# Bar Harbor Bankshares Inc. (BHB) fundamentals

Data as of 2026-09-08. AMEX, United States. Sector: Financial Services / Banks. Price $40.39, market value $677 million.

## Valuation
- **P/E (trailing): 13.6×** (5-yr avg 10.2×, 3-yr avg 10.8×). Bar Harbor Bankshares Inc. trades at 13.6× trailing earnings, well above its own five-year average of 10.2×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.7×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 23.1×**. Each dollar of revenue is priced at 23.1×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.2×**. The shares trade at 1.2× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 8.4%** (5-yr avg 11.6%). Free cash flow equals 8.4% of the market value, below its five-year average of 11.6%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 7.3%**. The inverse of the P/E: 7.3% of the price is earned each year.

## Profitability
- **Return on equity: 6.9%**. 6.9% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 0.9%**. Each dollar of assets produces 0.9% of profit; low single digits are normal for banks and insurers.

## Growth
- **EPS growth (1 yr): -18.7%** (3-yr -7.1%/yr, 5-yr 1.2%/yr). Earnings per share fell 18.7%.
- **Free-cash-flow growth (3 yr): -6.6%/yr**. Free cash flow has compounded at -6.6% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 3/9**. 3 of 9 checks pass: weak or deteriorating financials.
- **Cash and short-term investments: $81 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 3.27%** ($1.30 per share, trailing). Bar Harbor Bankshares Inc. yields 3.27%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 55%** (38% of free cash flow). 55% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 26**. 26 straight years of increases (the data covers 26 years, so this may be longer): a record very few companies hold.
- **Dividend growth (5 yr): 7.4%/yr** (1-yr 6.8%). The dividend has grown 7.4% a year over five years.

## Price and momentum
- **Total return (1 yr): 28.3%** (YTD 32.6%, 3-mo 12.4%). The shares are up 28.3% over twelve months including dividends.
- **From 52-week high: -1.7%** (43.7% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 60**. An RSI of 60 is neutral.
- **Beta (1 yr): 0.50** (volatility 26%). Beta of 0.50 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=BHB · Page: https://foliofundamentals.com/stocks/bhb

Not investment advice.