Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial - Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
BHB 
Bar Harbor Bankshares Inc (BHB)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- 1Y
- 1M
- 1W
Upturn Advisory Summary
11/12/2025: BHB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $34.5
1 Year Target Price $34.5
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -35.09% | Avg. Invested days 29 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/12/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 499.66M USD | Price to earnings Ratio 12.96 | 1Y Target Price 34.5 |
Price to earnings Ratio 12.96 | 1Y Target Price 34.5 | ||
Volume (30-day avg) 2 | Beta 0.65 | 52 Weeks Range 25.90 - 36.48 | Updated Date 11/12/2025 |
52 Weeks Range 25.90 - 36.48 | Updated Date 11/12/2025 | ||
Dividends yield (FY) 4.19% | Basic EPS (TTM) 2.31 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-21 | When After Market | Estimate 0.83 | Actual 0.95 |
Profitability
Profit Margin 23.69% | Operating Margin (TTM) 38.52% |
Management Effectiveness
Return on Assets (TTM) 0.83% | Return on Equity (TTM) 7.37% |
Valuation
Trailing PE 12.96 | Forward PE - | Enterprise Value 563521856 | Price to Sales(TTM) 3.27 |
Enterprise Value 563521856 | Price to Sales(TTM) 3.27 | ||
Enterprise Value to Revenue 4.33 | Enterprise Value to EBITDA - | Shares Outstanding 16688573 | Shares Floating 16241820 |
Shares Outstanding 16688573 | Shares Floating 16241820 | ||
Percent Insiders 2.64 | Percent Institutions 55.27 |
Upturn AI SWOT
Bar Harbor Bankshares Inc
Company Overview
History and Background
Bar Harbor Bankshares, founded in 1887, is the parent company of Bar Harbor Bank & Trust. It has grown through organic expansion and acquisitions, serving communities across Maine, New Hampshire, and Vermont.
Core Business Areas
- Retail Banking: Offers checking, savings, loan, and mortgage products to individuals and small businesses.
- Commercial Banking: Provides lending, deposit, and cash management services to businesses.
- Wealth Management: Offers investment management, financial planning, and trust services.
Leadership and Structure
The company is led by a Board of Directors and a senior management team responsible for strategic direction and operational execution. Curtis Simard is the President and CEO.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offers fixed-rate and adjustable-rate mortgages. Market share information is difficult to ascertain precisely due to fragmented regional markets. Competitors include Bangor Savings Bank, Camden National Bank, and larger national banks.
- Commercial Loans: Provides loans for various business purposes. Market share information is fragmented regionally. Competitors include TD Bank, KeyBank, and other regional and national lenders.
- Deposit Accounts: Checking, savings and money market accounts for personal and business customers. Market share information is fragmented regionally. Competitors include local banks, credit unions and national banks.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment with changing interest rates, increased regulation, and evolving customer expectations for digital banking services.
Positioning
Bar Harbor Bankshares positions itself as a community-focused bank, emphasizing personalized service and local expertise. Competitive advantages include its strong local presence and customer relationships.
Total Addressable Market (TAM)
The TAM includes all banking and financial services within its operating regions (Maine, New Hampshire, and Vermont). Bar Harbor Bankshares is positioned to capture a share of this TAM through its community-focused approach.
Upturn SWOT Analysis
Strengths
- Strong local brand recognition
- Experienced management team
- Solid customer relationships
- Diversified product and service offerings
- Sound asset quality
Weaknesses
- Limited geographic reach compared to larger banks
- Reliance on traditional banking services
- Lower technological capabilities compared to larger banks
- Sensitivity to interest rate changes
Opportunities
- Expand into new geographic markets within New England
- Enhance digital banking platforms and services
- Acquire smaller community banks
- Grow wealth management business
- Capitalize on the demand for personalized banking services
Threats
- Increased competition from larger banks and credit unions
- Rising interest rates
- Economic downturns
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- Bangor Savings Bank (Not Publicly Traded)
- Camden National Corporation (CAC)
- TD Bank (TD)
Competitive Landscape
Bar Harbor Bankshares competes primarily on customer service and local knowledge, while larger banks offer broader product ranges and advanced technology.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady, driven by organic growth and acquisitions.
Future Projections: Future growth is expected to be moderate, influenced by economic conditions and competitive pressures. Analyst estimates data unavailable.
Recent Initiatives: Recent initiatives include expanding digital banking services and enhancing customer experience.
Summary
Bar Harbor Bankshares is a community bank with a solid local presence and customer base. While it faces competition from larger institutions and the challenges of the digital age, its strong customer relationships and local expertise provide a competitive edge. The company should focus on enhancing its digital capabilities and expanding its reach to ensure sustainable growth. Interest rate fluctuation and cybersecurity are threats to watch out for.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Reports
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions and company performance are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Bar Harbor Bankshares Inc
Exchange NYSE MKT | Headquaters Bar Harbor, ME, United States | ||
IPO Launch date 1997-09-23 | President, CEO & Director Mr. Curtis C. Simard | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 458 | Website https://www.barharbor.bank |
Full time employees 458 | Website https://www.barharbor.bank | ||
Bar Harbor Bankshares operates as the holding company for Bar Harbor Bank & Trust that provides banking and nonbanking products and services primarily to consumers and businesses. It offers 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 construction loans, such as raw land, land development, and construction of commercial and multifamily residential properties; commercial real estate owner occupied and non-owner occupied loans; tax exempt loans to various state and municipal government entities; commercial and industrial loans, including loans for the purpose of financing working capital and capital investment; residential real estate loans consists of one-to-four family homes; home equity loans; and consumer loans, including personal lines of credit and amortizing loans to qualified individuals for various purposes, such as auto loans, recreational equipment, overdraft protection, and other consumer loans, as well as allowance for credit losses. In addition, it provides life insurance, annuity, and retirement products; 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 401(K) plan, financial, estate and charitable planning, investment management, family office, municipal, and tax services. Bar Harbor Bankshares was founded in 1887 and is headquartered in Bar Harbor, Maine
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.