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Upturn AI SWOT - About
BHB 
Bar Harbor Bankshares Inc (BHB)
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Upturn Advisory Summary
08/28/2025: 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
1 Year Target Price $34
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -30.69% | 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 536.52M USD | Price to earnings Ratio 12.51 | 1Y Target Price 34 |
Price to earnings Ratio 12.51 | 1Y Target Price 34 | ||
Volume (30-day avg) 2 | Beta 0.67 | 52 Weeks Range 25.90 - 37.05 | Updated Date 08/28/2025 |
52 Weeks Range 25.90 - 37.05 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 3.77% | Basic EPS (TTM) 2.57 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.87% | Operating Margin (TTM) 27.57% |
Management Effectiveness
Return on Assets (TTM) 0.97% | Return on Equity (TTM) 8.7% |
Valuation
Trailing PE 12.51 | Forward PE - | Enterprise Value 744808000 | Price to Sales(TTM) 3.65 |
Enterprise Value 744808000 | Price to Sales(TTM) 3.65 | ||
Enterprise Value to Revenue 5.61 | Enterprise Value to EBITDA - | Shares Outstanding 16682900 | Shares Floating 16250144 |
Shares Outstanding 16682900 | Shares Floating 16250144 | ||
Percent Insiders 2.56 | Percent Institutions 54.74 |
Upturn AI SWOT
Bar Harbor Bankshares Inc
Company Overview
History and Background
Bar Harbor Bankshares, Inc. was founded in 1887 and is headquartered in Bar Harbor, Maine. Initially focused on serving the Mount Desert Island community, it has grown through organic expansion and strategic acquisitions to serve a broader region.
Core Business Areas
- Retail Banking: Offers traditional banking services to individuals, including checking and savings accounts, loans, and mortgages.
- Commercial Banking: Provides banking solutions for businesses, including commercial lending, treasury management, and deposit services.
- Wealth Management: Offers wealth management and investment advisory services to individuals and families.
Leadership and Structure
The leadership team consists of the Chief Executive Officer, Chief Financial Officer, and other key executives. The organizational structure includes various departments overseeing retail banking, commercial banking, wealth management, and operations.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Mortgages for purchasing or refinancing homes. Market share data is not publicly available. Competitors include national and regional banks such as Bank of America, Bangor Savings Bank, and Camden National Bank.
- Commercial Loans: Loans for businesses, including term loans and lines of credit. Market share data is not publicly available. Competitors include national and regional banks, as well as credit unions.
- Deposit Accounts: Checking, savings, and money market accounts. Market share data is not publicly available. Competitors include national and regional banks, as well as online banks.
Market Dynamics
Industry Overview
The banking industry is characterized by increasing regulation, low interest rate environment, and consolidation. The industry has been adapting to the rise of fintech and changing customer preferences.
Positioning
Bar Harbor Bankshares Inc. is a regional bank focused on providing community banking services. Its competitive advantage is its local presence, personalized service, and understanding of the local market. It is positioned as a relationship-focused bank.
Total Addressable Market (TAM)
The TAM for regional banking services is in the hundreds of billions, encompassing loans, deposits, and wealth management services across its geographic reach. Bar Harbor is positioned with a fraction of TAM.
Upturn SWOT Analysis
Strengths
- Strong Local Presence
- Customer Relationships
- Experienced Management Team
- Community Focused
Weaknesses
- Limited Geographic Reach
- Smaller Scale Compared to National Banks
- Dependence on Local Economy
- Limited Product Diversification
Opportunities
- Expanding into New Markets
- Acquiring Smaller Banks
- Leveraging Technology
- Increasing Wealth Management Services
Threats
- Economic Downturn
- Increased Competition
- Regulatory Changes
- Cybersecurity Risks
Competitors and Market Share
Key Competitors
- BOSC
- CNB
- OTLY
Competitive Landscape
Bar Harbor Bankshares Inc. faces competition from national banks, regional banks, and credit unions. Its advantages include local presence and customer relationships. Its disadvantages include limited geographic reach and smaller scale.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady, driven by organic growth and acquisitions.
Future Projections: Future growth depends on the local economy, interest rate environment, and the company's ability to execute its growth strategy.
Recent Initiatives: Recent initiatives include expanding into new markets, investing in technology, and increasing wealth management services.
Summary
Bar Harbor Bankshares Inc. is a community-focused bank with a strong local presence. Their customer relationships are a key strength. The relatively limited geographic reach, could be a weakness. Expanding into new markets and leveraging technology are growth opportunities and cybersecurity represents a threat.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Reports
- Analyst Reports
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market share estimates are approximate.
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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