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Upturn AI SWOT - About
BHB 
Bar Harbor Bankshares Inc (BHB)
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Upturn Advisory Summary
06/30/2025: 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
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $32.5
1 Year Target Price $32.5
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -23.19% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 455.06M USD | Price to earnings Ratio 10.46 | 1Y Target Price 32.5 |
Price to earnings Ratio 10.46 | 1Y Target Price 32.5 | ||
Volume (30-day avg) 2 | Beta 0.63 | 52 Weeks Range 24.49 - 37.42 | Updated Date 06/30/2025 |
52 Weeks Range 24.49 - 37.42 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 4.31% | Basic EPS (TTM) 2.84 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.13% | Operating Margin (TTM) 36.57% |
Management Effectiveness
Return on Assets (TTM) 1.09% | Return on Equity (TTM) 9.67% |
Valuation
Trailing PE 10.46 | Forward PE - | Enterprise Value 605695360 | Price to Sales(TTM) 3.04 |
Enterprise Value 605695360 | Price to Sales(TTM) 3.04 | ||
Enterprise Value to Revenue 4.63 | Enterprise Value to EBITDA - | Shares Outstanding 15321800 | Shares Floating 14944388 |
Shares Outstanding 15321800 | Shares Floating 14944388 | ||
Percent Insiders 2.75 | Percent Institutions 59.25 |
Analyst Ratings
Rating 2 | Target Price 32.5 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Bar Harbor Bankshares Inc
Company Overview
History and Background
Bar Harbor Bankshares, founded in 1887 as Bar Harbor Banking and Trust Company, has grown from a local bank to a regional financial institution. It has expanded through organic growth and acquisitions, offering a range of financial services.
Core Business Areas
- Community Banking: Provides traditional banking services, including checking and savings accounts, loans, and mortgages to individuals and small businesses.
- Wealth Management: Offers investment management, trust, and financial planning services to individuals and families.
- Commercial Banking: Provides banking services, including deposit accounts and commercial loans, to larger businesses and organizations.
Leadership and Structure
The company is led by its Board of Directors and executive management team. The organizational structure includes various departments responsible for different business functions.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Mortgages for primary and secondary homes. Market share varies by region served, but generally trails larger national banks. Competitors include Bank of America, Wells Fargo, and local credit unions. Specific revenue data not publicly disclosable.
- Commercial Loans: Loans for businesses, including term loans and lines of credit. Competitors include larger banks like Bangor Savings Bank and KeyBank. Specific revenue data not publicly disclosable.
- Deposit Accounts: Checking, savings, and money market accounts. Competitors include online banks offering higher interest rates and national banks. Specific revenue data not publicly disclosable.
Market Dynamics
Industry Overview
The banking industry is currently navigating a period of economic uncertainty, including rising interest rates and increased competition from fintech companies.
Positioning
Bar Harbor Bankshares positions itself as a community-focused bank offering personalized service. It seeks to build long-term relationships with customers.
Total Addressable Market (TAM)
The TAM includes all banking customers in the regions Bar Harbor Bankshares serves. The company is positioned as a regional player, capturing a portion of the local market.
Upturn SWOT Analysis
Strengths
- Strong local brand recognition
- Established customer relationships
- Experienced management team
- High customer satisfaction
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Lower technology investment compared to larger competitors
- Reliance on traditional banking practices
Opportunities
- Expansion into new markets
- Increased adoption of digital banking solutions
- Strategic acquisitions
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Economic downturns
- Rising interest rates
- Changes in regulatory environment
Competitors and Market Share
Key Competitors
- BOSC
- CMA
- SNV
Competitive Landscape
Bar Harbor Bankshares faces competition from larger national and regional banks, as well as credit unions and fintech companies. Its competitive advantage lies in its strong local relationships and personalized service.
Growth Trajectory and Initiatives
Historical Growth: Analysis of past revenue and asset growth requires historical financial data.
Future Projections: Future growth projections can be found from analyst reports and company guidance, generally positive.
Recent Initiatives: Recent initiatives might include branch expansions, technology upgrades, or new product launches.
Summary
Bar Harbor Bankshares is a community-focused bank with strong local ties. Its strengths lie in customer relationships, but it faces challenges from larger competitors and the evolving financial landscape. Focusing on technology upgrades and strategic expansions could bolster its future growth. The financial information of the company is very limited publicly.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports (FactSet, Bloomberg)
- Industry Publications
Disclaimers:
This analysis is based on publicly available information and general industry knowledge. It should not be considered financial advice. Market share percentages are estimates and may vary.
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
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