Stocks · Financial Services · Banks - Regional
Bar Harbor Bankshares BHB
$39.45 +1.49% Close, Oct 2, 2026 · AMEX · Market cap $660.5M
Strong trend
Next earnings report: Oct 20, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Net debt is 4.1× EBITDA, a high level of leverage.
- The shares trade at 13.3× trailing earnings, higher than 86% of the company's own readings over the past five years.
- The diluted share count rose 9.3% in a year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 34%
- EPS growth (TTM, YoY)Bottom 44%
- FCF growth (TTM, YoY)Top 43%
- Revenue growth, 3-year CAGRTop 50%
- Revenue growth accelerationBottom 25%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 14%
- Gross marginTop 49%
- Operating marginTop 48%
- Cash conversion (OCF / net income)Top 40%
- Accruals (lower is better)Top 49%
- Net debt / EBITDA (lower is better)Bottom 30%
- Interest coverBottom 38%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 42%
- Free-cash-flow yieldTop 44%
- EBITDA / enterprise valueBottom 49%
- Sales / enterprise valueBottom 37%
- P/E vs own 5-year history (lower is better)Bottom 19%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 23%
- 6-month returnTop 21%
- 1-year return vs S&P 500Top 21%
- Distance from 52-week highTop 19%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 46%
- Consecutive EPS beatsTop 29%
- Upside to consensus price targetTop 45%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 32%
- Maximum drawdown, 3 yearsTop 49%
- Beta vs S&P 500 (lower is better)Top 48%
- Net debt / EBITDA (lower is better)Bottom 30%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 7.4% | 2.4% | ↓ |
| EPS growth (YoY) | -14.0% | 14.7% | ↑ |
| Gross margin | 66.3% | 65.3% | ↓ |
| Operating margin | 21.2% | 22.8% | ↑ |
| FCF margin | 20.6% | 25.4% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 2.4% | 7.4% | ↓ | Bottom 34% |
| EPS growth (TTM, YoY) | 14.7% | -14.0% | ↑ | Bottom 44% |
| Gross margin | 65.3% | 66.3% | ↓ | Top 49% |
| Operating margin | 22.8% | 21.2% | ↑ | Top 48% |
| Net margin | 21.6% | 17.7% | ↑ | — |
| Free-cash-flow margin | 25.4% | 20.6% | ↑ | — |
| Return on invested capital | -1.4% | — | Bottom 14% | |
| Revenue growth, 3-year CAGR | 14.7% | — | Top 50% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.30×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.3%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.7%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 4.06×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.31%
- Net buyback yield (TTM)
- -1.57%
- Shareholder yield
- 1.74%
- Share count change, 1 year
- +9.3%
- Share count change, 3-year CAGR
- +3.5%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 5, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 4
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +5.4%
- Average 2-day reaction, last 8
- +0.4%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $46.00
- Target vs current price
- +16.6%
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 21, 2026 | +2.2% | +0.2% | +3.6% | +6.3% | — |
| Apr 21, 2026 | +0.6% | -1.6% | -0.4% | -0.9% | +13.2% |
| Jan 22, 2026 | +4.5% | +1.0% | -3.8% | +1.5% | +1.9% |
| Oct 21, 2025 | +14.5% | +0.3% | +1.7% | -0.5% | +11.8% |
| Jul 22, 2025 | +0.0% | +0.2% | -1.9% | -2.2% | -4.8% |
| Apr 17, 2025 | +0.7% | +1.6% | +4.1% | +9.3% | +8.0% |
| Jan 24, 2025 | +5.9% | +0.0% | +3.4% | +3.9% | -9.8% |
| Oct 22, 2024 | +17.6% | +1.6% | +10.2% | +16.1% | +3.7% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 21, 2026 | $0.92 | $0.90 | +2.2% | $49.7M |
| Apr 21, 2026 | $0.88 | $0.88 | +0.6% | $47.3M |
| Jan 22, 2026 | $0.93 | $0.89 | +4.5% | $49.4M |
