Bar Harbor Bankshares Inc (BHB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Bar Harbor Bankshares Inc stock (BHB) is currently trading at $32.11. Bar Harbor Bankshares Inc PE ratio is 13.56. Bar Harbor Bankshares Inc PS ratio (Price-to-Sales) is 3.21. Analyst consensus price target for BHB is $36.50. WallStSmart rates BHB as Hold.
- BHB PE ratio analysis and historical PE chart
- BHB PS ratio (Price-to-Sales) history and trend
- BHB intrinsic value — DCF, Graham Number, EPV models
- BHB stock price prediction 2025 2026 2027 2028 2029 2030
- BHB fair value vs current price
- BHB insider transactions and insider buying
- Is BHB undervalued or overvalued?
- Bar Harbor Bankshares Inc financial analysis — revenue, earnings, cash flow
- BHB Piotroski F-Score and Altman Z-Score
- BHB analyst price target and Smart Rating
Bar Harbor Bankshares Inc
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BHB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Bar Harbor Bankshares Inc (BHB)
BHB trades 120% above its Graham fair value of $15.71, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Bar Harbor Bankshares Inc (BHB) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Concerns around return on equity and eps growth. Fundamentals are solid but monitor weak areas for improvement.
Bar Harbor Bankshares Inc (BHB) Key Strengths (5)
Keeps $42 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Keeps $23 of every $100 in revenue as net profit
Strong revenue growth at 28.90% annually
56.70% held by institutions, strong professional interest
Supporting Valuation Data
Bar Harbor Bankshares Inc (BHB) Areas to Watch (4)
Earnings declining -1.30%, profits shrinking
Low profitability relative to shareholder equity
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 3.21x sales
Bar Harbor Bankshares Inc (BHB) Detailed Analysis Report
Overall Assessment
This company scores 61/100 in our Smart Analysis, earning a C+ grade. Out of 9 metrics analyzed, 5 register as strengths (avg 9.2/10) while 4 fall into concern territory (avg 3.5/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Profit Margin. Valuation metrics including Price/Book (0.98) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 41.60%, Profit Margin at 22.60%. Growth metrics are encouraging with Revenue Growth at 28.90%.
The Bear Case
The primary concerns are EPS Growth, Return on Equity, Market Cap. Some valuation metrics including Price/Sales (3.21) suggest expensive pricing. Growth concerns include EPS Growth at -1.30%, which may limit upside. Profitability pressure is visible in Return on Equity at 7.45%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 7.45% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 28.90% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Book) and negatives (EPS Growth, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
BHB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
BHB's Price-to-Sales ratio of 3.21x sits near its historical average of 3.28x (29th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 7% below its historical high of 3.46x set in Feb 2026, and 1% above its historical low of 3.19x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Bar Harbor Bankshares Inc (BHB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Bar Harbor Bankshares Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 163M with 29% growth year-over-year. Profit margins are strong at 22.6%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 29% YoY, reaching 163M. This pace significantly outperforms most BANKS - REGIONAL peers.
Profit margin of 22.6% and operating margin of 41.6% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Growth sustainability: can Bar Harbor Bankshares Inc maintain 29%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 4.0%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 270M is significantly higher than cash (45M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Bar Harbor Bankshares Inc.
Bottom Line
Bar Harbor Bankshares Inc offers an attractive blend of growth (29% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(9 last 3 months)
| Insider | Type | Shares |
|---|---|---|
COLTER, DAVID M Director | Buy | +500 |
Data sourced from SEC Form 4 filings
Last updated: 10:04:34 AM
About Bar Harbor Bankshares Inc(BHB)
NYSE MKT
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Bar Harbor Bankshares is the holding company of Bar Harbor Bank & Trust providing commercial banking, retail and wealth management services. The company is headquartered in Bar Harbor, Maine.