BHB:NYE-Bar Harbor Bankshares (USD)

COMMON STOCK | Banks-Regional | NYE

Last Closing Price

USD 25.71

Change

0.00 (0.00)%

Market Cap

USD 0.39B

Volume

0.17M

Average Target Price

USD 34.00 (+32.24%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Bar Harbor Bankshares operates as the holding company for Bar Harbor Bank & Trust that provides commercial, retail, and wealth management banking services. It accepts various 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 real estate loans, such as multi-family, commercial construction and land development, and other commercial real estate classes; commercial and industrial loans, including loans to commercial and agricultural businesses, and tax exempt entities; residential real estate loans consists of mortgages for 1-4 family housing; and consumer loans comprises home equity loans, lines of credit, auto, and other installment lending. In addition, it provides life insurance, annuity, and retirement products, as well as 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 401K plan, financial, estate and charitable planning, investment management, family office, municipal, and tax services. It operates approximately 53 locations across Maine, New Hampshire, and Vermont. The company was founded in 1887 and is based in Bar Harbor, Maine.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-06-20 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HDB HDFC Bank Limited

N/A

USD136.88B 189.61 N/A
USB-PH U.S. Bancorp

N/A

USD102.88B 6.60 N/A
USB-PP U.S. Bancorp

N/A

USD89.22B 7.51 N/A
USB U.S. Bancorp

N/A

USD85.53B 14.45 N/A
USB-PO U.S. Bancorp

N/A

USD81.31B 8.27 N/A
USB-PM U.S. Bancorp

N/A

USD79.19B 6.93 N/A
PNC The PNC Financial Services Gro..

N/A

USD75.76B 9.32 N/A
BSBR Banco Santander (Brasil) S.A

N/A

USD65.19B 12.09 N/A
ITUB Itaú Unibanco Holding S.A

N/A

USD62.26B 14.77 N/A
PNC-PQ The PNC Financial Services Gro..

N/A

USD58.78B 2.14 N/A

ETFs Containing BHB

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 13.81% 58% F 65% D
Dividend Return 2.04% 51% F 62% D-
Total Return 15.85% 61% D- 67% D+
Trailing 12 Months  
Capital Gain 21.68% 42% F 40% F
Dividend Return 4.26% 38% F 60% D-
Total Return 25.93% 39% F 39% F
Trailing 5 Years  
Capital Gain N/A N/A N/A N/A N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return N/A N/A N/A N/A N/A
Average Annual (5 Year Horizon)  
Capital Gain 7.31% 84% B 61% D-
Dividend Return 1.97% 32% F 46% F
Total Return 9.27% 81% B- 60% D-
Risk Return Profile  
Volatility (Standard Deviation) 28.15% 52% F 38% F
Risk Adjusted Return 32.94% 68% D+ 44% F
Market Capitalization 0.39B 4% F 34% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 11.13 60% D- 74% C
Price/Book Ratio 1.11 68% D+ 72% C-
Price / Cash Flow Ratio 10.09 46% F 44% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 8.65% 28% F 54% F
Return on Invested Capital -1.01% 22% F 24% F
Return on Assets 0.95% 36% F 31% F
Debt to Equity Ratio 81.69% 30% F 45% F
Technical Ratios  
Short Ratio 8.93 3% F 5% F
Short Percent 1.43% 57% F 71% C-
Beta 0.96 84% B 60% D-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

Superior Revenue Growth

This stock has shown top quartile revenue growth in the previous 5 years compared to its sector.

High Gross Profit to Asset Ratio

This stock is in the top quartile compared to its peers on Gross Profit to Asset Ratio. This is a popular measure among value investors for showing superior returns in the long run.

What to not like:
Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.