Bar Harbor Bankshares
Bar Harbor Bankshares Fundamental Analysis
Bar Harbor Bankshares (BHB) shows moderate financial fundamentals with a PE ratio of 14.65, profit margin of 16.58%, and ROE of 7.81%. The company generates $0.2B in annual revenue with moderate year-over-year growth of 8.42%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 48.1/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze BHB's fundamental strength across five key dimensions:
Efficiency Score
WeakBHB struggles to generate sufficient returns from assets.
Valuation Score
ExcellentBHB trades at attractive valuation levels.
Growth Score
ModerateBHB shows steady but slowing expansion.
Financial Health Score
ModerateBHB shows balanced financial health with some risks.
Profitability Score
ModerateBHB maintains healthy but balanced margins.
Key Financial Metrics
Is BHB Expensive or Cheap?
P/E Ratio
BHB trades at 14.65 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, BHB's PEG of -1.05 indicates potential undervaluation.
Price to Book
The market values Bar Harbor Bankshares at 1.10 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 8.87 times EBITDA. This is generally considered low.
How Well Does BHB Make Money?
Net Profit Margin
For every $100 in sales, Bar Harbor Bankshares keeps $16.58 as profit after all expenses.
Operating Margin
Core operations generate 16.64 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $7.81 in profit for every $100 of shareholder equity.
ROA
Bar Harbor Bankshares generates $0.86 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Bar Harbor Bankshares produces operating cash flow of $48.32M, showing steady but balanced cash generation.
Free Cash Flow
Bar Harbor Bankshares generates strong free cash flow of $38.60M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $2.31 in free cash annually.
FCF Yield
BHB converts 6.54% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
14.65
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-1.05
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.10
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.43
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.40
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.08
vs 25 benchmark
ROA
Return on assets percentage
0.009
vs 25 benchmark
ROCE
Return on capital employed
0.009
vs 25 benchmark
How BHB Stacks Against Its Sector Peers
| Metric | BHB Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 14.65 | 19.03 | Better (Cheaper) |
| ROE | 7.81% | 818.00% | Weak |
| Net Margin | 16.58% | 1571.00% | Weak |
| Debt/Equity | 0.40 | 0.98 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 669.04 | Weak Liquidity |
| ROA | 0.86% | -21643.00% (disorted) | Weak |
BHB outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Bar Harbor Bankshares's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
31.43%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
1.41%
Industry Style: Value, Dividend, Cyclical
GrowingFCF CAGR
15.48%
Industry Style: Value, Dividend, Cyclical
High Growth