin was 19.0% in FY2025, down from 49.6% in FY2023. Over the trailing twelve months, revenue totaled $187.4M with an operating margin of 41.9% and diluted EPS of $2.96. Momentum picked up significantly in the latest quarter ended June 30, 2026, with quarterly revenue growing 42.3% and quarterly earnings advancing 128.5% year-over-year.

As of June 30, 2026, Bar Harbor Bankshares held $648.0M in cash and short-term investments against total debt of $281.2M, resulting in net cash of $366.9M. Total assets stood at $4.74B, and shareholders' equity was $549.6M, representing a debt-to-equity ratio of 0.51 and a current ratio of 0.16. In FY2025, the company produced $48.3M in operating cash flow and $43.5M in free cash flow, deploying capital toward $4.8M in capital expenditures, $20.4M in dividends paid, and $827,000 in share buybacks.

At a last close of $38.21, Bar Harbor Bankshares has a market capitalization of $640.6M and an enterprise value of $824.8M. The stock trades at a trailing price-to-earnings multiple of 12.9x, above the 12.1x median of its US-listed Financial Services peers. Its forward price-to-earnings multiple is 12.1x compared to the peer median of 10.8x, while price-to-book stands at 1.2x. Over the past year, the shares gained 40.4%, outperforming the S&P 500 (SPY) return of 16.8%. However, its 5-year return of 63.2% trails the S&P 500 return of 83.0%.

Bar Harbor Bankshares pays a forward annual dividend of $1.32 per share, reflecting a 3.45% dividend yield with a payout ratio of 35.9%. The bank has paid dividends for 32 consecutive years, delivered an annualized 5-year dividend growth rate of 7.4%, and recorded its most recent ex-dividend date on August 20, 2026.

Wall Street coverage consists of 2 Hold ratings, with zero Buy or Sell recommendations. The mean price target is $41.00, implying 7.3% upside above the last close of $38.21. For the fiscal year ending December 31, 2026, consensus estimates project EPS of $3.62 on revenue of $197.1M. For the following fiscal year, 2 analysts project revenue of $205.7M and EPS of $3.79. The company beat EPS estimates in 3 of the last 4 quarters and is scheduled to report earnings on October 20, 2026.

This page is an AI-written research summary of Bar Harbor Bankshares (BHB). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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