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1. Company Snapshot

1.a. Company Description

Bar Harbor Bankshares operates as the holding company for Bar Harbor Bank & Trust that provides commercial, lending, 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 53 locations across Maine, New Hampshire, and Vermont.


The company was founded in 1887 and is based in Bar Harbor, Maine.

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1.b. Last Insights on BHB

Negative drivers behind Bar Harbor Bankshares' recent performance include concerns over the options market, which may be signaling a potential spike in volatility. Despite beating Q4 earnings and revenue estimates, the company's net interest margin of 3.17% may be a concern, as it could indicate pressure on profitability. Additionally, the non-accruing loans to total loans ratio of 0.22% may raise concerns about asset quality.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Bar Harbor Bankshares: The Picture Is Good Enough For An Upgrade

Nov -24

Source: seekingalpha.com

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Bar Harbor Bankshares (NYSEAMERICAN:BHB) Stock Price Passes Below Two Hundred Day Moving Average – Here’s What Happened

Nov -22

Source: defenseworld.net

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Is the Options Market Predicting a Spike in Bar Harbor Bankshares Stock?

Nov -04

Source: zacks.com

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SouthState Bank (NYSE:SSB) versus Bar Harbor Bankshares (NYSE:BHB) Critical Survey

Nov -04

Source: defenseworld.net

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Financial Comparison: Bar Harbor Bankshares (NYSE:BHB) & SouthState Bank (NYSE:SSB)

Oct -30

Source: defenseworld.net

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Bar Harbor Bankshares (BHB) Surpasses Q3 Earnings and Revenue Estimates

Oct -21

Source: zacks.com

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Bar Harbor Bankshares Reports Third Quarter 2025 Results; Declares Dividend

Oct -21

Source: accessnewswire.com

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5 Dividend Compounders I'm Buying For Passive Income

Oct -18

Source: seekingalpha.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.55%)

6. Segments

Banking and Related Activities

Expected Growth: 4.55%

Bar Harbor Bankshares' 4.55% growth in Banking and Related Activities is driven by strategic expansion into new markets, increased commercial lending, and a focus on digital banking platforms. Additionally, the bank's commitment to customer service and community development has led to increased deposits and loan growth, further contributing to its growth momentum.

7. Detailed Products

Personal Checking

A range of personal checking accounts designed to meet individual needs, offering features such as online banking, mobile banking, and bill pay.

Business Checking

Checking accounts tailored to meet the unique needs of businesses, offering features such as online banking, mobile banking, and cash management services.

Mortgage Loans

A variety of mortgage loan options, including fixed-rate and adjustable-rate loans, for purchasing or refinancing a home.

Home Equity Loans

Loans that allow homeowners to tap into the equity in their home, providing access to funds for various purposes.

Commercial Loans

Loans designed to meet the financing needs of businesses, including term loans, lines of credit, and construction loans.

Investment Services

A range of investment products and services, including brokerage, retirement, and insurance services.

Online Banking

A secure online platform that allows customers to manage their accounts, pay bills, and transfer funds from anywhere.

Mobile Banking

A mobile app that allows customers to manage their accounts, deposit checks, and transfer funds on-the-go.

8. Bar Harbor Bankshares's Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for Bar Harbor Bankshares is moderate, as customers have alternative banking options available to them.

Bargaining Power Of Customers

The bargaining power of customers is low, as Bar Harbor Bankshares has a strong customer base and provides personalized services.

Bargaining Power Of Suppliers

The bargaining power of suppliers is moderate, as Bar Harbor Bankshares relies on a few key suppliers for its operations.

Threat Of New Entrants

The threat of new entrants is low, as Bar Harbor Bankshares operates in a highly regulated industry with significant barriers to entry.

Intensity Of Rivalry

The intensity of rivalry is high, as Bar Harbor Bankshares operates in a competitive banking industry with many established players.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 43.51%
Debt Cost 6.88%
Equity Weight 56.49%
Equity Cost 7.66%
WACC 7.32%
Leverage 77.03%

11. Quality Control: Bar Harbor Bankshares passed 3 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Stock-Card
Bar Harbor Bank

A-Score: 6.3/10

Value: 5.5

Growth: 5.9

Quality: 6.4

Yield: 8.0

Momentum: 5.0

Volatility: 7.0

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Farmers National Banc

A-Score: 6.2/10

Value: 7.0

Growth: 5.6

Quality: 5.4

Yield: 8.0

Momentum: 4.0

Volatility: 7.3

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Stellar Bancorp

A-Score: 6.2/10

Value: 6.0

Growth: 4.9

Quality: 7.5

Yield: 4.0

Momentum: 7.0

Volatility: 7.7

1-Year Total Return ->

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Independent Bank

A-Score: 6.0/10

Value: 4.5

Growth: 4.9

Quality: 6.8

Yield: 6.0

Momentum: 7.0

Volatility: 6.7

1-Year Total Return ->

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WesBanco

A-Score: 5.8/10

Value: 5.1

Growth: 4.0

Quality: 4.2

Yield: 8.0

Momentum: 6.0

Volatility: 7.3

1-Year Total Return ->

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California Bank

A-Score: 4.8/10

Value: 5.8

Growth: 8.4

Quality: 6.3

Yield: 0.0

Momentum: 5.0

Volatility: 3.3

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

31.1$

Current Price

31.1$

Potential

-0.00%

Expected Cash-Flows