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BAR HARBOR BANKSHARES BHB

NYSE · stock · State Commercial Banks · website · IPO 1995-05-12

BAR HARBOR BANKSHARES statistics & valuation

Market cap$642.1M
P / E17.4×
P / B1.2×
P / FCF14.8×
Dividend yield3.18%
Return on equity6.9%
Net debt$54.0M
Enterprise value USD$696.1M
Graham number +4.5%$40.71

Market cap as of 2026-06-30. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($40.71); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
9.50% 7.30% 8.90% 5.70% 8.20% 9.30% 11.10% 10.40% 9.50% 6.90% 2016201720182019202020212022202320242025
Shares outstanding
13.7M 15.3M 15.6M 15.6M 15.3M 15.0M 15.1M 15.2M 15.3M 16.7M 2016201720182019202020212022202320242025
Net debt ($)
$133.7M $89.5M -$22.9M $126.3M $16.6M -$166.7M -$29.4M -$34.1M -$31.3M $54.0M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.90% 0.70% 0.90% 0.60% 0.90% 1.10% 1.10% 1.10% 1.10% 0.80% 2016201720182019202020212022202320242025
Free cash flow margin (%)
153.00% 94.10% 56.30% 202.40% 181.80% 2016201720182019202020212022202320242025
Debt / equity (×)
0.91× 0.51× 0.20× 0.46× 0.60× 0.20× 0.16× 0.14× 0.09× 0.25× 2016201720182019202020212022202320242025
EPS ($)
$1.09 $1.70 $2.12 $1.45 $2.18 $2.61 $2.88 $2.95 $2.84 $2.31 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

BAR HARBOR BANKSHARES trades at about 16.9× earnings — above its 10-year norm (10-year range 8.9×–26.6×, median 11.7×).

8.9× 26.6×

Shaded band = 10-year range (8.9×–26.6×); dot = today's 16.9×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin———148.3%138.4%134.6%101.9%153.0%——
FCF margin———181.8%202.4%56.3%94.1%153.0%——
Return on assets0.8%1.1%1.1%1.1%1.1%0.9%0.6%0.9%0.7%0.9%
Return on equity6.9%9.5%10.4%11.1%9.3%8.2%5.7%8.9%7.3%9.5%
Debt / equity0.25×0.09×0.14×0.16×0.20×0.60×0.46×0.20×0.51×0.91×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.