Bar Harbor Bankshares Inc. Common Stock (BHB)

FairStock Score: 58/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At the close on 2026-10-13, Bar Harbor Bankshares traded at $38.18. FairStock's calculations put it at 12.9 times earnings and 1.16 times book, with a 3.46% dividend yield and a 0.62 beta. FairStock's calculated return on equity is 9.70%, decent for a small bank but not wonderful; I prefer banks earning well above 12% on equity if I pay above book. The moat is limited. Local deposits and customer relationships can be sticky, but regional banks are price-takers on loans and deposits, and I see no evidence of a durable cost or scale advantage. The long-term record is the problem: FairStock labels it a slow grower, with profit compounding only 2.1% a year over five years. Filed results show net income of $44.9M in fiscal year 2023, ended 2023-12-31, $43.5M in fiscal year 2024, ended 2024-12-31, and $36.9M in fiscal year 2025, ended 2025-12-31, so earnings fell. Recent quarters are better: in fiscal Q2 2026, the quarter ended 2026-06-30, net income was $15.2M and diluted EPS was $0.91, versus $6.1M and $0.40 in fiscal Q2 2025, the quarter ended 2025-06-30. Fiscal Q1 2026, the quarter ended 2026-03-31, had net income of $13.5M and diluted EPS of $0.81. If that rebound is durable, the stock is reasonably priced. But I cannot see CET1, net interest margin, nonperforming loans, reserves, or charge-offs in this data, and D/E is N/A. For a bank, credit quality is everything. The price looks fair, not a steal, unless the recent profit improvement persists and credit stays clean.

In plain English: Bar Harbor Bankshares is the holding company for Bar Harbor Bank & Trust, a regional bank serving consumers and businesses. The bank is profitable, and its latest quarter was much better than a year earlier, but profit over the past few years has been uneven. At $38.18 on 2026-10-13, the price looks fair rather than clearly cheap compared with its earnings, net assets, and dividend.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer