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BHB 
Bar Harbor Bankshares Inc (BHB)
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Upturn Advisory Summary
12/03/2025: BHB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 -35.08% | Avg. Invested days 27 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/03/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 512.01M USD | Price to earnings Ratio 13.11 | 1Y Target Price 34.5 |
Price to earnings Ratio 13.11 | 1Y Target Price 34.5 | ||
Volume (30-day avg) 2 | Beta 0.65 | 52 Weeks Range 25.62 - 34.95 | Updated Date 12/2/2025 |
52 Weeks Range 25.62 - 34.95 | Updated Date 12/2/2025 | ||
Dividends yield (FY) 4.09% | Basic EPS (TTM) 2.34 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 13.11 | Forward PE - | Enterprise Value 575871424 | Price to Sales(TTM) 3.35 |
Enterprise Value 575871424 | Price to Sales(TTM) 3.35 | ||
Enterprise Value to Revenue 4.41 | Enterprise Value to EBITDA - | Shares Outstanding 16688573 | Shares Floating 16228302 |
Shares Outstanding 16688573 | Shares Floating 16228302 | ||
Percent Insiders 2.72 | Percent Institutions 56.41 |
Upturn AI SWOT
Bar Harbor Bankshares Inc
Company Overview
History and Background
Bar Harbor Bankshares, established in 1887, started as a local community bank in Bar Harbor, Maine. Over time, it expanded through organic growth and strategic acquisitions, evolving into a regional bank holding company offering a broad range of financial services.
Core Business Areas
- Retail Banking: Provides deposit accounts, loans, and other banking services to individuals and small businesses.
- Commercial Banking: Offers lending, deposit, and cash management solutions to businesses of various sizes.
- Wealth Management: Provides investment advisory, trust, and financial planning services to individuals and families.
- Mortgage Banking: Offers mortgage origination and servicing.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure includes retail banking, commercial banking, wealth management, and operational divisions, reporting to the executive management team.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes. Market share data is not publicly available. Competitors include Bangor Savings Bank, KeyBank, and other regional banks.
- Residential Mortgages: Mortgages for home purchases. Market share data is not publicly available. Competitors include Bangor Savings Bank, Camden National Bank, and national lenders.
- Deposit Accounts: Checking and savings accounts for individuals and businesses. Market share data is not publicly available. Competitors include Bangor Savings Bank, Camden National Bank, and online banks.
- Wealth Management Services: Services include financial planning, investment management, and trust services. Market share data is not publicly available. Competitors include Fidelity, Schwab, and local wealth management firms.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, technological disruption, and regulatory changes. There is also consolidation in the industry.
Positioning
Bar Harbor Bankshares is positioned as a community-focused regional bank offering personalized service. Its competitive advantage lies in its local market knowledge and customer relationships.
Total Addressable Market (TAM)
The total addressable market includes all potential banking customers in its geographic area. Bar Harbor Bankshares is positioned to capture a portion of this market through its community focus.
Upturn SWOT Analysis
Strengths
- Strong local brand reputation
- Experienced management team
- High customer loyalty
- Strong capital position
Weaknesses
- Limited geographic reach
- Reliance on traditional banking model
- Lower digital presence compared to larger banks
- High cost structure.
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Growing demand for wealth management services
- Strategic acquisitions
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- Bangor Savings Bank (Private)
- Camden National Corporation (CAC)
- KeyCorp (KEY)
Competitive Landscape
Bar Harbor Bankshares faces competition from larger regional and national banks, as well as fintech companies. Its advantage lies in its local market knowledge and customer relationships.
Growth Trajectory and Initiatives
Historical Growth: Bar Harbor Bankshares has grown through organic growth and acquisitions. Historical growth rates vary depending on market conditions.
Future Projections: Future growth is expected to be driven by expansion into new markets and increased adoption of digital banking. Analyst estimates can be found on financial websites.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion into new markets.
Summary
Bar Harbor Bankshares is a community-focused regional bank with a strong local brand. The bank has been experiencing positive growth but also faces competition from larger institutions. Strengths are centered on customer relationships, but weaknesses are centered on limited geographic reach. The bank should focus on expanding its digital offerings and carefully consider potential threats from economic downturns.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings, Financial news websites, Industry reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimated and may not be precise.
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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