| Oct 21, 2025 | $0.95 | $0.83 | +14.5% | $47.5M |
| Jul 22, 2025 | $0.70 | $0.70 | +0.0% | $34.5M |
| Apr 17, 2025 | $0.68 | $0.68 | +0.7% | $37.3M |
| Jan 24, 2025 | $0.72 | $0.68 | +5.9% | $38.5M |
| Oct 22, 2024 | $0.80 | $0.68 | +17.6% | $38.6M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 13.3× | 10.9× | 86th | Top 42% |
| P/E (forward) | 10.9× | — | — | — |
| EV / EBITDA | 15.5× | — | — | Bottom 49% |
| EV / Sales | 3.92× | — | — | Bottom 37% |
| Free-cash-flow yield | 8.77% | — | — | Top 44% |
| Earnings yield | 7.50% | — | — | Top 42% |
P/E over the past five years
Range 7.4× – 14.2× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +29.3%
- Earnings per share growth (TTM)
- +14.7%
- Change in P/E multiple
- +18.2%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 137
- 50-day average slope (20 days)
- +2.0%
- 200-day average slope (20 days)
- +2.6%
- Distance from 50-day average
- -0.9%
- Distance from 200-day average
- +10.5%
- RSI (14)
- 48.4
- Relative volume
- 0.92×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 17.5%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.68
- Correlation with S&P 500
- 0.40
- Current drawdown from 1-year high
- -3.6%
- Maximum drawdown, 3 years
- -28.4%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Dec 16, 2022 | May 4, 2023 | -33.9% | 94 days | 346 days (Sep 19, 2024) |
| Nov 6, 2024 | Apr 10, 2025 | -28.4% | 105 days | 303 days (Jun 26, 2026) |
| Nov 11, 2021 | Jun 16, 2022 | -25.2% | 149 days | 127 days (Dec 16, 2022) |
| Mar 8, 2021 | Sep 14, 2021 | -20.6% | 132 days | 42 days (Nov 11, 2021) |
| Dec 17, 2020 | Jan 29, 2021 | -13.2% | 28 days | 11 days (Feb 16, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $660.5M
- P/E (TTM)
- 13.3
- EPS, diluted (TTM)
- $2.96
- Revenue (TTM)
- $228.5M
- Dividend yield
- 3.35%
- 52-week range
- $28.11 – $41.12
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $153.1M | $161.2M | $150.4M | $224.4M | $243.3M |
| Gross profit | $139.0M | $143.7M | $150.4M | $149.4M | $164.0M |
| Operating income | $48.6M | $54.8M | $74.7M | $52.6M | $46.4M |
| Net income | $39.3M | $43.6M | $44.9M | $43.5M | $36.9M |
| EPS (diluted) | $2.61 | $2.88 | $2.95 | $2.84 | $2.30 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $58.2M | $55.7M | $55.8M | $53.3M | $66.5M | $67.7M | $55.3M | $39.0M |
| Net income | $12.2M | $11.0M | $10.2M | $6.1M | $8.9M | $11.8M | $13.5M | $15.2M |
| EPS (diluted) | $0.80 | $0.72 | $0.66 | $0.40 | $0.54 | $0.70 | $0.81 | $0.91 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $59.2M | $55.9M | $47.4M | $52.4M | $48.3M |
| Capital expenditure | -$1.7M | -$2.5M | -$6.5M | -$7.4M | -$4.8M |
| Free cash flow | $57.5M | $53.4M | $40.9M | $45.0M | $43.5M |
| Dividends paid | -$14.1M | -$15.3M | -$16.6M | -$17.8M | -$20.4M |
| Net share buybacks | -$615,000 | -$215,000 | -$805,000 | -$1.0M | -$827,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $648.0M
- Total assets
- $4.74B
- Total liabilities
- $4.19B
- Total debt
- $281.2M
- Net debt
- $234.9M
- Shareholders’ equity
- $549.6M
As of Jun 30, 2026 (filed Aug 5, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 20, 2026 | $0.34 | Sep 18, 2026 |
| May 21, 2026 | $0.34 | Jun 18, 2026 |
| Feb 20, 2026 | $0.32 | Mar 20, 2026 |
| Nov 20, 2025 | $0.32 | Dec 19, 2025 |
| Aug 14, 2025 | $0.32 | Sep 12, 2025 |
| May 15, 2025 | $0.32 | Jun 13, 2025 |
| Feb 20, 2025 | $0.30 | Mar 20, 2025 |
| Nov 14, 2024 | $0.30 | Dec 13, 2024 |
Short interest
- Shares sold short
- 601,724
- Days to cover
- 9.01
- Change vs previous report
- -3.0%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Mar 22, 2017
- 3-for-2
- May 20, 2014
- 3-for-2
- Jan 26, 1999
- 2-for-1
- Aug 8, 1995
- 5-for-1